St. Andrews Insurance Agency, Inc

St. Andrews Insurance Agency, Inc St. Andrews Insurance Agency is your source for auto, home and condo insurance in Panama City and across the Florida Panhandle.

The mission of St Andrews Insurance is to provide our clients with products that address the evolving needs of our coastal community. In the ever changing insurance marketplace, our competitive advantage comes from our ability to maintain relationships with strong carriers having proven track records, as well as developing bonds with emerging carriers who offer fresh options and a commitment to th

e Florida consumer. At St Andrews Insurance we have an option for almost every risk, but more importantly, we strive to meet the needs of our clients by listening and then responding with competent, sound recommendations.

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, r...
09/07/2026

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, restful break.

Please note that our office will be closed on Monday, September 7th, in observance of the holiday, and will reopen on Tuesday, September 8th.

Before the school year gets fully underway, now is a great time to help students brush up on safe ways to get to and fro...
09/01/2026

Before the school year gets fully underway, now is a great time to help students brush up on safe ways to get to and from school. Our team at St. Andrews Insurance wants to help families across Panama City, Santa Rosa Beach, and the Florida Panhandle stay protected every day.

Walking to school?
• Use sidewalks when available
• Cross only at crosswalks
• Make eye contact with drivers before crossing
• Walk in groups when possible

Riding a bike?
• A properly fitted helmet is essential
• Ride on the right side of the road with traffic
• Stop completely before crossing streets
• Choose routes with light traffic and fewer intersections

Taking the bus?
• Stand at least 6 feet back from the curb
• Wait for the bus to stop fully before boarding
• Never cross in front of or behind the bus without eye contact with the driver

Getting dropped off?
• Follow school zone speed limits
• Stick to your school’s drop-off procedures
• Never pass a bus that is loading or unloading children

Teen drivers?
• Review safe driving basics
• Ensure everyone wears a seatbelt
• Put phones and devices away
• Obey posted speed limits

As families settle into new routines, we’re here to support you with guidance and coverage you can count on. If you have questions about personal insurance or would like to review your policies, our team is always here to help.

Every jobsite represents major investment and weeks of hard work, and keeping that progress protected matters just as mu...
08/19/2026

Every jobsite represents major investment and weeks of hard work, and keeping that progress protected matters just as much as the building itself. With construction equipment theft costing the industry more than $1 billion each year and recovery rates staying low, strong site security is more important than ever.

Swipe through for practical steps your team can use to reduce theft, prevent delays, and keep your project moving.

While added security can lower the likelihood of a loss, it can’t remove the risk entirely. That’s why having the right construction insurance in place is essential. At St. Andrews Insurance, we help businesses across Panama City, Santa Rosa Beach, and the Florida Panhandle find coverage that truly protects their operations.

If your team needs support reviewing or updating your business insurance, we’re here to help.

Underwriting plays a major role in helping our team deliver the right coverage for families and businesses across the Fl...
08/12/2026

Underwriting plays a major role in helping our team deliver the right coverage for families and businesses across the Florida Panhandle. A clear, consistent process helps us move quickly, set expectations, and keep submissions on track.

If you're discussing coverage options with clients, feel free to use this as a quick reference. And if you ever need help navigating underwriting or exploring insurance solutions in Panama City or Santa Rosa Beach, our team at St. Andrews Insurance is always here to support you.

Have questions? Let us know—we're happy to help.

With a new school year on the horizon, it’s a great time for families to revisit student insurance needs. From personal ...
08/11/2026

With a new school year on the horizon, it’s a great time for families to revisit student insurance needs. From personal belongings to liability protection, making sure everything is up to date can go a long way in keeping students protected while they’re away at school.

Our team at St. Andrews Insurance in Panama City is here to help Florida Panhandle families review their coverage and understand what may need to be added or adjusted.

Curious which policies matter most for students? Take a look through our tips and let us know what questions come up.

If you’d like help reviewing your current insurance plan, we’re here and ready to talk.

Back-to-school season is here, and for many families that means quieter mornings and a fresh routine. As your kids settl...
08/06/2026

Back-to-school season is here, and for many families that means quieter mornings and a fresh routine. As your kids settle in, this is a great time to make sure your insurance coverage is still the right fit for your home, vehicles, and everything your family relies on.

Our team at St. Andrews Insurance is here to help families throughout Panama City, Santa Rosa Beach, and the Florida Panhandle review their policies and stay protected through every season.

If you have questions or need support, we’re always just a call away.

Construction work comes with a lot of moving parts, and so do the risks that come with it. Our team knows how important ...
08/05/2026

Construction work comes with a lot of moving parts, and so do the risks that come with it. Our team knows how important the right construction insurance is for protecting your crews, your equipment, and your bottom line across the Florida Panhandle.

From subcontractor liability to post-project claims, having a clear understanding of your coverage can make all the difference. Here are a few areas where contractors often see gaps:
- Incomplete general liability protection
- Missing coverage for tools, equipment, and materials
- Limited or outdated workers’ compensation policies

If you’re expanding your operation or just want to be sure your policies still fit your business, we’re here to help you build a stronger coverage portfolio. Reach out anytime to connect with St. Andrews Insurance.

Running a business in the Florida Panhandle means juggling plenty of responsibilities — and protecting your operations f...
08/04/2026

Running a business in the Florida Panhandle means juggling plenty of responsibilities — and protecting your operations from the unexpected is one of the most important. That’s where a commercial umbrella policy can make a real difference.

Our team at St. Andrews Insurance breaks down how this added layer of coverage works and when it can help safeguard your business in Panama City, Santa Rosa Beach, and beyond.

Swipe to learn more and see if it’s the right fit for your risk protection strategy.

Want to talk through your options? We’re always here to help you find the right business insurance coverage for your needs. Give our office a call anytime.

Ever loan your car to a friend or borrow someone else’s ride and wonder whose insurance steps in if something goes wrong...
07/21/2026

Ever loan your car to a friend or borrow someone else’s ride and wonder whose insurance steps in if something goes wrong? It’s a common question we hear at St. Andrews Insurance.

In most cases, auto insurance follows the vehicle — not the driver. That means the car owner’s policy is usually the first to respond if an accident happens. But there are situations where the driver’s policy comes into play, too.

Understanding how coverage works can help you avoid surprises. If you’re unsure how your policy applies or want our team to review your auto insurance, we’re always here to help. Our independent agency proudly supports families across Panama City, Santa Rosa Beach, and the Florida Panhandle.

Have questions? Drop them in the comments or reach out anytime.

Summer is in full swing here in the Florida Panhandle, and we just wanted to check in and say hello from the St. Andrews...
07/15/2026

Summer is in full swing here in the Florida Panhandle, and we just wanted to check in and say hello from the St. Andrews Insurance team.

Whether you’re enjoying beach days in Panama City or catching a breeze in Santa Rosa Beach, we hope you’re finding time to relax and make the most of the season.

If you need support with personal insurance or business insurance as we head toward the end of summer, our independent insurance agency is always here to help. Feel free to reach out if you need guidance, quotes, or a quick review of your Florida insurance coverage.

How are you spending these sunny days?

Address

1742 W 15th Street
Panama City, FL
32401

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

(850) 785-2383

Website

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