Auto-Owners Insurance in
Panama City & Port St. Joe
Auto-Owners is only available through a select group of independent agencies, and Daffin is one of the few on Florida's Gulf Coast appointed to offer it. Home, auto, business, and life coverage from a carrier that has been around since 1916.
Since 2013
Carriers Compared
Business Day
Bay & Gulf County
A Carrier You Can't
Get Just Anywhere
Select Agencies Only
You can't buy Auto-Owners online, over the phone, or from just any agent. It's offered only through independent agencies it chooses to appoint, and Daffin is one of them.
Over a Century Strong
Auto-Owners has been in business since 1916. That kind of track record matters when you need a carrier that will still be here after the next storm season.
Financial Strength
Auto-Owners consistently earns top marks from independent rating agencies for its ability to pay claims, which is the whole point of insurance.
One Carrier, Many Policies
Despite the name, Auto-Owners writes home, auto, business, and life coverage, so your whole household or company can live under one trusted roof.
Why Access to Auto-Owners Matters
Auto-Owners is selective about who represents it. Rather than selling direct or appointing every agency that asks, it partners with a limited number of independent agencies it trusts to serve its customers well. That means many Panhandle residents simply can't get an Auto-Owners quote from their current agent.
Daffin Insurance Services is one of the few agencies in Bay and Gulf County that can. Because we're independent, we can also compare Auto-Owners against our other top-rated carriers. If Auto-Owners is the best fit for your home, vehicles, or business, we'll write it. If something else serves you better, we'll tell you that too.
Why Clients Choose Auto-Owners Through Daffin
- Limited access: one of the few local agencies appointed to offer Auto-Owners
- Side-by-side comparison: Auto-Owners quoted against our other carriers, not in a vacuum
- Multi-policy savings: combine home, auto, and more for potential discounts
- Local service: offices in Panama City and Port St. Joe, not a 1-800 number
- Claims advocacy: we stay involved from the first call until your claim is resolved
Not every agency can offer Auto-Owners.
We're proud to be one that does.
More Than Just Auto
The name says auto, but the coverage goes much further. Here's what we can place with Auto-Owners for Bay and Gulf County clients.
Home Insurance
Homeowners, condo, and renters coverage from a financially strong carrier, which counts for a lot in today's Florida property market.
Auto Insurance
Cars, trucks, and SUVs for individuals and families, from teen drivers to multi-vehicle households.
Business Insurance
Commercial auto, general liability, and property coverage for local contractors, shops, and service businesses across the Panhandle.
Life & Umbrella
Life insurance to protect your family's future and umbrella coverage that adds an extra layer of liability above your home and auto.
What Our Neighbors
Are Saying
After Hurricane Michael I needed flood and wind coverage fast. Daffin walked me through every option with patience and zero pressure. They truly care about this community.
Daffin Insurance has been nothing short of amazing. They found us better home coverage at a lower rate than we had been paying for years. Local, honest, and genuinely helpful.
When our business needed commercial coverage quickly, Daffin came through same day. Real people, real answers. I would not trust anyone else with our Gulf County business insurance.
Getting the Most From Auto-Owners
Bundle Your Policies
Multi-policy discounts are often the single biggest savings available. Ask us to quote home and auto together.
Ask About Discounts
From paying in full to safety features, there may be savings you qualify for. We'll check every one that applies.
Right-Size Deductibles
A higher deductible can lower your premium. We'll help you choose an amount you could comfortably pay tomorrow.
Annual Check-In
New home, new driver, or a growing business? We review your coverage at renewal so it keeps up with your life.
Auto-Owners Insurance,
Asked and Answered
Can I buy Auto-Owners Insurance directly from the company?
Does Auto-Owners only sell car insurance?
Why can't my current agent offer Auto-Owners?
Is Auto-Owners always the best price?
What happens if I need to file a claim?
See What Auto-Owners
Can Do for You.
Tell us what you'd like to insure, and we'll price Auto-Owners alongside our other top-rated carriers, usually within one business day.
Daffin Insurance Services is an appointed Auto-Owners Insurance agency serving homeowners, drivers, and businesses in Panama City, Panama City Beach, Lynn Haven, Mexico Beach, Port St. Joe, Bay County, Gulf County, and communities across Florida's Gulf Coast.
Talk With an Agent
Panama City Office
Friday: 8:30a-4p CT
Sat & Sun: Closed
Port St. Joe Office
Fri-Sun: Closed