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Florida Panhandle Insurance

Shopping for Florida Panhandle insurance? The Florida Panhandle stretches along the Gulf Coast from Pensacola east to Apalachicola and inland to Tallahassee. Communities on Pensacola Bay, Choctawhatchee Bay, and St. Andrew Bay face real hurricane and storm-surge exposure — Hurricane Michael’s 2018 landfall in Bay County made that clear — while inland towns still see damaging winds and river flooding along the Apalachicola and Choctawhatchee rivers, where NFIP flood coverage often matters.

Cornerstone Insurance is an independent Florida agency that compares quotes from 15-20+ A-rated carriers rather than selling one company’s products. From Pensacola to Tallahassee and every community listed below, we shop homeowners, auto, flood, and umbrella coverage to fit the Panhandle’s wind and flood risks. Start your quote today.

Start comparing Florida Panhandle insurance options with the community links below.

Bay County

Calhoun County

Escambia County

Franklin County

Gadsden County

Gulf County

Holmes County

Jefferson County

Leon County

Liberty County

Okaloosa County

Santa Rosa County

Wakulla County

Walton County

Washington County

New to Florida insurance or shopping a renewal? Read our 2026 Guide to Florida Homeowners Insurance or get a free quote from our team.

Scott W.
We have used Kyle Wilson with Cornerstone Insurance in FL for our homeowners the past 2 years. He has provided excellent customer service for us so when we recently moved we had him quote us with an auto policy. His rates were much better than the other agents we requested quotes from so now have him covering everything for us. We appreciate his quick responses along with his professionalism.
Vanna D.
Kari is super friendly and helpful. She shared information and helpful suggestions freely.
Gillian A.
Excellent!
STEVE H.
KARI TATE WAS PROFESSIONAL AND COURTEOUS IN DISCUSSIONS ABOUT POTENTIAL HOME INSURANCE CONSIDERATIONS.
Kari M.
Jame did a awesome job in getting us placed with a new hoeowners policy on very short notice after our existing policy got non-renewed. He was prompt, efficient, friendly and courteous and got the job done! I would highly recommend him!