Coverage With a Personal Touch
Protection You Can Trust
From our office in Panama City across the Florida Panhandle & throughout Florida, St. Andrews Insurance delivers caring, personalized coverage across the Florida Panhandle. As your trusted local agency, we provide quick support, clear guidance, and a true commitment to protecting what matters most to you.
Your Local Insurance Experts
Built on Relationships, Rooted in Expertise
As a locally owned agency, we believe great coverage starts with real conversations. We’re here to guide you through homeowners, flood, auto, condo, renters, and business insurance — always with your peace of mind at the center. Led by a team of dedicated "insurance nerds," we bring deep knowledge, fast service, and local insight to every policy.
Our Insurance Services
Homeowners Insurance
Protect your Florida home with coverage designed to weather life’s storms and surprises.
Flood Insurance
Essential protection against coastal risks and unpredictable flooding in the Panhandle.
Auto Insurance
Drive confidently with personalized auto coverage that keeps you moving forward.
Condominium Insurance
Customized coverage for your condo’s interior, belongings, and peace of mind.
Renters Insurance
Affordable, simple protection for everything that makes your rental feel like home.
Personal Umbrella Insurance
Extra liability protection to keep you secure beyond standard policies.
Business Insurance
Support for local small business owners who need dependable, straightforward coverage.
Get a Quote Now
Start with a fast, personalized quote from a real local advisor. We’ll walk you through your options clearly and quickly.
Diana F.
Clyde is very professional and informative. We appreciate him so much!-
Bubba M.
Best insurance company in Bay County! -
Darwin C.
Great place to get insurance customer service is great -
Bubba M.
Fantastic. Highly recommend Clyde Furlong for all insurance needs! -
Tom L.
Jean always makes sure we have the best insurance coverage at a competitive price. -
Alan T.
Awesome staff, they're really helpful and knowledgeable. I went in for some personal stuff and they helped me understand everything and made it very clear and simple. -
Susan B.
Great price on home insurance. Fantastic people in the office, very personable friendly. -
Max D.
Clyde Furlong did an awesome job with our HOI. I cannot thank him enough for how helpful he was throughout the process and he beat the competition by a substantial amount. I cannot recommend him enough! -
Jennifer E.
I highly recommend John Thompson and team to handle my client’s insurance needs when buying real estate. A-rated carriers and years of experience make this agency the logical choice for my clients. -
Glenn H.
Nice people to work with -
Doc S.
Brittany Johnson was an absolute gem to work with. She went over and above in customer service and genuine concern for her clients. She worked after hours and on her personal time to meet our needs on short notice. I will send her all of my family business and encourage my friends to contact her for true customer service, professionalism and efficiency. Brittany is a true "blast from the past" in her commitment to the seemingly lost talent of true client service. Great Job! -
Ranger U.
I have had St. Andrews insurance for several years for several properties. I work with Jean, and she has been so helpful and competent I don’t want to go anywhere else. -
Adrianna J.
Every time I call each person is super friendly, able, and most importantly willing to help you with whatever you need. They reply to emails quickly as well and keep you updated on your policies. -
Jon P.
All of your insurance needs -
Annie H.
Meagan is professional and fabulous to help with my insurance needs. She's a great asset to your company! Because of her i recommend your company! 10/10. Thank you again for the great service. -
Steven R.
Always excellent customer service -
Britta M.
Great Insurance Company! -
Will
Mr. Kirkland is great at what he does. He's able to call the right people & make things happen. He always answers my insurance questions quickly & in detail. -
Thomas M.
We had to change our auto policy to Florida coverage. The lady was very pleasant and answered our questions regarding getting a Florida drivers license. We have them for home coverage as well. No complaints so far and that's 3 years. -
Caroline G.
Very helpful -
Patty K.
Good Agency -
Rena E.
You know the INS. Must be paid. -
Cathe G.
Receptionist has always gone above and beyond, a really helpful lady ! -
Robert H.
Great place to get insurance not that high -
Heather C.
I do not have insurance with them at the moment but when I was in need of some help on finding homeowners insurance Dave was sooooooo helpful!! I believe he went above and beyond to help me out. It's hard to find someone to do this. I appreciate everything he did. -
Nikki R.
