Daffin Insurance Services
755 Harrison Ave, Panama City, FL 32401
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755 Harrison Ave, Panama City, FL 32401
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1134 Harrison Ave, Panama City, FL 32401
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1022 W 23rd St, Ste 250, Panama City, FL 32405
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1405 W 15th St, Ste A, Panama City, FL 32401
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1742 W 15th Street, Panama City, FL 32401
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621 N Tyndall Parkway, Ste B, Panama City, FL 32404
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2217 St Andrews Boulevard, Panama City, FL 32405
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Learn about insurance coverage options specific to Panama City residents.
Panama City home insurance averages $10,000+. Learn about Hurricane Michael's impact, flood zones, Citizens vs. private coverage, and ways to save.
Car InsurancePanama City auto insurance requires $10K PIP under Florida's no-fault system. Learn coverage costs, US-98/US-231 risks, and how to protect yourself.
General Insurance EducationComplete insurance guide for Panama City residents. Learn about home, flood, and auto insurance rates, Hurricane Michael impacts, and Bay County discounts.
Yes, standard homeowners insurance doesn't cover flooding from storm surge or heavy rain. If you have a federally-backed mortgage and live in a Special Flood Hazard Area, flood insurance is mandatory. Even outside high-risk zones, it's smart protection in a Gulf Coast city prone to hurricanes and tropical storms.
Bay County homeowners pay over $10,000 annually on average—more than double the national average. Some residents have seen premiums climb from $4,000 to $15,000 since Hurricane Michael. However, rates vary widely by insurer, with some Panama City Beach policies available for under $2,800 through carriers like Olympus and Edison.
Citizens is Florida's state-backed insurer of last resort for homeowners who can't find private coverage. It typically offers more limited coverage at higher rates than private insurers, and the state actively works to move policies back to the private market. Use it if you can't qualify elsewhere, but keep shopping—new private insurers are entering Florida and may offer better deals.
Most Hurricane Michael claims have passed the five-year mark, and insurers typically keep claims on record for about five years. While the storm's impact shaped rate increases from 2018 through 2023, the market is stabilizing. Florida saw only a 1% rate increase in 2024, the smallest since 2019, and your individual rate now depends more on current risk factors than past claims history.
Shop multiple insurers—rates vary dramatically, with some carriers charging under $2,800 while others exceed $10,000. Fortify your home with impact-resistant windows, reinforced roofing, and hurricane shutters to earn mitigation discounts. Raise your hurricane deductible if you can afford higher out-of-pocket costs, and bundle home and auto policies for additional savings.
Yes, Panama City Beach participates in the Community Rating System, which qualifies residents for a 25% discount on National Flood Insurance Program policies issued or renewed after December 16, 2020. This discount applies automatically when you purchase NFIP coverage and can save you hundreds of dollars annually on flood insurance premiums.
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