Coverage for the Coast You Love
Gulf Breeze Insurance Group helps families and businesses across the Emerald Coast find the right coverage for coastal living. From hurricane and flood protection to everyday auto and life insurance,...
Your Neighbors in Insurance
Protecting Gulf Coast families and businesses since 2011.
Coastal Specialists
We live here too. Our agents understand hurricane deductibles, flood zones, and wind coverage because we insure our own homes the same way.
Best Rates Guaranteed
As an independent agency, we compare rates from multiple carriers to find you the right coverage at the best price. No captive carrier limitations.
Claims Champions
When a storm hits, we go to work for you. Our agents advocate for every dollar of your claim and stay with you through the entire process.
Hurricane Season Checklist
Six steps every Gulf Coast homeowner should take before June 1st.
Review Your Policy
Confirm your hurricane, flood, and wind coverage limits before storm season starts June 1st.
Document Your Property
Take photos and video of every room, including valuables, appliances, and structural details.
Know Your Deductibles
Hurricane deductibles are separate from standard deductibles. Know what you'll owe.
Prepare an Emergency Kit
Water, flashlights, batteries, medications, copies of insurance documents, and a go-bag.
Protect Your Home
Install hurricane shutters, trim trees, secure outdoor furniture, and reinforce garage doors.
Have a Claims Plan
Save your agent's number, know how to file a claim, and keep your policy number handy.
Insurance Solutions
Coverage built for the realities of coastal Florida living.
Homeowners Insurance
Protect the home you've built on the coast. We pair the right carrier with your property's unique risks, from wind to water.
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Auto Insurance
Solid auto coverage for Gulf Coast drivers. We find the best rates across multiple carriers so you're covered without overpaying.
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Hurricane & Windstorm Insurance
Pensacola knows hurricanes. We build wind and storm coverage that actually holds up when you need to file a claim.
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Flood Insurance
Flood zones cover most of the Gulf Coast. We find NFIP and private flood options to protect your property from rising water.
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Commercial Property Insurance
Protect your Gulf Coast business from storms, liability, and downtime. Coverage built for the realities of operating on the coast.
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Life Insurance
Give your family financial security no matter what. Term and permanent life options from carriers you can count on.
Learn more →What Our Clients Say
Hear from families and businesses across the Emerald Coast.
“After Hurricane Sally, our agent was on the phone with us walking through the claims process before the water even receded. They fought for every dollar of our claim and we were back in our home months ahead of our neighbors.”
“We PCS'd to NAS Pensacola and needed Florida coverage set up before we even arrived. They had everything ready, coordinated with USAA, and we closed on our VA loan right on schedule.”
“Found out our old policy didn't actually cover flood in our zone. Gulf Breeze Insurance got us proper NFIP coverage and a private policy for the gap. Saved us from a very expensive lesson during the next tropical storm.”
Areas We Serve
Trusted coverage across 10 Emerald Coast communities.