Great experience, I am fully insured before hurricane season. I was educated about some concerns that I had and now I am very confident that I am fully insured regardless of the future! I highly recommend St. Andrews Insurance Agency, and Mr. Jack Thompson in particular! -
Cathy H.
Ease to do business with. Jack is direct, courteous, and quick in providing the quote as well as getting the policy in place. Thank you, Jack and St. Andrews Ins Agency! -
Ken L.
I received outstanding service. They collaborated with me to ensure I secured the ideal policy for my home and were prompt in responding to all communications. -
Tetiana B.
Exceptional Service and Competitive Rates! I had an outstanding experience with St. Andrews Insurance Company. From the moment I reached out, their team was incredibly responsive and professional. They took the time to clearly explain every detail of the coverage options, making sure I fully understood what I was getting. Their knowledge and expertise really stood out and gave me confidence in my decision. On top of that, they offered a fantastic quote that beat several other providers I had checked with. I highly recommend St. Andrews to anyone looking for reliable, transparent, and affordable insurance services. -
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A few weeks before renewal I took recommendation from the Dave Ramsey Endorsed Local Provider (ELP) program and contacted Jack Thompson at St. Andrews Ins. I have several policies that are coming up for renewal in the 2nd quarter, two with immediate renewals. Jack came back with great recommendations with lower premium costs on similar coverage. -
Robert B.
Wonderful experience with Jack and this agency! Best price and great coverage and benefits package. Thanks so much!! I will tell everyone to come see you! -
Derek S.
Justin was very helpful and quick to respond. He helped us get the custom policy we needed at a very competitive rate. I would highly recommend! -
Lil G.
I too took Dave Ramseys suggestion regarding looking @ other insurance options & St. Andrews Insurance was my local contact. Mr. Jack has been amazing to work with. I am from a generation that still remembers our parents 'Insurance man' coming to the house to find the right policies to insure our family. I feel like I've found that service again. Saving some big money here so I can look forward to retirement ¬t have 'big dollar' insurance bills looming in my budget. Thanks for all y'all do!!! :) -
William T.
Jack was great and very fast to respond. Will recommend! -
Sheridan J.
Amazing service! We use Jack for all of our home insurance policies. We are busy professionals that don’t have time to call around and get quotes from every provider. Jack does all that work for us and is very quick to answer any questions. I recommend him to all of my friends. -
Greg P.
Breana with St Andrews is extremely knowledgeable and was a big help in getting the correct coverage for our new condo. I highly recommend St Andrews insurance! -
Sonia G.
Awesome company. John had lots of patience with me! Thank you. -
Victoria D.
Just joint the company as a client..meet our Agent.are very impressed -
Luis M.
Jack is the best! Thanks for all the help that was provided to find me an auto quote -
Karina S.
Friendly staff and great prices. -
Buzz W.
When we moved to Panama City in October 2017 we engaged an insurance agency on our real estate broker's list of recommendations. After six months and two insurance policy cancellations later, I felt it necessary to change agencies since the staff at the recommended agency had neither correctly filed applications nor timely responded to minor items that became major. I changed to St, Andrews Insurance Agency which professionally and efficiently found a great carrier for our homeowners insurance. I recently received a notice from the current mortgage servicer asking that the poicy be amended to add them to the declarations. I spoke to Jesse at St. Andrews Insurance on Monday to request the change. She verified the information over the telephone and said she'd take care of it. Today (Saturday) I received the amended policy from my carrrier in the mail. HATS OFF to Jesse and the St Andrews Agency! When they say they'll take care if it, THEY DO! I'm a happy camper! -
Greg H.
We were purchasing a new home and had many questions about the level of insurance, flood insurance, etc. St Andrews Insurance Agency did a great job of patiently and calmly walking us through the process which was very much appreciated. Good people you can trust!!! -
Kristin B.
Jack was quick to get back with me about getting our rental property insured. He is fast to respond to questions/answers his phone, very knowledgable and did a lot of research in finding us the best carrier. We highly recommend him!! -
Bryan S.
Jack was very professional and got us insurance that worked for us at a great price. I highly recommend him and his company for your insurance needs. -
Adam S.
We have been with this company for 9 years and they have been great. They always take action on anything we bring to them and do a great job following up on any issues. -
Alice P.
