POINT SOUTH INSURANCE, INC
2050 W County HWY 30A , M1-109, Santa Rosa Beach, FL 32459
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Santa Rosa Beach households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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2050 W County HWY 30A , M1-109, Santa Rosa Beach, FL 32459
4821 US Highway 98 W, Ste 103, Santa Rosa Beach, FL 32459
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3906 US Highway 98 W, STE 34, Santa Rosa Beach, FL 32459
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3906 US 98 W, STE 34, Santa Rosa Beach, FL 32459
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2050 W County Hwy 30A Unit M1-109, Santa Rosa Beach, FL 32459
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2078 US Highway 98 W Unit 105-109, Santa Rosa Beach, FL 32459
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Learn about insurance coverage options specific to Santa Rosa Beach residents.
Santa Rosa Beach insurance guide covering home, auto, and flood coverage on 30A. Learn about COBRA zones, flood requirements, and local agents in Walton County.
Home InsuranceSanta Rosa Beach home insurance costs $7,000/year for coastal properties. Learn about flood zones, wind mitigation discounts, and 2026 rate decreases.
Car InsuranceNavigate Florida's no-fault system and 30A's unique risks. Learn PIP requirements, 2026 changes, and why minimum coverage may not protect you in Walton County.
While you may not be required to carry flood insurance in Zone X areas, all properties on 30A are technically in a flood zone and can flood. Additionally, as of 2025, Florida law requires most Citizens policyholders to carry flood insurance regardless of their flood zone designation. Given that NFIP coverage in lower-risk zones can cost less than $400 annually, it's often worth the protection.
COBRA (Coastal Barrier Resources Act) zones are designated coastal areas where the National Flood Insurance Program does not provide coverage for structures built or substantially improved after specific dates. If your property is in a COBRA zone, you'll need private flood insurance instead of NFIP coverage. COBRA status also affects loan eligibility—properties in COBRA zones typically cannot qualify for VA, USDA, or FHA loans, though conventional loans may be available.
Coastal property insurance in Walton County varies significantly based on your property's proximity to the Gulf, flood zone designation, and home characteristics. While Florida's average is around $5,376 annually for $300,000 in dwelling coverage, coastal areas typically pay more. The good news is that Florida's insurance market stabilized in 2025, with Citizens announcing a 5.6% rate decrease and more carriers entering the market, providing better options than in recent years.
Your hurricane deductible is separate from your standard homeowners deductible and is calculated as a percentage of your dwelling coverage, typically 2% to 5%. On a $500,000 home with a 2% hurricane deductible, you'd pay the first $10,000 out of pocket for hurricane damage, compared to perhaps $1,000 to $2,500 for your regular deductible on other claims. This difference significantly impacts your out-of-pocket costs after a major storm.
Yes. Currently, Florida requires $10,000 in PIP (personal injury protection) and $10,000 in property damage liability, with no bodily injury liability requirement for most drivers. Proposed legislation set to take effect July 1, 2026, would eliminate the no-fault PIP system and instead require $25,000 per person and $50,000 per incident in bodily injury liability coverage. This represents a significant shift in Florida's auto insurance structure.
Independent agents offer significant advantages in coastal markets because they access multiple insurance carriers. One carrier might decline your beachfront property while another offers competitive rates, and market conditions change frequently. Local independent agencies like Coastal Insurance and Fuller Insurance understand the unique challenges of insuring property on 30A, including flood zones, COBRA restrictions, and which carriers are actively writing policies in the area.
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