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.
Bubba McCants
Best insurance company in Bay County!-
Caroline Goehring
Very helpful -
Adrianna Jones
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. -
Heather Colwell
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. -
Susan Bellas
Great price on home insurance. Fantastic people in the office, very personable friendly. -
tom lands
Jean always makes sure we have the best insurance coverage at a competitive price. -
ranger USA
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. -
Annie Hicks
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. -
Robert Harvis
Great place to get insurance not that high -
Britta Mattox
Great Insurance Company! -
Cathe Gebhardt
Receptionist has always gone above and beyond, a really helpful lady ! -
Max Daleiden
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! -
Glenn Hogan
Nice people to work with -
Jennifer Ethridge
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. -
Diana Franklin
Clyde is very professional and informative. We appreciate him so much! -
Steven Rudloff
Always excellent customer service -
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. -
Jon Parrott
All of your insurance needs -
Alan Troutman
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. -
Bubba McCants
Fantastic. Highly recommend Clyde Furlong for all insurance needs! -
Darwin “Coastal Keys Locksmith” Clayton
Great place to get insurance customer service is great -
Thomas Mulkerin
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. -
Patty Kelley
Good Agency -
Rena Enfinger
You know the INS. Must be paid. -
DOC SFH
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! -
Nikki Rowland
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 Hoang
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 Longstreet
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 Burke
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 Bowden
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 Stapleton
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 Peg Gilley
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 Turner
Jack was great and very fast to respond. Will recommend! -
Sheridan Jones
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 Primm
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 Ganswyk
Awesome company. John had lots of patience with me! Thank you. -
Victoria Drimonas
Just joint the company as a client..meet our Agent.are very impressed -
Luis Maggiori
Jack is the best! Thanks for all the help that was provided to find me an auto quote -
Karina Sanford
Friendly staff and great prices. -
Buzz Wagner
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 Hawley
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 Butterfield
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 strickland
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 Sorrell
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 de La Penha
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 Nava
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 Ritch-Reed
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 Summerville
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 Meadows
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!
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.