I’ve worked with St. Andrews Insurance Agency for years, not only for my own properties but also in helping my real estate clients with their insurance needs. John Thompson is a wealth of knowledge and is always available to answer questions or provide clarity on even the most detailed matters. The entire team — Jack, Briana, and Jean — are true experts in their field. They’re prompt, professional, and consistently go above and beyond whether I need coverage for myself or quick quotes for clients. Top-notch service every time. Highly recommend! -
Adin N.
I recently had the pleasure of receiving service from Breana, and I can't say enough about how fantastic she was! From the moment I reached out, Breana was warm, welcoming, and incredibly knowledgeable. She took the time to listen to my needs and went above and beyond to ensure I had all the information I needed. Her attention to detail and prompt responses made my experience seamless and enjoyable. It’s rare to encounter someone as dedicated and passionate about customer service as Breana. She truly made me feel valued and cared for throughout the entire process. I highly recommend reaching out to her for any assistance! Thank you, Breana, for making my experience so positive! -
Betsy R.
Jean and the whole agency have been very diligent to keep me up to date on changes to insurance requirements and how if effects our property. Always helpful in finding the best coverage for the money. Please give them a call! -
Bert S.
I have my "go to" insurance guru, Jack Thompson, and he is always quick to answer my questions and look for a good policy for me and my clients. -
Ashley M.
Breana Cruz and St Andrews Insurance are the very best! Knowledgeable, supportive, responsive and professional. I have worked with them over the last 6 plus years and refer all my clients there. They always provide me and my clients with qualified choices for our insurance needs. You are in great hands with Breana! -
Bonnie D.
I had a claim And soon found out Florida homeowners Insurance differs from Georgia. John was patient with me and fully explained that portion of my coverage. He was there to answer every question and support me throughout the process. I find homeowners insurance to be confusing, but he helped me every step of the way. -
C W.
This has been a great place to deal with; they are always friendly and ready to help find the best prices. -
Bobby B.
I’ve had an excellent experience working with St Andrews Insurance. They are professional, knowledgeable, and always take the time to explain policies in a clear, easy to understand way. What I appreciate most is how responsive they are, whether it’s answering questions, handling claims, or finding the best coverage options, they truly go above and beyond. I feel confident knowing my insurance needs are in good hands. Highly recommend! -
Christina O.
great service and a great company to have for your home or business -
Burt S.
Outstanding service, super nice people and excellent pricing. What else could you ask for? -
Chevina J.
Breanna has been our insurance agent for the last 3 or 4 years. She is prompt with responses, professional, and possesses amazing attention; attributes that I greatly appreciate and found lacking in previous agents. Working with Breanna is always streamless and stress-free. -
Chrissy P.
I've been working with this agency for about 5 years. Jean always makes the renewal process easy. She always emails me prior to the renewal and does her best to find us the best coverage for the best price. Thank you for the great service. -
Cody M.
I’ve been with St. Andrews Insurance for about 16 years and have never had a single issue. Anytime I call, someone from the team answers right away and is always super helpful. They really go the extra mile to get me the best rate possible. When I had to replace my roof recently, Jon was awesome—he explained exactly what type I needed and what inspections to get so I could qualify for the best rate. One year my insurance went up about 20%, and Jon reached out immediately to see if I wanted to look at other carriers. He found a new one and got my rate back down to where it was before. I highly recommend St. Andrews Insurance Agency to anyone looking for reliable, responsive, and knowledgeable service. -
Daren D.
I have been with St. Andrews Insurance for over 5 years. Jean Owens is friendly, knowledgeable and responsive! I definitely recommend them. -
Alex E.
Was able to get a homeowners quote and policy quickly and efficiently. Had all my questions and concerns addressed. -
Dean J.
Clyde and his team are the best in the game -
Curtis E.
I finally dropped the expensive companies in FL and have all my insurance needs covered by St. Andrews Ins Agency. This was much easier than I thought, the folks at St. Andrews guided me through the process, were extremely helpful, answered all the questions, and resulted in savings of about $ 1.5 K/annual for the auto and umbrella coverage which completed my portfolio with St. Andrews. -
D P.
