The Local Agency
Florida's Gulf Coast Trusts
From auto and home to business, flood, boat, and life. Protecting the families and communities of Bay & Gulf County with the independence, honesty, and service this coast deserves.
Insurance guidance rooted
in real relationships.
Founded in 2013, Daffin Insurance Services is an independent Florida insurance agency serving Panama City, Port St. Joe, Bay County, and Gulf County. We are not limited to one company or one option. We compare coverage across top-rated carriers so you can make confident, informed decisions.
Coverage for Every Aspect of Florida Life
Home
Homeowners, flood, condo & renters
Auto
Car, motorcycle, RV & boat
Business
BOP, liability & commercial auto
Life
Term, whole & final expense
Umbrella
Extra liability & peace of mind
Flood
NFIP & private flood options
What Our Neighbors Are Saying
Trusted by families and businesses across Bay & Gulf County since 2013.
Daffin Insurance has been nothing short of amazing. They found us better home coverage at a lower rate than we had been paying for years. Local, honest, and genuinely helpful.
When our business needed commercial coverage quickly, Daffin came through same day. Real people, real answers. I would not trust anyone else with our Gulf County business insurance.
After Hurricane Michael I needed flood and wind coverage fast. Daffin walked me through every option with patience and zero pressure. They truly care about this community.
Read more reviews from your Gulf Coast neighbors on Google.
Read Our Google ReviewsProud to Serve Bay & Gulf County
From Panama City to Port St. Joe and throughout Florida’s Forgotten Coast.
Panama City Office
Serving Panama City, Bay County, and surrounding communities since 2013 with personalized insurance solutions and genuine local expertise.
Meet the Bay County TeamPort St. Joe Office
Serving Port St. Joe, Gulf County, and the Forgotten Coast with the same commitment to honest service and real community connection.
Meet the Gulf County TeamOne form. One business day.
Real coverage guidance.
Whether you’re buying a home, protecting a boat, opening a business, or planning for the future, we’re here to help you get it right.