Personal Lines

Homeowners Insurance

Coastal Insurance is Okaloosa/Walton Counties leading insurer of Coastal Homes. We take pride in our extensive expertise to assist you in protecting your valuable investment. Our agency has access to several markets to meet your needs. We believe in the total package for your piece of mind. Our staff is more knowledgeable, more responsive, and more caring. From existing homes to new purchases, owner occupancy or rental property, we are here for you. We work closely with local Realtors, title companies, lenders, and homebuilders to ensure a smooth transaction for your new construction or purchase in paradise!

Condominium Unit Owners

Owning a condominium can be a very rewarding investment. Several complex issues need to be addressed when purchasing insurance. Your Condominium Association should have a Master Association policy in effect. Coastal Insurance has the expertise for unit owners who occupy their units or those on a rental program. There are many important coverages needed to ensure little or no gap between the association and unit owners policies to reduce any out of pocket expenses in the event of a claim.

Flood Insurance

Living in paradise is very rewarding. We have access to some of the most beautiful beaches in the world with picturesque views and pristine beaches and waters. However, with this playground of endless recreation and sunshine, there are risks, Hurricanes. We recommend that EVERY property owner purchase a Flood Insurance policy to cover rising waters and potential storm surge from a Hurricane or other tropical system. Special Flood Hazard Areas are required to carry flood insurance. Properties near beaches, bays and other waterways, and low lying areas are typically Special Flood Hazard Areas. In these instances, an elevation certificate is needed to provide a quote for Flood Insurance. Statistics show that not just these areas are at risk of flooding. According to the National Flood Insurance Program, 30%+ of flood insurance losses occur in low risk areas. Hurricane Katrina’s storm surge traveled inland more than 6 miles in some locations. Many of these property owners did not have a policy in effect, causing a devastating financial loss. Did you know that a basic Flood Insurance policy in a low risk area costs less than $1 per day??? This is a very small price to pay for your piece of mind and financial well-being. Coastal Insurance was National Flood Insurance Agent of the Year in 2004. The reason is simple; we educate our clients and provide you the valuable coverage needed.

Personal Umbrella Liability

Many individuals that own property on our beautiful Emerald Coast have several other valuable assets to protect. Coastal Insurance has several markets for Personal Umbrella policies to offer additional liability needed.

Commercial Lines

Contractors

Coastal Insurance is the number one insurer of General Contractors in the area. From residential to commercial, we have a market for you. Some of the valuable coverages we offer include General Liability, Builders Risk/Wind/Flood, Property, Business Automobile, Excess Liability, Workers Compensation and Contractors Equipment policies.

Business Owners

Business owners in today’s insurance market conditions face obstacles in obtaining property insurance. Coastal Insurance has standard markets that write with Hurricane coverage! Some of our specialties are office, retail, wholesale, and service. Eligible businesses will have a comprehensive policy with many automatic coverages included for their unique needs. Commercial Umbrella or Excess Liability policies are also available.

Equipment Floaters

Trade Contractor, General Contractors, and other specialty businesses own valuable equipment often not covered under a Commercial Property policy. Coastal Insurance has a specialty market for equipment schedules

Builders Risk

Builder’s Risk is one of our largest specialties. From multi-million dollar beach front property to tract homes, we have markets. Other coverages typically available are installation, property in transit, and property at other locations. Builders Risk can be written for contractors, owners, and developers.

Business Automobile

Businesses who have owned autos can either have Business Automobile coverage included in a package policy, or as a stand-alone policy. Our automobile markets have many optional coverages to meet your needs.

Call or email either Agent Janice Baker or Commercial Accounts Manager J.B. Ruble at 850-654-4512 for a quote or review of your business' needs.