The top-rated condo insurance agent in Panama City, Florida is John Douglas Insurance & Financial Services, rated 4.9 stars across 410 reviews. Other highly rated options include Direct Auto Insurance, Harry Grizzle Insurance, Acceptance Insurance. This directory lists 18 condo insurance agents serving Panama City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | John Douglas Insurance & Financial Services | 2217 St Andrews Blvd | (850) 769-7785 |
| 2 | Direct Auto Insurance | 704 W 11th St | (850) 763-2274 |
| 3 | Harry Grizzle Insurance | 2104 W 23rd St | (850) 598-0450 |
| 4 | Acceptance Insurance | 609 E 23rd St | (850) 204-3793 |
| 5 | Peoples First Insurance | 1022 W 23rd St Suite 250 | (850) 770-7047 |
| 6 | Ellis Agency Insurance | 1134 Harrison Ave | (850) 763-1627 |
| 7 | St. Andrews Insurance Agency, Inc. | 1742 W W 15th St | (850) 785-2383 |
| 8 | Daffin Insurance Services | 755 Harrison Ave | (850) 769-8183 |
| 9 | Acentria Insurance | 501 W 11th St | (850) 257-2990 |
| 10 | Specialty Insurance Group | 1143 Jenks Ave | (850) 747-4959 |
John Douglas Insurance & Financial Services serves the Panama City, Florida metro area as a dedicated provider of condo insurance coverage. The agency assists condominium unit owners with policies that protect personal property and interior building elements typically not covered by a master association plan. Navigating this specialized insurance requires attention to individual unit liability and loss assessment coverage. These policies help address the financial gaps for fixtures and upgrades within a unit. The company manages both individual unit owners’ policies and assists with loss assessment coverage for shared area damages.
Direct Auto Insurance in Panama City, Florida, is known for helping residents protect their condominium investments with tailored policies. The agency offers standard condo insurance that typically covers interior structures, personal property, and liability within a unit. Policies often address assessments and loss assessments common in homeowners associations. A specialty service this agent can add is coverage for betterments or upgrades that exceed original unit specifications, ensuring full value replacement.
Harry Grizzle Insurance provides comprehensive condo insurance solutions for property owners in Panama City, Florida. It offers tailored coverage plans designed to protect individual units and shared building elements against common coastal risks. The agency also assists clients with policy reviews and claims guidance throughout the year. Its services primarily support condominium owners, including those managing single-family homes within associations, apartment-style complexes, and residential or mixed-use properties that house retail spaces or restaurants on the ground floor.
Acceptance Insurance serves Panama City, Florida, offering condo insurance policies tailored to condominium owners in the area. It helps clients secure coverage that protects personal belongings and interior structures while addressing specific association requirements. The agency works with local condominium residents to understand the unique risks posed by the Gulf Coast climate and community living. Acceptance Insurance gives attention to safeguarding individual units from water damage and storm-related losses through its focused services.
Peoples First Insurance serves condo owners and homeowner associations in Panama City, Florida, offering coverage for individual units and common building areas. The agency helps clients tailor policies that protect personal belongings and liability. Property managers also access guidance for master and association-level insurance needs. Agents work to explain coastal-specific coverage options, including wind and flood protection. Business hours accommodate local work schedules. Peoples First Insurance extends its services to the Lynn Haven community within the Panama City metro area.
Serving Panama City and the surrounding Bay County communities, Ellis Agency Insurance helps condominium owners secure appropriate coverage for their units. The agency handles the unique insurance requirements of condo living, including interior structural protection and personal liability. Relying on a straightforward consultation process, it works to match each client’s specific policy needs for their individual property and building type.
St. Andrews Insurance Agency, Inc. in Panama City, FL, offers both one-time policy purchase options for individual condo owners and ongoing service for those seeking continuous coverage adjustments. Their work focuses on securing protection for interior units and shared building elements against common coastal risks like wind and water damage. Policies are tailored to cover personal belongings and liability within the specific terms of each condo association’s master plan. Service operates on an as-needed basis, allowing clients to request coverage modifications or file claims only when required for changes or incidents.
Daffin Insurance Services specializes in tailored condo insurance policies for Panama City, Florida. It works closely with residents to ensure their individual units and shared building structures are properly covered against local risks. The agency helps navigate coastal insurance requirements, including wind and flood exposure. As hurricane season approaches, it assists clients in reviewing their deductibles and coverage limits to address potential storm damage and ensure adequate financial protection.
Acentria Insurance provides a full range of condominium insurance services in Panama City, Florida, including tailored property and liability coverage for individual unit owners. The agency offers ongoing policy reviews and personalized service plans to help clients maintain appropriate protection as their needs evolve. Claims assistance and coverage adjustments are available throughout the life of a policy. Acentria Insurance services single-family homes, apartments, retail spaces, and restaurants in the local area.
What Does a a Condo Insurance Agent in Panama City Cost?
Condo insurance in Panama City Florida typically costs between 300 and 800 dollars per year for a standard policy. Factors that affect the price include the unit location proximity to the coast the deductible amount and the coverage limits you choose. Windstorm coverage may add extra cost due to hurricane risk. This is general information not insurance advice.
About condo insurance agents in Panama City
Condo insurance agents in Panama City Florida help owners understand the unique coverage needs for coastal condominiums. Florida law requires condo associations to carry a master policy but that policy may not cover interior fixtures or personal belongings. A local agent can explain how to fill gaps between the master policy and your personal unit coverage.
Frequently Asked Questions
What does a condo insurance agent do in Panama City Florida?
A condo insurance agent helps you select a policy that covers your personal property interior walls and improvements. They also explain Florida Statute 718 which governs condo association insurance requirements and your individual responsibility for deductibles and loss assessments.
Is condo insurance required by law in Florida?
Florida law does not require individual condo unit owners to carry insurance. However your condo association bylaws or mortgage lender may require you to have a policy. An agent can help you meet those requirements while protecting your investment.
How does a master policy affect my condo insurance in Florida?
The condo association master policy covers the building structure and common areas. Your individual policy should cover interior finishes cabinets flooring and personal belongings. Florida Statute 718.111 requires the association to maintain property insurance but you still need coverage for your unit contents and liability.
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