Your Local Insurance Agency in
Port St. Joe, Florida.
Home, flood, auto, boat and business insurance from a real office on Cecil G. Costin Sr. Blvd. We compare 20+ carriers for families and business owners from Cape San Blas and Mexico Beach to St. George Island.
Since 2013
Carriers Compared
Business Day
Franklin County
Big-Agency Options.
Small-Town Service.
A Real Office in Town
Stop by 509 Cecil G. Costin Sr. Blvd and sit down with an agent. No call centers, no phone trees, just neighbors who know Port St. Joe.
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 fit for your address.
We Know Coastal Risk
Wind, storm surge, flood zones and older coastal construction all change your coverage. We explain it in plain English before you sign.
Here When You Need Us
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 Forgotten Coast
Life in Gulf County looks different from anywhere else in Florida. Mornings on St. Joe Bay, scallop season, beach houses on Cape San Blas and small businesses on Reid Avenue all need coverage that fits. Since Hurricane Michael came ashore near Mexico Beach in 2018, many homeowners here have learned the hard way that the cheapest policy is rarely the right one.
Our Port St. Joe team helps you look at the whole picture: wind and hurricane deductibles, flood coverage (which a standard homeowners policy never includes), replacement cost for coastal construction, and liability for boats, golf carts and rental properties. We also help you find savings, like Florida wind-mitigation credits, bundling home and auto, and comparing carriers every renewal.
Whether you live here year-round, own a second home on the peninsula, or run a business in town, we’ll build coverage around how you actually live on the coast.
Visit Our Port St. Joe Office
- Address: 509 Cecil G. Costin Sr. Blvd, Port St. Joe, FL 32456
- Phone: (850) 705-1005
- Hours: Mon–Fri 10:00a–5:00p · Sat & Sun closed
- Also serving: Cape San Blas, Indian Pass, St. Joe Beach, Mexico Beach, Wewahitchka, Apalachicola & St. George Island
From Cape San Blas to Mexico Beach,
we insure the coast we call home.
Insurance for Everything You’ve Built
Personal and business insurance for Gulf County and Franklin County. Choose a coverage to learn more.
Home Insurance
Full-time homes, beach houses and older coastal construction, with wind coverage that fits your budget. Learn more →
Flood Insurance
NFIP and private flood options for Port St. Joe, Cape San Blas and Mexico Beach properties. Learn more →
Condo Insurance
Cover what your association’s master policy leaves out, including interiors, belongings and loss assessments. Learn more →
Landlord & Rental Homes
Dwelling coverage for long-term rentals and second homes you rent to visitors. Learn more →
Boat Insurance
Protection for bay boats, pontoons and offshore fishing boats on St. Joe Bay and the Gulf. Learn more →
Auto Insurance
Compare car insurance from top carriers and bundle with your home for extra savings. Learn more →
Mobile Home Insurance
Manufactured and mobile home coverage built for Gulf Coast weather. Learn more →
Business Insurance
Property, liability, commercial auto and workers’ comp for Gulf County businesses. Learn more →
Gulf County & Franklin County
Port St. Joe & St. Joe Beach
Year-round homes, downtown businesses and bayfront properties right here in town.
Cape San Blas & Indian Pass
Beach homes and vacation rentals on the peninsula, where wind and flood coverage matter most.
Mexico Beach
Rebuilt and new coastal homes that need a smart mix of wind, flood and replacement cost coverage.
Wewahitchka
Homes, farms, trucks and small businesses across north Gulf County.
Apalachicola
Historic homes, working waterfront businesses and boats in Franklin County’s county seat.
St. George Island
Barrier-island homes and rentals that need careful attention to wind and flood coverage.
Eastpoint & Carrabelle
Homes, mobile homes and marine businesses along the Franklin County coast.
All of Florida
Moving or buying elsewhere in the state? We can still help from our Port St. Joe office.
What Our Gulf County
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!
Questions We Hear
Every Week
Where is your Port St. Joe office?
Do you insure homes on Cape San Blas and St. George Island?
Is flood insurance required in Port St. Joe?
How can I lower my home insurance premium?
Do you insure vacation rentals and second homes?
Do I have to come into the office?
Ready When You Are,
Port St. Joe.
Stop by, call, or request a quote online. We’ll compare your options and walk you through them, no pressure.
Daffin Insurance Services, Port St. Joe · 509 Cecil G. Costin Sr. Blvd, Port St. Joe, FL 32456 · (850) 705-1005. An independent insurance agency serving Port St. Joe, Cape San Blas, Indian Pass, St. Joe Beach, Mexico Beach, Wewahitchka, Apalachicola, St. George Island, Eastpoint, Carrabelle and all of Gulf County and Franklin County, Florida.
Talk With an Agent
Panama City Office
Friday: 8:30a-4p
Sat & Sun: Closed
Port St. Joe Office
Sat & Sun: Closed