Mexico Beach Insurance | Home, Flood & Golf Cart Coverage
Mexico Beach
Insurance, Rebuilt Right.
From the canal to Beacon Hill,
we insure the coast we call home.
Home, flood, vacation rental, golf cart and boat insurance for Mexico Beach, from a local, independent agency just down US-98 in Port St. Joe. We compare 20+ carriers to find the right fit for your home and your budget.
Since 2013
Carriers Compared
From Our PSJ Office
Who Answer the Phone
Coastal Know-How. Hometown Service.
We Know Post-Michael Homes
New construction built to current Florida code can qualify for wind-mitigation credits. We help make sure your inspection and discounts show up on your policy.
We Shop 20+ Carriers
Gulf-front and near-water homes are hard to place. As an independent agency we compare private carriers and Citizens side by side, then explain the difference.
Wind & Flood, Explained
Wind, hurricane deductibles and flood are three different conversations. We walk through each one before you sign, not after a storm.
A Real Office Nearby
Our Port St. Joe office is just down US-98, with local agents who know Mexico Beach street by street.
Coverage Built for a Town That Came Back Stronger
Hurricane Michael made landfall at Mexico Beach as a Category 5 storm in October 2018, and the town has spent the years since rebuilding, much of it with elevated, modern construction. That rebuild changes how your home is rated. Roof shape, opening protection, elevation and your flood zone all affect what you pay, and many newer homes qualify for credits that never get applied unless someone asks.
We help you look at the whole picture: wind and hurricane deductibles, flood coverage through the NFIP or a private flood carrier, and the right policy type for how you use the home. A full-time residence, a second home and a weekly rental each need something different.
Mexico Beach life also means golf carts around town, a boat at the canal and maybe a rental that helps pay for the beach house. We bundle it so nothing slips through the cracks and you have one local agent to call.
Your Mexico Beach 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 Mexico Beach: Shannon handles home, auto and rental coverage by phone, email or at our office, and Sheena visits commercial clients on site. Heads up: our office keeps Eastern time, one hour ahead of Mexico Beach.
Your Agents Are Just Down US-98
Mexico Beach sits just over the Gulf County line, and our Port St. Joe office is right around the corner on US-98. 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 Beach Town Living
Personal and business insurance for Mexico Beach, Beacon Hill and St. Joe Beach, all from one local, independent agency.
Home Insurance
Coverage for rebuilt and elevated homes, with wind-mitigation credits applied and hurricane deductibles that fit your budget.
Learn more →Flood Insurance
NFIP and private flood options for Gulf-front, canal and inland lots. A standard homeowners policy never covers flood.
Learn more →Vacation Rental Homes
Dwelling and landlord policies for homes you rent to visitors, with liability coverage for short-term guests.
Learn more →Condo Insurance
Walls-in coverage, belongings and loss assessments for what your association’s master policy leaves out.
Learn more →Golf Carts & LSVs
Street-legal golf carts and low-speed vehicles, the way most of Mexico Beach gets around.
Learn more →Boat Insurance
Center consoles, bay boats and pontoons launched from the canal or trailered to St. Joe Bay.
Learn more →Vacant & Seasonal Homes
Coverage for homes that sit empty between seasons or while a rebuild wraps up.
Learn more →Business Insurance
Property, liability and workers’ comp for restaurants, rental managers, shops and contractors.
Learn more →Ready to Compare Your Options?
Tell us what you need and a local agent will follow up within one business day.
Mexico Beach & Nearby
Mexico Beach
Gulf-front homes, canal lots and rebuilt neighborhoods across town.
Beacon Hill
Homes and rentals on the Gulf County side, just east of Mexico Beach.
Tyndall Area
Military families who live in Mexico Beach and commute to Tyndall AFB.
St. Joe Beach
Beach homes and full-time residences along US-98.
Overstreet & Highland View
Inland Gulf County homes a short drive from the beach.
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!
Mexico Beach Insurance FAQsQuestions We Hear From Mexico Beach+
Do you have an office near Mexico Beach?
Is it hard to get home insurance in Mexico Beach?
Do I need flood insurance in Mexico Beach?
Can a newer, rebuilt home get a discount?
Can you insure my golf cart?
Can you insure a Mexico Beach vacation rental?
Daffin Insurance Services proudly serves Bay and Gulf Counties, including Mexico Beach, Beacon Hill and St. Joe Beach, 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