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.

With summer home-improvement projects top of mind for most, I wanted to reach out with a couple of upgrades you can cons...
06/01/2026

With summer home-improvement projects top of mind for most, I wanted to reach out with a couple of upgrades you can consider adding to your to-do list this season. Proactive maintenance and targeted upgrades can improve comfort and property value while reducing energy costs and even insurance claims.

Swipe for a few key home prep tips to consider this summer.

Preparing now can help protect your home, reduce insurance exposure, and improve long-term value. If you need recommendations for trusted local service providers, want tailored advice on prioritizing improvements that provide a strong return on investment (ROI), or just have a question, feel free to reach out. We’re here to help!

Summer is one of the busiest travel seasons of the year. It’s also one of the most unpredictable. Over the past year, fl...
05/26/2026

Summer is one of the busiest travel seasons of the year. It’s also one of the most unpredictable.

Over the past year, flight cancellations and long delays have become far more common. That’s where travel insurance comes in.

Travel insurance can help protect your trip when the unexpected happens. There are a number of issues that can derail travel plans, but coverage may help by:

🔹Reimbursing non-refundable expenses if a trip is canceled.
🔹Covering costs tied to flight delays like hotel stays, meals, and transportation.
🔹Helping to offset the cost of purchasing essentials if your baggage is lost or delayed.
🔹Providing coverage for medical emergencies while traveling.
🔹Offering emergency evacuation coverage, in certain cases.

No one wants their travel plans disrupted, so having coverage in place can make those situations easier to manage if they arise. And in the meantime, the right travel insurance lets you focus on enjoying your trip rather than worrying about delays and unexpected extra costs.

Have an upcoming summer trip and want to review your travel insurance options? Our team is here to help. Give us a call today!

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made...
05/25/2026

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made the ultimate sacrifice to protect our country and preserve our freedom.

Please note that our office will be closed on Monday, May 25th, in observance of Memorial Day. We will resume normal business hours on Tuesday, May 26th, and will respond to any messages received during the closure as promptly as possible.

Wishing you a respectful and meaningful Memorial Day.

As life insurance agents, we are often asked about the different types of riders individuals can add to their life insur...
05/19/2026

As life insurance agents, we are often asked about the different types of riders individuals can add to their life insurance policies. Life insurance riders are additional layers of coverage that can help you customize your coverage so it aligns more closely with your needs.

One such rider is the Return of Premium (ROP) rider. Swipe for an overview of what it does, why it matters, how it works, and who it may be best for.

Have questions or want to see what it might look like for your policy? Reach out. We’re here to help you review your options and plan with confidence.

Summer calendar filling up? Before the weekends start flying by, it’s worth doing a quick summer “toys” insurance check ...
05/19/2026

Summer calendar filling up? Before the weekends start flying by, it’s worth doing a quick summer “toys” insurance check to ensure your summer adventures don’t come with an expensive surprise. Swipe to see which coverages are best for some common summer rides.

Not sure you’re fully covered ahead of this summer? Call our office today. We’re here to help you enjoy a stress-free, adventure-filled summer!

With summer on the horizon, now is a good time to check in on your heat-safety practices to ensure your team stays safe ...
05/13/2026

With summer on the horizon, now is a good time to check in on your heat-safety practices to ensure your team stays safe in hotter conditions. Heat-related illnesses, such as heat stroke or heat exhaustion, can have serious consequences.

Swipe for a few key heat-safety measures you can take to help ensure your team stays safe as temperatures start to climb.

These tips can help keep your team safe and help avoid heat illness this summer. However, if something were to go wrong, having the right commercial coverage can help make sure you and your team are adequately protected.

That’s where we come in. If you have questions about your current coverage or would like to schedule a review, don’t hesitate to reach out.

With summer event season coming up fast, you may notice your clients requesting more coverage for concerts, festivals, a...
05/12/2026

With summer event season coming up fast, you may notice your clients requesting more coverage for concerts, festivals, and one-off hospitality events.

Given that, we wanted to remind you that regardless of whether you’d like assistance getting these lines placed quickly, communicating with clients about coverage for summer events, or just a second set of eyes on a risk, we are here to help.

If anything comes up for you this summer, don’t hesitate to give the team a call.

If you own a vintage, antique, or collector vehicle, then you might be wondering what sort of auto policy you’ll need to...
05/12/2026

If you own a vintage, antique, or collector vehicle, then you might be wondering what sort of auto policy you’ll need to protect your investment. A regular auto policy will not adequately protect your investment, meaning that dedicated classic car coverage is needed to protect your vehicle. Swipe for more details.

If you’re looking to purchase classic car coverage for a vehicle or if you’d like to layer on helpful extras to an existing policy, don’t hesitate to reach out. We are here to help make sure your investment is fully protected.

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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