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Tyndall AFB Insurance | Renters, Auto, Home & Life for Military Families

Tyndall AFB · Callaway · Parker · Mexico Beach

Tyndall AFB Insurance
For the Families Who Serve.

To every family that serves at Tyndall,
welcome home to Bay County.

PCSing to Tyndall? Renters, auto, home, flood and life insurance for Airmen, families and civilians at the home of the 325th Fighter Wing. Local agents in Panama City who compare 20+ carriers and answer the phone.

✈Military Families
Welcome Here
◎20+ Top-Rated
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➜Just Across
The Dupont Bridge
★Quotes in One
Business Day
Your PCS Insurance Checklist

Four Things to Handle Before You Sign In.

⌂

Renters or Homeowners

Living off base? Get renters or homeowners coverage in place before move-in day. Ask how your belongings are covered in transit and in storage during the move.

➜

Update Your Auto Policy

You can keep your home-state plates as active duty, but tell your carrier you are now garaged in Bay County. If you register in Florida, you need at least $10,000 PIP and $10,000 property damage liability.

≈

Check Your Flood Zone

Much of the area around the base sits near the water. Homeowners and renters policies never cover flood, so check the zone before you buy or rent.

♡

Look at Life Coverage

SGLI covers up to $500,000 while you serve. Many families add private term life for a spouse, or to keep coverage in place after separation.

Insurance for Tyndall Families

Coverage Built for a Base on the Gulf

Tyndall Air Force Base sits on a peninsula along US-98 between Panama City and Mexico Beach. After Hurricane Michael badly damaged the base in 2018, it has been rebuilt as a multi-billion-dollar “Installation of the Future” and is becoming home to three F-35A Lightning II squadrons with the 325th Fighter Wing. That means a lot of new families arriving in Bay County, many of them living in Florida for the first time.

Florida insurance works differently than most states. Hurricane deductibles, wind and flood coverage, and no-fault auto rules surprise a lot of newcomers. We explain it in plain English, compare 20+ carriers, and get you covered quickly so one less thing is on your PCS list.

Whether you are renting in Callaway, buying in Lynn Haven with a VA loan, or renting out your Parker house when orders take you somewhere else, our Panama City team can help with renters, auto, home, flood, landlord and life insurance.

Your Tyndall Area Agents

  • Office: 755 Harrison Avenue, Panama City, FL 32401
  • Phone: (850) 769-8183
  • Hours: Mon–Thurs 8:30a–5:00p · Fri 8:30a–4:00p CT
  • In Tyndall AFB: Eve and Alexis help Tyndall families with renters, auto, home and life insurance, by phone, email or in person.
✎Prefer to start online? Request your free quote and an agent will follow up within one business day.
Serving Tyndall From Panama City

Just Across the Dupont Bridge

Our Panama City office on Harrison Avenue is just across the Dupont Bridge from Tyndall. Families living in Mexico Beach can also work with our Port St. Joe office. Most families 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
Directions to Our Panama City Office
Coverage for Military Families

Insurance for Every Stage of Your Tour

From your first lease in Callaway to renting out the house when you PCS, we cover Tyndall Airmen, families and civilian employees.

01

Renters Insurance

Belongings, liability and temporary living costs for off-base rentals, at a price that fits any rank.

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02

Auto Insurance

Out-of-state plates or Florida registration, with uninsured motorist coverage and bundling discounts.

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03

Home Insurance

Coverage that meets VA loan requirements, with hurricane deductibles explained before closing.

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04

Flood Insurance

NFIP and private flood for homes near the bay and the Gulf. Required in high-risk zones with a federally backed mortgage.

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05

Life Insurance

Private term and whole life to supplement SGLI, cover a spouse, or continue after separation.

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06

Landlord Insurance

PCSing out? Convert your home to a rental with the right landlord policy before your tenant moves in.

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07

Motorcycle Insurance

Coverage for the bike you ride to base and up the coast on weekends.

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08

Umbrella Liability

Extra liability on top of your home and auto for families with more to protect.

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Free, No-Pressure Quote

Ready to Compare Your Options?

Tell us what you need and a local agent will follow up within one business day.

Where Tyndall Families Live

Neighborhoods Near the Base

⌂

Callaway

Just across East Bay from the base, with plenty of rentals and starter homes.

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Parker

Bayside homes a few minutes from the main gate on US-98.

☀

Mexico Beach

Beach living about 20 minutes east. See Mexico Beach insurance.

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Lynn Haven

Popular with families for schools and newer neighborhoods.

✧

Springfield & Panama City

Historic and established homes near our downtown office.

✈

Panama City Beach

Beach condos and homes across the bay.

Google Reviews · 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!

Mary Katharine F.Panama City Office · Google Review
“

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!

Patrick L.Panama City Office · Google Review
“

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.

Samuel A.Panama City Office · Google Review
Tyndall Insurance FAQsQuestions We Hear From Military Families+
Do I have to register my car in Florida when I PCS to Tyndall?
Active duty service members can generally keep their home-state registration while stationed in Florida. If you choose Florida plates, you may qualify for a fee exemption. Either way, tell your insurance company you are now garaged in Bay County.
What auto insurance does Florida require?
Florida-registered vehicles must carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability. Because Florida has a high rate of uninsured drivers, we also recommend bodily injury and uninsured motorist coverage. See auto insurance
Do I need renters insurance in base housing or off base?
Many landlords require it, and it protects your belongings, liability and temporary living costs if your rental is damaged. Ask about coverage for items in storage or in transit during your move. See renters insurance
Will homeowners insurance meet my VA loan requirements?
VA loans require hazard insurance, and flood insurance if the home is in a high-risk flood zone. We will make sure your policy meets your lender’s requirements before closing. See home insurance
Is SGLI enough life insurance?
SGLI provides up to $500,000 while you serve, but it does not cover a spouse’s income and ends after separation unless converted. Many families add private term coverage. Our life insurance agents can help you compare. See life insurance
What happens to my insurance if I PCS and rent out my house?
Your homeowners policy usually needs to change to a landlord or dwelling policy once a tenant moves in. Call us before your tenant’s lease starts. See landlord insurance

Daffin Insurance Services proudly serves Bay County, including Tyndall Air Force Base, Callaway, Parker, Springfield, Lynn Haven and Mexico Beach, from our Panama City office.