Protecting Panama City Homes, Health & Businesses—One Neighbor at a Time
Life in Panama City doesn’t come with a script—from storm prep to spontaneous boat days, you need insurance that fits the way you live. At Peoples First Insurance, we’ve been helping our Bay County neighbors protect what matters for more than 100 years.
We’re proud to be one of the most trusted insurance companies in Panama City, Florida—offering local insight, personal service, and flexible policies for home, health, auto, and more.
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Why Locals Trust Peoples First Insurance in Panama City
Independent & Local
We’re independent—we shop multiple carriers to find the best coverage and rate for you.
Real People, Right Here on the Coast
You’ll work with real people who live and work here in Panama City.
Real People, Right Here
From downtown condos to suburban homes and small businesses, we help customize policies that make sense for your life.
We’re Here to Help—Not Just to Sell
Coverage plans are tailored to your needs, lifestyle, and budget—no one-size-fits-all.
What Kind of Insurance Do You Need?
From commutes along 23rd Street to preparing for unpredictable Florida weather, your coverage should keep up with real life on the Gulf Coast. At Peoples First Insurance, we make it easy to protect what matters most—your vehicle, your home, your health, and your livelihood.
Car Insurance in Panama City, FL
From summer storms to busy tourist traffic, driving around Panama City comes with a few curveballs. Our car insurance plans in Panama City, FL offer protection for your vehicle, passengers, and liability—with flexible options that match how and where you drive. We’ll help you stay protected behind the wheel, wherever the road takes you.
Homeowners Insurance in Panama City, FL
Living on the Gulf Coast means preparing for everything from strong storms to unexpected repairs. Our homeowners insurance in Panama City, FL, is built for life here, covering damage from wind, fire, theft, and more. Whether you’re insuring a primary residence or a vacation property, we’ll help you protect what you’ve worked hard to build.
Health Insurance in Panama City, FL
Finding the right health coverage shouldn’t feel overwhelming. We offer health insurance in Panama City, FL designed for individuals, families, and business owners—covering everything from preventive care to emergency services. You’ll get local guidance and affordable plan options, with support every step of the way.
Commercial Insurance in Panama City, FL
At Peoples First Insurance, we do more than protect homes and vehicles—we support the local businesses that keep Panama City running. From contractors and retailers to nonprofits and professional services, we help owners find insurance that fits the way they operate. Our coverage options include general liability, commercial property, workers’ compensation, and more, backed by local guidance every step of the way.
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Don’t Settle for Generic Coverage—Let’s Personalize It
Your needs are unique, and your coverage should be too. Whether you’re protecting your home, managing a growing team, or planning ahead for your health, our Panama City team is here to make it simple—and make it yours.
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
The right coverage helps you stay ready for the everyday and the unexpected. Whether you’re parking in your own driveway or launching your boat on the bay, we’ll help you protect the things that make life here feel like home.
- Dwelling Fire Insurance
- Flood Insurance
- Condo Insurance
- Motorcycle & RV Insurance
- Boat & Watercraft Insurance
- Umbrella Policies
- Renters Insurance
Business Insurance Solutions
Running a business comes with plenty of challenges—your coverage shouldn’t be one of them. We help small businesses, contractors, nonprofits, and associations across Panama City find commercial insurance that fits the way they work.
- 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
Looking for more than the basics? Our specialized options go the extra mile to protect your people, pets, and plans—at home or abroad.
- 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. At Peoples First Insurance, we walk you through your options in plain language, explain what matters (and what doesn’t), and help you feel confident in your coverage.
If you’re weighing your options or starting from scratch, our local team is just a call or click away.
Proudly Serving Panama City & Nearby Communities
We may be based in Panama City, but our reach extends far beyond city limits. If you live or do business anywhere in Bay County, we’re here to help.
- Lynn Haven
- Callaway
- Parker
- Cedar Grove
- Springfield
- Panama City Beach
- Bay County & beyond
Visit or Contact Us
Stop by our Panama City office or reach out anytime—we’re here to help however it works best for you.
Peoples First Insurance – Panama City, FL
1022 West 23rd Street, Suite 250
Panama City, FL 32405
📞 Phone: 850-770-7047
📧 Email: info@pfinsurance.com
Let’s Get You Covered with Confidence
When it comes to insurance, there’s no such thing as “just in case.” The right policy brings peace of mind today—so you can focus on what matters tomorrow. From your car to your condo to your company, Peoples First Insurance is here to help you get the coverage you need, without the stress.