Coastal Coverage from Local Experts Who Get Life by the Water
Living in Panama City Beach means ocean breezes, rental properties, golf cart traffic—and a whole lot of moving parts. Whether you’re protecting a beach home, running a small business, or preparing for hurricane season, you need insurance that understands what life really looks like here.
At Peoples First Insurance, we’ve served Bay County residents and business owners for over 100 years, and our Panama City Beach office is here to help you get covered with confidence.
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Why Locals Trust Peoples First Insurance in Panama City Beach
Independent & Local
We compare quotes from multiple carriers to find the best price and fit—without the one-size-fits-all pitch.
Real People, Right Here on the Coast
You’ll work with local agents who know the ins and outs of beach life—not a national call center.
Coverage That Makes Sense for You
From beachfront properties to vacation rentals or golf cart policies, we help tailor coverage to your real-life needs.
We’re Here to Help—Not Just to Sell
We believe in honest advice, not pressure. It’s about what protects you, not what sells fastest.
What Kind of Insurance Do You Need?
Life in Panama City Beach is anything but ordinary. Whether you’re a full-time resident, seasonal homeowner, or business owner along the coast, your insurance should reflect the unique pace and risks of coastal living. Peoples First Insurance makes it easy to get coverage that fits your home, health, vehicle, or venture.
Car Insurance in Panama City Beach
From scenic drives to daily errands, we’ll help you find the right protection for how you get around—cars, golf carts, and everything in between.
Homeowners Insurance in Panama City Beach
Coastal homes and condos face more than just the salt air. Our policies offer protection against storm damage, wind, fire, and theft—tailored to Gulf Coast living.
Health Insurance in Panama City Beach
We offer individual, family, and group health plans with local support and clear answers. Whether you’re self-employed, semi-retired, or just need a new plan, we’re here to help.
Commercial Insurance in Panama City, FL
Whether you run a beachfront café, a fishing charter, or a vacation rental service, we offer coverage that protects your business and your peace of mind.
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Coverage That’ Fits the Way You Live
No two properties, businesses, or lifestyles in Panama City Beach are exactly alike—and your insurance shouldn’t be, either. Our team is here to simplify the process of finding coverage that checks the right boxes—for your home, your health, your business, or all of the above.
Comprehensive Coverage Options for Every Part of Your Life
From everyday protection to industry-specific needs, we offer insurance that adapts to the way you live and work in Florida.
Personal Insurance Coverage in Panama City
Living here means salt air, sunshine, and the need for smart protection. From protecting your home to covering your favorite ways to explore the coast, we’ll help you stay prepared.
- Dwelling Fire Insurance
- Flood Insurance
- Condo Insurance
- Motorcycle & RV Insurance
- Boat & Watercraft Insurance
- Umbrella Policies
- Renters Insurance
Business Insurance Solutions
Local businesses are the heart of Panama City Beach, and we’re here to help protect them. From beachfront boutiques to service-based startups, we’ll guide you to coverage that keeps your operation running strong.
- General Liability & Property Insurance
- Commercial Auto Insurance
- Workers’ Compensation
- Builders Risk & Inland Marine
- Directors & Officers (D&O) Insurance
- EPLI (Employment Practices Liability)
- Business Umbrella Policies
Specialized & Additional Coverages
Not every policy fits in a box. That’s why we offer additional coverage options that go beyond the basics—designed to support your health, protect your loved ones, and even cover your travel plans.
- Vision, Dental & Life Insurance Plans
- Critical Illness Insurance
- Hospital Indemnity
- Pet Insurance
- International Health & Travel Medical Insurance
- Annuities & Medicare Support
Not Sure What You Need? That’s What We’re Here For
Insurance doesn’t have to be confusing—or time-consuming. Our Panama City Beach team is here to walk you through your options, explain the details, and help you make confident, informed decisions.
If you’re weighing your options or starting from scratch, our local team is just a call or click away.
Proudly Serving Panama City Beach & Nearby Communities
Our Panama City Beach office supports coastal communities across the region. From the west end to the marina district, we provide trusted insurance guidance and local support you can count on.
- Laguna Beach
- Sunnyside
- Bid-a-Wee Beach
- West Panama City Beach
- Thomas Drive Area
- Bay County & nearby coastal communities
Visit or Contact Us
Stop by our Panama City Beach office or reach out anytime—we’re here to help however works best for you.
Peoples First Insurance – Panama City Beach, FL
16901 Panama City Beach Pkwy
Panama City Beach, FL 32413
📞 Phone: 850-770-7011
📧 Email: info@pfinsurance.com
Get the Coverage You Deserve—Without the Stress
You shouldn’t have to worry about fine print, confusing options, or cookie-cutter coverage. At Peoples First Insurance, we make sure your policy fits you—your home, your business, your lifestyle.
Let’s get you covered with confidence.