We were fortunate to be referred to Breana Cruz with St Andrews Insurance by our realtor when we bought our home in 2021. Although we have not needed to file any claims, Breana has maintained a personable relationship with us over the years. I know if we ever need to file a claim or just have questions/need to update policy; we will get the same great service we had our first meeting! -
Chris
I had heard about this insurance agency online and called 3 insurance agencies to compare and contrast. I chose St. Andrews becuase they seemed to be more in tune with what I needed and they took the time to describe and explain. Every question seemed important to them, which made me feel better about my decisions/choices. They have been absolutely awesome to work with and I have no intention of ever changing companies as long as I live in the area. -
Don R.
Fantastic service. Breana is so wonderful to work with. -
Lewis K.
Great insurance company -
Frank S.
John and his team has always provided Great service and communications. This has not always been easy with the changed in rates and carrier in the Florida Property and Casualty markets. -
Dyan R.
Excellent company to do business with. I highly recommend. -
Lois N.
We've been with St Andrews Ins. for many years. Everyone is always friendly and helpful giving us our best options for insurance. -
Jackieleen L.
Jack was very helpful and kind when I needed home insurance.He helped make the process easy, and I got great rates. -
Jim P.
Super Agent Breana Cruz has always been a great help to me whenever Policy questions arise or when I need additional insurance information! I have been well served in the 14 years of insurance coverage with St Andrews, and would recommend them to anyone who looks for professional attention! James Pretlow -
Jaime D.
Jack at St Andrews Insurance makes renewing our homeowner's insurance a breeze. He is always watching the market trends and letting us know the best options for us. -
Doug L.
Great service!!! Very friendly -
Ken T.
ST. ANDREWS INS AGENTS ARE ALWAYS NICE TO DEAL WITH. -
Jodi A.
We love working with Breanna and her team. The are always professional and quick to respond to our questions. -
Karen B.
We have been with St. Andrews for years. John is always so pleasant to work with, very helpful, and quick to respond. I highly recommend John and St. Andrews for your homeowners insurance. -
Laurie L.
My experience with Jean and the St. Andrews Insurance Agency has been very positive. She is always quick to provide the best price for coverage each year and quick to respond to email inquiries. -
Karen S.
So many many years so I am not sure of the time but I know that though it all I have counted on John Thompson as my go to for my insurance needs. He has always been so kind to help me and seems as though much help was needed over the many years of living and working at the beach. Thanks for being such a shining example of business well done!!! -
Linda B.
I have been with St Andrews for many years and have had good service with them -
Nora B.
I am thrilled to save ALOT of money on a new auto insurance policy. Jack is responsive, professional, and personable. He really made the process so easy. Highly recommend. -
Joe D.
Have used St Andrews Ins for many years and always felt I was treated fairly. Everyone explains coverage options helping the customer to make well informed insurance choices. -
Kurt B.
Exceptional Customer service -
J. S.
always great service, friendly staff -
Lillie H.
Jack Thompson and his team at St. Andrews Insurance Agency are the best! Jack has gone above and beyond to get me the best rates on my vacation rental home and has saved me lots of money. He's always quick to answer any questions I have and truly looks out for his clients. He's honest, straightforward, and truly cares about helping you find the right coverage for your needs. I highly recommend him - and often do - to anyone looking for reliable, trustworthy insurance help! -
Lorna M.
Jean Owens has been my insurance agent for many years. She works tirelessly to find me the best possible rates. If I have a question she answers right away. I trust her explicitly and recommend her and St Andrews Insurance. -
Campbark
Jack did a great job securing a policy for me with the same coverage as before with a much better premium! -
Mark M.
This is a far different insurance agency. They actually serve the local community with excellent insurance plans, at a significant savings, coupled with responsive customer service. -
Michael T.
Jean and the team at St Andrews go above and beyond to insure compliance for my rental property. Could not be more pleased with the level of service which I receive. -
Mark E.
Very responsive when I need assistance on my boat or homeowners insurance policies. -
Mark G.
St Andrews Insurance Agency has provided excellent service to me for many many years! Keep up the good work! -
Melanie B.
Excellent Service and Support I’d like to express my sincere appreciation for the outstanding support I received from John C. Thompson at St. Andrews Insurance Agency. When I unfortunately missed the renewal deadline for my flood insurance policy, John went above and beyond to help. He took the time to thoroughly research my options and was able to secure coverage at a very reasonable rate. His dedication and personalized service truly reflect the agency’s commitment to serving their customers. I am grateful for the time and effort he invested to ensure my insurance needs were taken care of. Thank you, John, for your exceptional service! -
Dizzygminis
The agent took the time to go over my vehicles and find the best offer on insurance, he was very thorough. The office was pleasant and so were the other office workers. I use them for home insurance and am changing over my car insurance to them. -
Linda S.
