St. Andrews Insurance Agency, Inc. — Full-Service Insurance

Our mission is simple: to protect what matters most by offering transparent, expert guidance across all areas of insurance. With nearly 60 years of experience, we’ve built long-standing relationships with top-tier carriers and a reputation for responsive, knowledgeable service. Whether you’re an individual, family, or small business owner, we’re committed to being your lifelong insurance partner.

🛡️ Insurance Services Offered

As a full-service, multi-line insurance agency, St. Andrews Insurance Agency, Inc. provides complete protection for your personal and commercial needs. We offer a wide range of policies, including:

• Auto Insurance – Coverage for cars, motorcycles, ATVs, and other recreational vehicles
• Homeowners Insurance – Protection for primary residences, condos, and rental properties
• Flood & Earthquake Insurance – Essential for coastal Florida residents in high-risk zones
• Renters & Landlord Insurance – Affordable coverage for tenants and property owners
• Personal Umbrella Insurance – Extra liability coverage beyond standard policies
• Valuable Items & Collectible Auto Insurance – Specialized protection for high-value assets
• Life, Health, Disability & Long-Term Care Insurance – Financial security for life’s uncertainties
• Business Insurance – Including BOP, general liability, property, and commercial vehicles
• Specialty Policies – For boats, RVs, trailers, farms, short-term rentals, and special events

All policies are customizable, and our agents help you bundle coverage for maximum savings and protection.

🌟 Why Choose Us?

Choosing the right insurance partner means more than just finding low rates—it’s about trust, expertise, and support when you need it most. St. Andrews Insurance Agency, Inc. stands out as an independent broker, meaning we’re not tied to a single insurer. This allows us to shop multiple carriers to find the best value and coverage fit for your situation. Clients consistently praise our competitive pricing, clear communication, and prompt responsiveness.

We hold active Florida state insurance licenses and specialize in both personal and commercial lines. Our team includes seasoned professionals like Jean Owens, Clyde Furlong, Jack Thompson, and Brittany Johnson, who are known for their knowledge and dedication. With a 4.7-star aggregate rating from 187 Birdeye reviews, our reputation for excellent customer service is well-earned. We also offer free policy reviews, online quote access, and 24/7 claims assistance to ensure peace of mind.

🤝 Our Carriers

We proudly represent a select network of highly rated, financially stable insurance carriers, ensuring you get reliable coverage and strong claims support. Our partner companies include:

• Progressive
• Safeco Insurance
• American Integrity Insurance
• Auto-Owners Insurance Company
• Florida Peninsula
• Gulfstream Property and Casualty
• Tower Hill Preferred
• National General Insurance (GMAC)
• RLI Insurance
• Hiscox Ins Co Inc.
• Security First Insurance Company
• Mercury Insurance Group
• Edison Insurance
• Frontline Insurance
• Vindati

As an independent agency, we’re able to compare pricing and benefits across these carriers to deliver truly personalized solutions.

📍 Service Area

St. Andrews Insurance Agency, Inc. is licensed to operate throughout the state of Florida, with a primary focus on the Florida Panhandle. We serve clients in Panama City, Bay County, and surrounding communities, including coastal areas where flood and windstorm coverage are critical. Our deep understanding of regional insurance needs—especially for homes near the Gulf Coast—makes us a go-to resource for both inland and shoreline residents.

📞 Getting a Quote

Obtaining a free, no-obligation insurance quote is easy and fast. You can:

• Visit www.standrewsins.com to request an online quote
• Call us directly at (850) 785-2383 or toll-free at (844) 683-0125
• Visit our office at 1742 W 15th St, Panama City, FL 32401 during business hours (Mon-Fri, 9:00am–5:00pm)

Our agents will review your current coverage, answer questions, and help you explore options—all with no pressure and full transparency.

🚨 Claims Support

Filing a claim should be straightforward, not stressful. At St. Andrews Insurance Agency, Inc., we provide hands-on claims assistance to guide you through every step. Whether it’s auto damage, property loss, or a medical claim, our team works directly with the insurer to ensure your case is handled promptly and fairly. We’re here to advocate for you, answer questions, and help speed up the resolution process.

👥 Meet Our Team

Our success is built on the expertise and dedication of our team. Key agents include:

• Jean Owens – Known for her attention to detail and client-focused approach
• Clyde Furlong – Trusted for commercial and personal lines guidance
• Jack Thompson – Frequently praised for responsiveness and clarity
• John Thompson – Seasoned advisor with deep market knowledge
• Brittany Johnson, Will Kirkland, Breana Cruz – Supportive team members committed to excellent service

Each agent is licensed in Florida and trained to help you navigate complex insurance decisions with confidence.

⭐ Client Testimonials

Our clients consistently highlight our professionalism, knowledge, and care. Recent reviews say:

• “Great Customer Service!”
• “Quick response with good rate.”
• “Helpful folks who made everything simple.”
• “Jack was great with helping me with all my insurance needs.”

With an aggregate rating of 4.7 from 187 reviews, our commitment to excellence is reflected in the feedback we receive every day.

❓ Frequently Asked Questions

What types of insurance does St. Andrews Insurance Agency, Inc. offer?

The agency offers auto, homeowners, flood, renters, condominium, personal umbrella, life, health, disability, long-term care, boat, RV, motorcycle, ATV, business insurance (BOP, liability, property), and specialty coverage for farms, vacant land, collectibles, and short-term rentals.

Do they provide free insurance consultations?

Yes, free consultations are available to review your current policies, explore coverage options, and identify potential savings.

Are online quotes available?

Yes, you can request a free online quote through their website or by calling the office directly.

Do they assist with insurance claims?

Yes, the agency offers dedicated claims assistance to help clients file and manage claims efficiently.

Is St. Andrews Insurance Agency, Inc. an independent broker?

Yes, they are an independent insurance broker representing multiple carriers, allowing them to offer unbiased, competitive options.

What areas do they serve?

They serve the Florida Panhandle and are licensed to operate throughout the state of Florida.

Editorial review: April 9, 2026 — Sources: standrewsins.com, allbiz.com, chamberofcommerce.com, 1800insurance.com, insurancedirectory.com. If you notice any inaccurate data, please report it.