Business Details
27 Years
experience
Top-Rated Coastal Property Insurance Solutions
Founded in 1999, Coastal Insurance is the leading independent insurance agency serving Okaloosa and Walton Counties in Florida. With over 25 years of expertise, we specialize in providing comprehensive property insurance solutions for homeowners, condo owners, businesses, and high-value properties along the Gulf Coast. Our team of seasoned professionals represents more than 15 A-rated insurance carriers, ensuring clients access to competitive rates and tailored policies. We maintain strong relationships with local realtors, lenders, and builders to facilitate seamless transactions for new construction and purchases.Our commitment to exceptional customer service is evidenced by our prompt response times, personalized guidance, and educational approach to insurance literacy. As the largest domiciled agency in Destin, we combine local market knowledge with nationwide resources to protect our clients' most valuable assets against hurricane risks and other coastal challenges.
Services
Home Insurance
Flood Insurance
Hurricane Insurance
Auto Insurance
Commercial Insurance
Condo Insurance
Watercraft Insurance
Contractors Insurance
Bond Coverage
Liability Insurance
Details
- Year established: 1999
Highlights and features
- Established in 1999 with 25+ years of coastal insurance expertise
- Represent 15+ A-rated insurance carriers for maximum coverage options
- Specialized knowledge of Okaloosa and Walton County insurance regulations
- Award-winning flood insurance agency recognized by FEMA
- Dedicated team approach with separate service and sales departments
Associations and certifications
- FEMA
- Acentria Insurance Company
What people say
Exceeded expectations
Treat clients like family
Reliable with competitive rates
5 STAR experience
A+ customer service
Services
Home Insurance
Customized home insurance solutions protecting residential properties against hurricanes, floods, and other coastal risks. Our independent agency compares policies from top-rated carriers to find optimal coverage for primary homes, vacation properties, and rentals. Clients benefit from personalized service and competitive rates backed by decades of local market expertise.
Flood Insurance
Specialized flood insurance programs meeting FEMA requirements for Gulf Coast properties. As the nation's top flood insurance provider, we offer comprehensive coverage through the National Flood Insurance Program and private carriers. Clients receive accurate flood zone determinations and tailored risk mitigation strategies from our certified specialists.
Hurricane Insurance
Comprehensive hurricane coverage addressing coastal property risks through tailored policy packages. Our experts help clients navigate wind, water, and storm surge protections while explaining deductible structures specific to Florida's hurricane-prone regions. We maintain strong carrier relationships to secure proper coverage at competitive rates for high-value coastal homes.
Auto Insurance
Auto insurance policies covering Florida drivers with options for liability, collision, and comprehensive protection. Our independent specialists compare rates across multiple carriers to find cost-effective solutions for standard vehicles, luxury cars, and classic automobiles. Clients receive personalized guidance through coverage options and policy customization.
Commercial Insurance
Tailored commercial insurance packages protecting local businesses from property damage, liability claims, and operational disruptions. Our specialists address industry-specific needs for coastal businesses through property, general liability, and business interruption insurance. We leverage relationships with multiple carriers to find comprehensive coverage at competitive rates for small to mid-sized enterprises.
People
Grant Blackwell
Executive Vice President
With over 25 years in coastal insurance, Grant Blackwell brings unparalleled expertise in Florida property coverage. Recognized as the Emerald Coast's leading insurance professional, he specializes in explaining complex coverage options clearly and securing optimal protection for high-value properties.
Robert Klauder
General Manager & Agent
Robert Klauder oversees daily operations while maintaining active client relationships. His extensive knowledge of Florida insurance regulations ensures clients receive accurate guidance through complex policy requirements and coverage options for both residential and commercial properties.
Jessica Millsaps
Sales Team Lead
As sales team leader, Jessica Millsaps specializes in finding competitive insurance solutions while maintaining personal client relationships. Her focus on customer advocacy helps clients navigate coverage options and secure proper protection through multiple carrier options.
Tirah Chitty
Account Manager
Tirah Chitty provides dedicated account management for Rosemary Beach properties. With years of experience in coastal insurance, she offers personalized service and persistent advocacy when securing favorable rates and handling policy adjustments for homeowners in premium locations.
Brian Hill
Client Services Director
Brian Hill leads client services ensuring consistent quality across account management teams. His leadership maintains the agency's high service standards through efficient claims support, policy administration, and staff development focused on continuous improvement in client interactions.
Questions
What areas do you service?
We serve Okaloosa and Walton Counties including Destin, Miramar Beach, Rosemary Beach, Sandestin, Seaside, and surrounding Gulf Coast communities.
How do I file a claim?
Contact our Claims Department directly or use our online directory. Your assigned agent will guide you through documentation requirements and coordinate with carriers.
What insurance types do you offer?
We provide home, auto, flood, hurricane, commercial, condo, watercraft, contractors, bonds, and liability insurance through multiple carriers.
Do you offer 24/7 support?
While our office hours are Monday-Friday 8:30 AM-4:30 PM, we provide emergency contact options for urgent claim situations after hours.
How can I get a quote?
Request quotes online for home, condo, or auto insurance. Our specialists will compare options from multiple carriers to find your best match.
Are you affiliated with any major insurance groups?
We're independently owned and part of Acentria Insurance Company, with access to numerous A-rated carriers for comprehensive coverage options.
Reviews (7)
Kim-Uyen Bui
Dec 31, 2021
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Jessica Millsaps went above and beyond to acquire home coverage for this property. She worked very late to help close this on 12/31/21. She is extremely professional and responsive.
Katelyn Merricks
Jul 22, 2021
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Richard helped me get a great rate for my medical, dental and Life insurance! The service was quick and I was treated with the utmost kindness! A big thanks to Coastal!
E. Ilk
Jun 15, 2021
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Positive:Quality,Responsiveness,Value
Very easy, fast quote and underwriting. Ms Amy was very helpful and professional. Highly recommended
Very easy, fast quote and underwriting. Ms Amy was very helpful and professional. Highly recommended
Robert DeBerry
Apr 26, 2021
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Positive:Professionalism
Great Company! Highly Recommended! They had answers for all my questions. I will definitely work with them in the future.
Great Company! Highly Recommended! They had answers for all my questions. I will definitely work with them in the future.
Michele
Feb 17, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Ive had a very good experience with Coastal. Theyre very quick to respond and take care of anything I need. I would highly recommend them.
Ive had a very good experience with Coastal. Theyre very quick to respond and take care of anything I need. I would highly recommend them.
Renee West
Dec 29, 2020
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We just closed on a beach front condo in Panama City Beach, Florida. We reviewed several insurance companies, including customer reviews and the BBB. We feel we got good coverage for a competitive price. They were responsive and answered questions we had. We hope we never have to make a claim, but we feel confident if we should make a claim they will pay accordingly.
Marlie Armdz
Nov 26, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
Answered all our questions promptly. Wrote all our policies before the deadline. A big thanks to Jessica and her team for getting us squared away.
Answered all our questions promptly. Wrote all our policies before the deadline. A big thanks to Jessica and her team for getting us squared away.