Great service, always willing to help get the best rates possible. Also on the ball with renewals - reminding me and making sure I don't miss the deadline. -
Mike D.
We have been very pleased with the service at St. Andrews. They have been very helpful in answering questions and making sure we have the right coverage. Everyone in the office is helpful and pleasant! -
Mindi S.
St. Andrews Insurance is fantastic to work with! Their team is super responsive and communicates clearly every step of the way and no waiting days for a call back or chasing down answers. They also offer very competitive rates without sacrificing coverage quality. It’s clear they genuinely care about their clients and work hard to make the insurance process simple and stress-free. Highly recommend them for anyone looking for great service and affordable protection! -
Paul F.
St. Andrews has been great to work with. They help with our home near the beach in fl. As rates go up and down they are always on top of making sure that we are covered for the things that we need and at a rate that stays in our budget. -
Devin B.
I have been doing business for several years with St. Andrews Insurance Agency. They are very professional and courteous, and I have been working with Breana Cruz and Jessie and I am very impressed with their response time and they always provide very detailed and easy to understand information when it comes to homeowner's insurance. A great team over there!! -
Phil
I have been dealing with St Andrews Insurance Agency for over 20 years. Recently Jack Thompson was assigned to my account for homeowners insurance. He helped us find a more equitable and efficient insurance provider thanks to competition reviews and research. Thanks for all your assistance Jack! -
Randolph L.
Excellent service as always -
Steve A.
Breana always takes the time to help me. She is great to work with -
Rhonda L.
Jack and the team at St Andrews Ins has been so easy to work with in getting quotes for and securing property insurance for our rental properties, as well as for our own home. He is currently my go-to for insurance and always recommend him to clients. -
Rhonda W.
High level of professionalism. Great response timeliness and knowledge of the business. -
Scott T.
Justin at St Andrews Insurance was TOP NOTCH when I moved to Florida and did not know anything about what I needed for my homeowners & flood insurance. He walked me thru what I needed and some great ways to save money that I would have never found on my own! If you are new to the area and need someone to partner with you for what you need locally... I could not give a higher recommendation... Personable, reactive to my questions & GREAT RATES... -
Ruth W.
The staff was very helpful and responsive to my home insurance needs. I highly recommend St. Andrews Insurance Agency! -
Robert E.
We had a major leak in our PCB place last Nov. St Andrews and Tower Hill did a fantastic job assisting us in getting our place restored and rebuilt. Everyone we dealt with was helpful and flexible in helping us with claims and settlements. -
Ronald M.
We have used St. Andrews Insurance Agency for our property insurance needs for nearly two decades. John Thompson and staff have been great in providing us the best coverage at the best price for our homeowner insurance needs. John has provided the us with answers to our questions and advice on the best way to handle our needs. Great company to work with. -
Beth C.
I’ve worked with St. Andrews and John for years, both personally and as a real estate agent. They’re always professional, courteous, and great to work with. I feel confident referring my clients to them for their insurance needs! -
Bobby S.
We have dealt with John and his crew for over 20 years; very professional, knowledgeable, and friendly. -
Toni G.
Thanks for helping us to find the best options for our insurance needs! -
Scott C.
John and his team are always very attentive to my insurance needs. St. Andrews Insurance is truly a trusted advisor to me and my family!
Why Choose St. Andrews
Start with a quick, customized quote from a real local advisor — not a call center. We make it easy to find coverage that truly fits your life.
Fast, Personalized Quotes
Simple Policy Management
Easily update your information, make changes, or request adjustments online, anytime. We believe managing your insurance should be straightforward and stress-free.
Guided Claims Support
When it matters most, we're here with clear steps and direct carrier links to help you file claims confidently and quickly — no confusion, just real help.
Ready to Talk About Coverage?
At St. Andrews Insurance, you won’t get lost in a call center or wait endlessly for help. When you reach out, you connect with real people who know your name, understand your needs, and are ready to help. Whether you’re looking for new coverage, making updates, or filing a claim, we’re here with fast answers and personal support — every step of the way.
