Gulf Insurance Group shops 12 carriers to find you the best rate. Home, auto, boat, and business insurance — local agents who know the Panhandle.
Get a Free Quote Compare PlansOne agency for all your coverage needs. We shop multiple carriers so you get the best price without compromising protection.
Dwelling, personal property, liability, and flood riders. We write NFIP and excess flood.
Full coverage, liability, uninsured motorist, and rental reimbursement. All vehicle types.
Panhandle specialty. Hull, liability, fishing equipment, and on-water towing.
GL, workers comp, commercial auto, BOP, and professional liability.
Term, whole, and group policies. Annuities and estate planning integration.
ACA-compliant individual and family plans, Medicare Advantage, and supplement.
All plans include local agent support and 24/7 claims filing. Scroll right on mobile to see all columns.
| Coverage Feature | Basic$89/mo | Standard$149/mo | Premium$229/mo |
|---|---|---|---|
| Liability Coverage | |||
| Bodily Injury Liability | $50K | $100K | $250K |
| Property Damage Liability | $25K | $50K | $100K |
| Umbrella Coverage | — | — | ✓ |
| Property Protection | |||
| Actual Cash Value | ✓ | ✓ | ✓ |
| Replacement Cost Coverage | — | ✓ | ✓ |
| Water Backup Coverage | — | ✓ | ✓ |
| Deductibles | |||
| Standard Deductible | $1,000 | $500 | $250 |
| Hurricane Deductible | 5% | 3% | 1% |
| Add-Ons & Extras | |||
| Identity Theft Protection | — | — | ✓ |
| Home Warranty Rider | — | +$18/mo | Included |
| Equipment Breakdown | — | +$12/mo | Included |
| Agent Concierge Support | Business hours | Extended hours | 24/7 |
| Get Quote | Get Quote | Get Quote | |
Select your coverage type and we'll find you the best rate across 12 carriers.
Not a 1-800 number. Real Destin agents who know your neighborhood, your risks, and your needs.
15 years in the Panhandle. Home, auto, and business insurance specialist. Known for finding coverage gaps clients didn't know they had.
Commercial lines expert. Serves restaurants, contractors, and marina operators. Former underwriter — knows exactly how claims get denied.
Most auto and home quotes are ready in under 15 minutes. We compare 12+ carriers to find the best rate.
Yes. We're a certified NFIP write-your-own provider. Also offer excess flood coverage through Lloyd's of London.
Call (850) 555-0199 or file online 24/7. Most claims resolved within 7 days. We assign a dedicated adjuster.
Yes, and you should. Bundling typically saves $300–$600 per year. Same carrier, one renewal date, simpler life.