Your Local Insurance Agency in
Panama City, Florida.
Home, flood, auto, boat, life and business insurance from our downtown office on Harrison Avenue. We compare 20+ carriers for Bay County families and business owners, from St. Andrews to Panama City Beach.
Since 2013
Carriers Compared
Business Day
All of Bay County
Big-Agency Options.
Hometown Service.
Downtown on Harrison Ave
Stop by 755 Harrison Avenue and sit down with a licensed agent. No call centers, no phone trees, just neighbors who know Panama City.
We Shop 20+ Carriers
As an independent agency, we don’t work for one insurance company. We compare options side by side and show you the best value for your home and family.
We Know Bay County Risk
Wind, flood zones, older homes and new construction all change your coverage. We explain it in plain English before you sign.
Here After the Storm
When a storm rolls through, you’ll call someone you know. We help you understand your policy and point you in the right direction on a claim.
Coverage Built for the Way Panama City Lives
Panama City has rebuilt, grown and changed a lot since Hurricane Michael in 2018. New neighborhoods in Lynn Haven and Southport, beach condos in Panama City Beach, historic homes in St. Andrews and small businesses downtown all need coverage that fits how you actually live. We help Bay County families sort through their options so they’re not paying for coverage they don’t need, or missing coverage they do.
Our Panama City team looks at the whole picture: wind and hurricane deductibles, flood coverage (which a standard homeowners policy never includes), replacement cost for your home, and liability protection for your boat, golf cart and rental properties. We also look for savings, like Florida wind-mitigation credits, bundling home and auto, and comparing carriers at every renewal.
Whether you just moved to the area, own a condo on the beach, or run a business in town, we’ll build a plan around your life on the Gulf Coast. Families planning for the future can also meet with Eve Fadden, “The Life Lady,” about life insurance.
Visit Our Panama City Office
- Address: 755 Harrison Avenue, Panama City, FL 32401
- Phone: (850) 769-8183
- Hours: Mon–Thurs 8:30a–5:00p · Fri 8:30a–4:00p · Sat & Sun closed
- Also serving: Panama City Beach, Lynn Haven, Callaway, Parker, Springfield, Southport, Youngstown & Mexico Beach
From St. Andrews Bay to Panama City Beach,
we insure the coast we call home.
Insurance for Everything You’ve Built
Personal and business insurance for Panama City and all of Bay County. Choose a coverage to learn more.
Home Insurance
Coverage for Bay County homes, from historic St. Andrews bungalows to new builds, with wind coverage that fits your budget. Learn more →
Auto Insurance
Compare car insurance from top carriers and bundle with your home for extra savings. Learn more →
Flood Insurance
NFIP and private flood options for Panama City, Lynn Haven and Panama City Beach properties. Learn more →
Condo Insurance
Cover what your association’s master policy leaves out, including interiors, belongings and loss assessments. Learn more →
Boat Insurance
Protection for bay boats, pontoons and offshore boats on St. Andrew Bay and the Gulf. Learn more →
Life Insurance
Term and whole life coverage to protect your family’s future, with honest local advice. Learn more →
Landlord & Rental Homes
Dwelling coverage for long-term rentals and vacation homes in Panama City Beach. Learn more →
Business Insurance
Property, liability, commercial auto and workers’ comp for Bay County businesses. Learn more →
All Across Bay County
Panama City & St. Andrews
Downtown homes, historic neighborhoods and local businesses near our Harrison Avenue office.
Panama City Beach
Beach condos, vacation rentals and full-time homes where wind and flood coverage matter most.
Lynn Haven
Growing neighborhoods and family homes on the north side of the bay.
Callaway & Parker
Homes, boats and waterfront properties along the east bay.
Springfield
Homeowners, renters and small businesses in the heart of Bay County.
Southport & Youngstown
Rural homes, acreage, farms and trucks across north Bay County.
Mexico Beach
Rebuilt and new coastal homes that need a smart mix of wind, flood and replacement cost coverage.
All of Florida
Buying a second home elsewhere in the state? We can still help from our Panama City office.
What Our Bay County
Neighbors Are Saying
Lindsey is an amazing agent. She found a policy that saved us about $1000 on homeowner’s insurance. She made the entire process quick and painless. Excellent communication with speedy responses. We appreciate you!
I was referred to Daffin Insurance by my realtor when I moved to Florida. Daffin has been nothing but helpful in educating me on the ins/outs of insurance in Florida. I have especially found Shannon Purple to be an excellent resource and advocate!
My experience with Sheena at Daffin Insurance was amazing. As a second year business owner she got me exactly what I needed for General Liability and Business Auto Insurance. She gave all the options for me to make the best decision.
Questions We Hear
Every Week
Where is your Panama City office?
Do you insure condos and homes in Panama City Beach?
Do I need flood insurance in Panama City?
How can I lower my home insurance premium in Bay County?
Can you insure my business in Panama City?
Do I have to come into the office?
Ready When You Are,
Panama City.
Stop by, call, or request a quote online. We’ll compare your options and walk you through them, no pressure.
Daffin Insurance Services, Panama City · 755 Harrison Avenue, Panama City, FL 32401 · (850) 769-8183. An independent insurance agency serving Panama City, St. Andrews, Panama City Beach, Lynn Haven, Callaway, Parker, Springfield, Southport, Youngstown, Mexico Beach and all of Bay County, Florida. Visit our Port St. Joe office for Gulf and Franklin County.
Talk With an Agent
Panama City Office
Friday: 8:30a-4p
Sat & Sun: Closed
Port St. Joe Office
Fri-Sun: Closed