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Our Mission

Bay County’s Premier Blue Cross Blue Shield Authorized Agency

Peoples First Insurance is your local insurance provider for all your needs including Auto, Home, Condo, Commercial, Health, and Life insurance. Peoples First Insurance has been a local trusted agency for over 100 years. As an independent agency, we do not represent any single insurance company. Instead, we serve our clients first and work as their advocate. We strive to build personal relationships and partnerships with our clients as we help them manage risk. We offer all types of Personal, Commercial, and Health Insurance. Give us a call today and we can help you find a solution to all your insurance needs.



We have excellent rates available through our A+ rated carriers.

Let us find you an auto insurance policy that fits your lifestyle and budget, and don’t forget to ask about safe driving discounts that could lower your monthly premium.

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Your home purchase is an investment deserving protection.

Insure the investment you’ve made with a homeowners insurance policy. Let us assist in you in finding the plan that fits your needs for your home.

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We offer individual health insurance policies as well as group insurance policies for businesses.

Whatever your needs, our knowledgeable Benefits department can assist you in finding plans best fit for individuals, families, and businesses.

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We not only sell commercial insurance policies, we can help safeguard your business from potential threats and risks.

Whether it is insurance for your building, property, equipment, inventory or vehicles, we offer protection products & services fit for any size business.

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Having provided both residential and commercial insurance to us for ten years now, Peoples First Insurance (and especially Danielle Penny) makes the customer feel like they really matter. When dealing with insurance companies for claims, deductions, inspections, and rates, having Peoples First Insurance on your side is the only way to go. They act as a liaison, shop around for the best rates for YOU personally, and most importantly, keep you educated every step of the way. Their office is right down the road, but if you’re like me, you prefer doing most of your business online or through emails and phone calls. Peoples First Insurance thankfully makes this task easy, allowing for you to spend more time doing what you do. Kind of feels like you have a friend who just happens to be in insurance when you are dealing with Peoples First Insurance.

B. BallLynn Haven

Our beach town house was burned to the ground along with 5 others. No injuries and no deaths but my wife and I lost everything including all of my Air Force medals and personal letters from several commanding officers. We rebuilt the unit over a three year period with many setbacks due to new building codes and government reviews at many levels. We are in the beach house now and fully covered for fire, wind and flood insurance thanks to Danielle Penny. She and Peoples First were recommended to me by the wind inspector and was he ever right. Her attention to detail and vast knowledge of the insurance industry let to my wife and I accepting her solutions for wind and fire coverage. I recommended her to our immediate neighbors who were from out of state and they also went with her recommendations. She evaluated our situation and selected the appropriate insurance coverage and subcontracting entity. She did all the electronic processing with outstanding speed. I applaud Penny without reservation. It is a pleasure doing business with her and People First.

N. MorganPanama City Beach

Peoples First Insurance (Cecilia McMahon) has provided outstanding commercial insurance services for Beach Yana Inc., a Florida Non-Profit Organization located in Panama City Beach, Florida. Our Organization has a Club and a House to insure and have been with Peoples First Insurance since 2008! On behalf of Beach Yana Inc., I wish to thank Cecelia McMahon for her service to our Organization. Your dedication and commercial coverage experience is very much appreciated. Thank you!

C. GaminPanama City Beach

We have been using Peoples First Insurance for almost 10 years and we are extremely pleased with their excellent customer service as well as their knowledge of the industry. On several occasions during our insurance needs reviews, they (Janice Griffin) have taken the initiative to change our policy and/or supplier to make improvements. They have been helpful in providing forms needed in order for us to receive cost savings offered for wind and hurricane damage mitigation. When our church needed help in finding a new policy, their specialist in this area met with our leaders and provided very helpful information. Their entire staff are friendly and always make us feel welcome. As a result we usually attend to our insurance needs in person even though we could just as easily do it over the phone.

J. HarveyPanama City

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