Affordable Home Insurance
  • Business
  • Home
  • Auto
  • Life
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Affordable Home Insurance

Independent Insurance Agent in Destin, FL

About us

Our name is our Motto - Affordable Home

Affordable Home Insurance is an independent agency which represents virtually ALL the homeowners carriers in the region. We strive to bring you the most competitively priced option, for your home insurance needs, as well as other major coverage areas.

If your carrier increases your rates, simply call us and we will "shop" to find alternate carriers options. Unlike some local agents, we represent almost all the available home owners carriers and ADD carriers very frequently.

We are headquartered in Panama City, and Miramar Beach, Florida. We are owned by the BRP Group, and offer an expansive group of quality insurance providers. Our offices serve, Destin, Miramar Beach, Santa Rosa Beach, Grayton Beach, 30A, Inlet Beach, Gulf Breeze, Panama City Beach, Panama City, Crestview, Pace, Navarre, Blue Water Bay, Fort Walton Beach, Niceville, Pensacola, and Freeport, Florida. We help empower people to live their lives with fewer worries about rising home insurance costs by offering valuable coverage and superior, hassle-free service that meet our customers' ever changing needs.

Personal and Commercial Lines insurance professionals

Ask me about these types of insurance...

Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Why choose Affordable Home Insurance

States we serve

  • Florida
  • North Carolina

Our insurance coverages

Personal insurance coverage

  • ATV
  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Flood
  • Health
  • Home
  • Identity Fraud
  • Landlord
  • Motorcycle
  • Other
  • Personal Watercraft
  • RV / Motorhome
  • Renters
  • Short-Term / Sharing
  • Special Event
  • Umbrella
  • Vacant Land
  • Valuable Items

Business insurance coverage

  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Directors & Officers
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Life & Annuties coverage

  • Life

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Agriculture, Forestry, Fishing and Hunting
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Mining, Quarrying, and Oil and Gas Extraction
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

AIG Insurance Company, American Integrity Insurance, Auto-Owners Insurance Company, Bankers Insurance Group - FL, Beazley Insurance Company, Berkshire Hathaway Insurance Company, Bristol West Insurance Company, Capitol Preferred Insurance Company, Centauri Insurance, Chubb, Edison Insurance, FedNat, Fidelity National Insurance Company, First Protective Insurance Company, Florida Family Insurance, Florida Specialty Insurance, Frontline Insurance, Gulfstream Property and Casualty, Hagerty, Heritage Insurance Company, Hiscox Ins Co Inc., Johnson & Johnson Insurance, Lexington Insurance Co, Lighthouse Property Insurance, Lloyd's, Markel Specialty, Mercury Insurance Group, Neptune Flood, Olympus Insurance Company, PURE, Palomar Specialty Insurance, People's Trust Insurance, Prepared Insurance Company, QBE Insurance Corporation, SageSure Insurance, Security First Insurance Company, Southern Fidelity Insurance, Southern Oak Insurance, St. Johns Insurance, Tower Hill Preferred, TypTap Insurance, UPC Insurance, United Home Insurance, United States Liab, Universal North American, Universal Property & Casualty Insurance, Velocity Risk Underwriters, Western World Insurance, Windhaven Insurance, Wright Flood

Affordable Home Insurance Team

Warren Schott
Warren Schott
(850) 654-1567
Johnny Evans - Agent
Johnny Evans
(850) 654-1567
Erin Pender - Agent
Erin Pender
(850) 654-1567
Brett Campbell - Agent
Brett Campbell
(850) 654-1567
Dennis Gagnon Jr
Dennis Gagnon Jr
(850) 654-1567

Affordable Home Insurance Reviews

Average based on 25 reviews Leave a review

Customer Reviews

March 19, 2024

They have been the best supplier of insurance to my past real estate customers and clients in the Florida panhandle! Highly rate them to help you too!

November 29, 2023

Jennie was very helpful and courteous

October 25, 2023

I cannnot speak highly enough about John Evans with Affordable Insurance. I had a challenging situation, and he stuck with me through the whole process.He also kept me well informed, and answered any and all questions i had. Truly remarkable customer service in this day and time.

June 12, 2023

We have been with Affordable Home Insurance ever since we moved to Florida. We are very pleased with their customer service. I just updated both my homeowner policies. With the excellent assistance from Jennie Perry, we got though a lengthy process and made the necessary changes. So, many thank Jennie Perry for guiding us through this process. TWO THUMBS UP!

May 2, 2023

Warren S. is absolutely the best insurance agent. Hands down! I can't say enough about the professionalism, helpfulness and knowledge he has exhibited since we initially signed on using his services three years ago. Absolutely great job every time we have had to call on him and it's just really nice to know that we have an actual agent that does not disappear after helping us with the initial policy but has since been actually easy to call on and actually helps us resolve every single issue that has come up insurance related. Thank you Warren!

April 21, 2023

Affordable Home Insurance was recommended to us for our condo insurance needs in Ft. Walton Beach. We received absolutely first class service all the way! Johnny Evans was efficient, kind and personable and a genuine pleasure to do business with. We highly recommend.

April 18, 2023

Really appreciate the fast service when I needed insurance for new home purchase and FL auto coverage. Phil Jackson at Affordable Home Insurance helped me with everything. So incredibly grateful!

April 3, 2023

After multiple attempts to get information from another source within the company, Judy was able to help me within minutes!

January 5, 2023

I had a lot of questions about my new policy and an increased premium, and Brittany was extremely helpful and patient and kind to explain everything to me! She also put me in touch with my new agent, Ed Wright and he also as extremely informative!!! Since he is a new agent for me, I was quite impressed with his knowledge of what is going on in the state of Florida with the insurance companies and the laws! I have been with this agency for 20 years actually more I think 22 years! Service and attentive to facts as well as changes in the laws are so important! This agency delivers!

November 9, 2022

excellent service


Affordable Home Insurance

Our name is our Motto - Affordable Home