The top-rated home insurance agent in Fort Walton Beach, Florida is Harris Insurance Services, Inc., rated 4.9 stars across 1,089 reviews. Other highly rated options include Michael Cheney: Allstate Insurance, Norton Insurance Of Florida, Jennifer Schweikert - State Farm Insurance Agent. This directory lists 19 home insurance agents serving Fort Walton Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Harris Insurance Services, Inc. | 123 Miracle Strip Pkwy SE | (850) 244-2111 |
| 2 | Michael Cheney: Allstate Insurance | 7 Racetrack Rd NE | (850) 974-3993 |
| 3 | Norton Insurance Of Florida | 102 Beal Pkwy SW | (850) 244-1574 |
| 4 | Jennifer Schweikert - State Farm Insurance Agent | 423 Racetrack Rd NE | (850) 226-7949 |
| 5 | Courtney Simpson - State Farm Insurance Agent | 24 Eglin Pkwy NE | (850) 863-9212 |
| 6 | Haven De La Costa Insurance Agency | 501 Mary Esther Cut Off NW #8 | (850) 496-2473 |
| 7 | GreatFlorida Insurance: Bryan Mcgehee | 745 Beal Pkwy NW Unit 3 | (850) 314-0111 |
| 8 | Acceptance Insurance | 242 Eglin Pkwy NE A | (850) 204-3726 |
| 9 | Panhandle Insurance Agency | 98 Oakhill Ave | (850) 610-1857 |
| 10 | Emerald Coast Insurance Agency | 103 Hollywood Blvd NW suite c | (850) 243-7196 |
Harris Insurance Services, Inc. serves homeowners in Fort Walton Beach and surrounding areas of Okaloosa County, offering professional home insurance agency services. The company helps residents secure coverage for their properties against common local risks such as windstorms and hurricanes. Policy options are tailored to protect the structure of the home and personal belongings inside it. Harris Insurance Services, Inc. additionally assists with flood insurance policies and liability coverage for homeowners.
Michael Cheney: Allstate Insurance provides homeowners insurance coverage to protect residential properties against common risks such as fire, theft, and storm damage. It can also offer liability protection for accidents that occur on the property. Service and maintenance plans may help customers manage their policies efficiently and adjust coverage as needs change over time. The company serves a variety of properties in the Fort Walton Beach area, including single-family homes, apartments, retail spaces, and restaurants.
Serving Fort Walton Beach and the surrounding communities in the Florida Panhandle, Norton Insurance Of Florida handles home insurance for local homeowners. The agency helps clients find coverage that addresses common regional risks, such as storm damage and flooding. For each policy decision, the company reviews individual property details to match homeowners with appropriate protection plans. To complete a typical job, the agency compares options from multiple carriers and explains the differences between policy limits and deductibles.
Jennifer Schweikert - State Farm Insurance Agent serves homeowners, businesses, and property managers in Fort Walton Beach, Florida. The office provides home insurance policies designed to protect dwellings, personal belongings, and liability exposure. It also helps clients assess their coverage needs for natural perils common to the Gulf Coast region. Additional services include bundling options with auto insurance for potential discounts. The agency extends its coverage and support to residents and business owners in the nearby Navarre community as well.
Courtney Simpson - State Farm Insurance Agent in Fort Walton Beach, FL distinguishes between one-time liability policies for renters and recurring multi-peril homeowner plans tailored to the local coastal environment. Coverage options include dwelling protection, personal property replacement, and additional living expense reimbursement should a covered loss occur. Service is offered on an as-needed basis for policy inquiries, claim filings, and annual coverage reviews.
Haven De La Costa Insurance Agency in Fort Walton Beach, Florida offers tailored home insurance policies, including coverage for structure, personal property, and liability. It generally serves local homeowners by reviewing policies to ensure adequate protection against common regional risks. This agent also helps clients address specific needs such as safeguarding properties from hurricane damage during the active Atlantic storm season.
Hurricanes and storms can leave Fort Walton Beach homes vulnerable to wind and water damage, making reliable coverage essential. GreatFlorida Insurance: Bryan Mcgehee helps property owners evaluate their policies to ensure adequate protection for the local climate. The company reviews dwelling limits, personal property, and liability options, tailoring plans to the needs of each household. For those considering coverage adjustments for the season, Bryan Mcgehee typically begins by scheduling a walk-through inspection of the home to assess current risks and structural conditions.
Acceptance Insurance provides home insurance services for property owners in Fort Walton Beach, Florida. The agency assists clients in obtaining standard dwelling coverage, and in adding specialty endorsements for items such as flood damage, windstorm protection, and personal liability. For businesses that require property policies, the agency can quote commercial insurance for offices, warehouses, and food service operations.
Panhandle Insurance Agency provides home insurance guidance to property owners in the Fort Walton Beach area, converting standard policies into customized protections for local coastal living. The team typically adds relevant wind and flood coverage options onto standard homeowners plans. Clients seeking further security can also discuss liability extensions for additional assets on their property. The agency routinely serves residential clients as well as commercial sectors, including local offices, warehouses, and food service establishments.
Emerald Coast Insurance Agency in Fort Walton Beach, FL offers residential home insurance coverage, tailoring policies to protect local properties against common regional weather risks. The agency also provides commercial coverage for area businesses, serving clients throughout the Fort Walton Beach community. Its representatives work closely with homeowners to review policy details and coverage limits. The team encourages follow-up contact between regular visits, inviting clients to come back whenever their coverage needs change or when planning home improvements.
What Does a a Home Insurance Agent in Fort Walton Beach Cost?
Typical home insurance costs in Fort Walton Beach range from 1500 to 4000 dollars per year for a standard single-family home, depending on coverage limits and deductibles. Windstorm coverage adds significant cost, and flood insurance averages 700 to 1200 dollars annually. Actual premiums vary by home age, construction, and location. This is general information, not insurance advice.
About home insurance agents in Fort Walton Beach
Home insurance agents in Fort Walton Beach help residents protect their properties from hurricane damage and flooding common to the Florida Panhandle. Florida law requires insurers to offer windstorm coverage and provide a Citizens Property Insurance Corporation option if private coverage is unavailable. Local agents can explain the specific wind mitigation credits and flood zone maps that affect policy costs in this coastal area.
Frequently Asked Questions
What does a home insurance agent in Fort Walton Beach do?
A home insurance agent helps you compare policies from multiple carriers to find coverage that meets Florida requirements. They can explain windstorm deductibles and flood insurance options specific to Okaloosa County.
Is flood insurance required in Fort Walton Beach?
Flood insurance is not required by Florida law, but mortgage lenders often require it for homes in high-risk flood zones. Fort Walton Beach has many properties in Special Flood Hazard Areas, so an agent can help you purchase a separate NFIP or private flood policy.
How do Florida wind mitigation credits work?
Florida law provides premium discounts for homes with features that reduce wind damage risk, such as impact-resistant windows or a hip roof. An agent can help you obtain a wind mitigation inspection to qualify for these credits.
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