Cape San Blas & Indian Pass Insurance | Home, Flood & Rental Coverage
Cape San Blas & Indian Pass
Insurance for Life on the Cape.
From the Stump Hole to Indian Pass,
we insure the coast we call home.
Beach house, vacation rental, flood, boat and golf cart insurance for the St. Joseph Peninsula. Our Port St. Joe office is minutes from the Cape, and we compare 20+ carriers for elevated Gulf-front and bayside homes.
Since 2013
Carriers Compared
From Our PSJ Office
Specialists
We Live Next Door to the Cape.
Rental Homes Are Our Specialty
Most homes on the Cape are rented at least part of the year. We match the policy to how you actually use the house, so you know what is covered for guests and storms.
We Shop 20+ Carriers
Peninsula homes in high-risk wind and flood zones are hard to place. As an independent agency we compare private carriers, surplus lines and Citizens side by side.
We Know Coastal Risk
Elevation, VE and AE flood zones, distance to the Gulf, pilings and breakaway walls all change your rate. We explain every line before you sign.
Right Around the Corner
Our Port St. Joe office is just across St. Joseph Bay, and for vacation rentals our team can stop by to update photos and property details for your policy.
Coverage Built for the St. Joseph Peninsula
Cape San Blas is one of the most beautiful and exposed stretches of coast in Florida. Homes sit on pilings between the Gulf and St. Joseph Bay, County Road 30E is the only road in and out, and erosion near the Stump Hole is a regular topic at the dinner table. Insuring a home here is different from insuring one in town, and it pays to have an agent who deals with it every week.
Many Cape homes are second homes and vacation rentals, which changes the policy you need. Depending on how often you rent, you may need a dwelling fire or landlord policy instead of a standard homeowners policy, plus liability coverage for guests and protection for the weeks the house sits empty.
We help you look at the whole picture: wind and hurricane deductibles, NFIP or private flood coverage, the golf cart and kayaks that live under the house, and the boat you launch on the bay or at Indian Pass. One local agent, everything bundled, no gaps.
Your Cape San Blas 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
- On the Cape: For Cape vacation rentals, our team can stop by to update photos and property details. Everything else is easy by phone, email or at our office.
Your Agents Are Just Across the Bay
The St. Joseph Peninsula curves around St. Joseph Bay, and our Port St. Joe office is right around the corner on the other side. Most owners 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 Beach House Living
Personal and business insurance for Cape San Blas, Indian Pass and the St. Joseph Peninsula, from one local, independent agency.
Vacation Rental Homes
Dwelling and landlord policies for homes rented to visitors, with liability for guests and loss-of-rents options.
Learn more →Flood Insurance
NFIP and private flood for VE and AE zone homes on pilings. Homeowners policies never cover flood.
Learn more →Home & Wind
Full-time and second homes, with hurricane deductibles and wind-mitigation credits explained.
Learn more →Vacant & Seasonal Homes
Protection for a house that sits empty for weeks between visits or during a renovation.
Learn more →Golf Carts & Side-by-Sides
Golf carts, LSVs and the beach toys that get you up and down 30E.
Learn more →Boat Insurance
Flats boats, bay boats and kayaks on St. Joseph Bay, Indian Pass and the Gulf.
Learn more →Umbrella Liability
Extra liability on top of your home, rental and auto, for pools, docks and guests.
Learn more →Rental & Small Business
Coverage for property managers, cleaners, outfitters and Cape businesses.
Learn more →Ready to Compare Your Options?
Tell us what you need and a local agent will follow up within one business day.
Across the Peninsula
Cape San Blas
Gulf-front and bayside homes, rentals and full-time residences along C-30E.
Indian Pass
Quiet beach homes and rentals near the pass to St. Vincent Island.
St. Joseph Peninsula
Homes near T.H. Stone Memorial St. Joseph Peninsula State Park.
Simmons Bayou
Bayside homes and acreage along C-30A.
St. Joe Beach
Neighboring beach homes and rentals to the north along US-98.
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!
Cape San Blas Insurance FAQsQuestions We Hear From Cape Owners+
Do you have an office near Cape San Blas?
Can you insure a vacation rental on Cape San Blas?
Do I need flood insurance on the Cape?
Why is insurance on the Cape more expensive than in town?
Will my policy cover the house while it sits empty?
Can you insure my golf cart and boat too?
Daffin Insurance Services proudly serves Gulf County, including Cape San Blas, Indian Pass, Simmons Bayou and the St. Joseph Peninsula, 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