Coverage Built for the Forgotten Coast

Franklin County is one of the most beautiful and least crowded stretches of Florida’s coast, and insuring property here takes local knowledge. Homes on St. George Island sit on a barrier island exposed to Gulf wind and storm surge. Historic homes in Apalachicola, working waterfront businesses in Eastpoint and Carrabelle, and bayfront properties at Alligator Point each come with their own coverage questions.

We help you look at the whole picture: wind and hurricane deductibles, flood coverage (which a standard homeowners policy never includes), replacement cost for elevated coastal construction, and the right policy type if you rent your home to visitors. We also look for savings, like Florida wind-mitigation credits, elevation certificates that can lower flood premiums, and comparing carriers every renewal.

Whether the island is your full-time home, your family’s beach house or an investment property, our Port St. Joe team will build coverage around how you use it, and meet you in Franklin County when it’s easier for you.