Apalachicola & Eastpoint Insurance | Historic Home, Flood & Business
Apalachicola & Eastpoint
Insurance With Local Roots.
From Water Street to Eastpoint,
we insure the coast we call home.
Historic home, flood, business, boat and auto insurance for Apalachicola, Eastpoint and Apalachicola Bay. Our Port St. Joe office is about 30 minutes west, and we compare 20+ carriers for older homes and working waterfronts.
Since 2013
Carriers Compared
From Our PSJ Office
Insured Right
Old Florida Homes. Modern Coverage.
Historic Home Know-How
Older homes in Apalachicola’s historic district need the right replacement-cost numbers, roof and wiring details, and a carrier that will write them. We know which ones do.
We Shop 20+ Carriers
Older and waterfront properties can be hard to place. As an independent agency we compare multiple carriers and Citizens, then explain the difference.
Working Waterfront Experience
Seafood businesses, restaurants, marinas and shops along the bay have unique risks. Our commercial team covers property, liability, commercial auto and workers’ comp.
Commercial Visits
Sheena visits restaurants, shops and marinas on site, and our team can stop by vacation rentals to update photos. For homes, everything is easy by phone, email or at our office.
Coverage Built for Franklin County’s Historic Heart
Apalachicola is the county seat of Franklin County and one of the most historic towns on the Gulf Coast, with homes and storefronts that go back more than a century. Insuring an older home here means getting the replacement cost right, documenting updates to the roof, wiring, plumbing and HVAC, and finding a carrier comfortable with the age of the house. Get those details wrong and you can end up underinsured or overpaying.
Across the bridge in Eastpoint, families and seafood businesses live right on Apalachicola Bay, where storm surge and flooding are a real part of the planning. We help you weigh wind and hurricane deductibles, NFIP and private flood options, and coverage for the boat, the truck and the business that keeps it all running.
Whether you own a historic home downtown, a rental on the bay or a restaurant on Water Street, one local, independent agent can bring it all together.
Your Apalachicola Agents
Shannon PurplePersonal Lines Agent · President, Forgotten Coast MarketMeet Shannon →
Sheena StrangeSenior VP of Operations · Lead Commercial AgentMeet Sheena →
- Office: 509 Cecil G. Costin Sr. Blvd, Ste B, Port St. Joe, FL 32456
- Phone: (850) 705-1005
- Hours: Mon–Thurs 10:00a–5:00p ET · Fri–Sun closed
- In Franklin County: Sheena visits commercial clients in Apalachicola and Eastpoint on site. For homes, we handle everything by phone, email or at our Port St. Joe office.
Just Up the Coast on US-98
Apalachicola sits where the Apalachicola River meets the bay, just up the coast from our Port St. Joe office, with Eastpoint across the John Gorrie Memorial Bridge. Most clients handle everything by phone or email, and you are always welcome to stop by.
- 20+ CarriersWe shop them for you
- 1 Business DayTypical quote turnaround
- Since 2013Local & independent
- Real PeopleWho answer the phone
Insurance for Historic & Bay Living
Personal and business insurance for Apalachicola, Eastpoint and Apalachicola Bay, all from one local, independent agency.
Historic & Older Homes
Accurate replacement cost, updated-systems credits and carriers that write older Apalachicola homes.
Learn more →Flood Insurance
NFIP and private flood for bayfront, river and downtown properties. Homeowners policies never cover flood.
Learn more →Restaurant Insurance
Property, liability, liquor and spoilage coverage for Apalachicola restaurants and bars.
Learn more →Business Insurance
Shops, galleries, seafood houses and contractors, with property, liability and workers’ comp.
Learn more →Boat Insurance
Bay boats, skiffs and work boats on Apalachicola Bay, St. George Sound and the river.
Learn more →Auto & Commercial Auto
Personal cars and trucks, plus work trucks and fleets for local businesses.
Learn more →Ready to Compare Your Options?
Tell us what you need and a local agent will follow up within one business day.
Around Apalachicola Bay
Apalachicola
Historic homes, downtown storefronts and restaurants in the county seat.
Eastpoint
Bayfront homes, mobile homes and seafood businesses across the bridge.
Carrabelle
Riverfront homes and marinas on the eastern end of the county.
What Our Forgotten Coast
Neighbors Are Saying
I didn’t even know insurance could be this easy until I worked with Sheena at Daffin Insurance in Port St. Joe. I never even had to leave the house. Everything was handled through email — smooth, quick, no hassle… Sheena took one look at my policies and basically said, “Oh we can fix this,” and proceeded to save me a TON of money on both my auto and home insurance.
Shannon and the ladies at Daffin Insurance are extremely helpful and helped us find the best policy while saving us money! Excellent customer service and great care is taken. Thank you for making the experience and transition easy!
Apalachicola Insurance FAQsQuestions We Hear Around the Bay+
Do you have an office near Apalachicola?
Can you insure an older historic home in Apalachicola?
Do I need flood insurance in Apalachicola or Eastpoint?
Can you insure my restaurant or seafood business?
Do you insure work boats?
Can you help with a rental home downtown or on the bay?
Daffin Insurance Services proudly serves Franklin County, including Apalachicola, Eastpoint and Apalachicola Bay, from our Port St. Joe office.
Talk With an Agent
Panama City Office
Friday: 8:30a-4p
Sat & Sun: Closed
Port St. Joe Office
Fri-Sun: Closed