Your home deserves more than just protection — it deserves peace of mind.
At St. Andrews Insurance, we help homeowners across Panama City and the Florida Panhandle find the right homeowners insurance — with policies tailored to real Florida risks, explained by real local experts.
Your Property Matters
Personalized Coverage for Every Home
No two homes — or homeowners — are the same. That’s why we take time to walk you through every option, answer your questions clearly, and help you feel confident every step of the way. From coastal beach houses to second homes and investment properties, we offer homeowners insurance Florida residents can count on.
What Home Insurance Covers
Storm, Wind & Hurricane Damage
Our homeowners insurance includes protection against Florida’s most serious weather threats — from hurricanes and tropical storms to strong winds and hail.
Fire & Theft
We help safeguard your home’s structure and belongings from fire, theft, and other unexpected covered events — so you can focus on what matters most.
Liability Protection
Injuries happen. Our liability coverage helps protect you financially if someone is hurt on your property — essential protection for every Florida homeowner.
Personal Belongings
Coverage for your furniture, clothing, electronics, and valuables if they’re damaged or stolen.
Additional Living Expenses
Covers temporary living costs if your home becomes uninhabitable due to a covered loss.
Don’t forget
flood insurance. In Florida, flood risks are high — and separate coverage is crucial. We’ll help you add it seamlessly.
Questions We Hear Most — With Answers
Why do I need homeowners insurance if my home is paid off?
Even if you don’t have a mortgage, homeowners insurance protects you from unexpected costs like rebuilding after a storm, replacing stolen belongings, or paying for liability claims. Without it, you could face large expenses on your own.
How does my deductible work?
Your deductible is the amount you agree to pay out of pocket before your insurance starts covering a claim. We help you choose a deductible that balances affordability with the coverage you need.
Is hurricane damage covered under home insurance?
Yes, most homeowners policies in Florida include wind and hurricane damage. However, they often have a separate hurricane deductible. We’ll explain exactly how this works so you’re fully prepared.
Is flood damage covered under home insurance?
Flood isn’t covered in the typical homeowner policy but in some cases can be added via endorsement. A separate flood insurance policy is available in cases where coverage cannot be included under the homeowner's insurance policy.
How do I file a claim with St. Andrews Insurance?
Filing a claim is simple with us. You can start by visiting our Client Resources page for step-by-step guidance and carrier contact information, or call us directly — we’re here to help you every step of the way.
What makes St. Andrews different from other insurance companies?
We pride ourselves on fast response times, technical expertise, and a commitment to explaining your coverage clearly. We’re your local insurance partner — not a call center — and we truly care about helping you feel secure.
Local Help, Real Answers
Let’s Protect Your Home
At St. Andrews Insurance, we make homeowners insurance simple, supportive, and personal. You’ll get one-on-one support, clear explanations, and real guidance at every step — from exploring quotes to handling claims. No call centers. No confusion. Just real local experts helping you protect what matters most.
