Business Details
27 Years
experience
Your Trusted Coastal Insurance Partner in Miramar Beach
Coastal Insurance has been a trusted name in property and casualty insurance since 1999, specializing in coastal home, auto, and commercial insurance for residents and businesses in Florida's Emerald Coast. Our team of seasoned professionals, led by industry expert Grant Blackwell, brings unparalleled knowledge of hurricane risk management and flood insurance solutions. As an independent agency representing over 15 A-rated carriers, we prioritize personalized service, working closely with local realtors, lenders, and builders to ensure seamless transactions.Recognized by FEMA as the nation's best flood insurance agency, we combine deep local expertise with a commitment to educating clients about risk mitigation. Our office in Miramar Beach serves Okaloosa and Walton Counties, offering free flood zone determinations and competitive rates tailored to individual needs.
Services
Home Insurance
Auto Insurance
Condo Insurance
Commercial Insurance
Hurricane Insurance
Flood Insurance
Watercraft Insurance
Contractors Insurance
Bonds & Liability
Rental Insurance
Details
- Year established: 1999
Highlights and features
- Recognized by FEMA as the nation's best flood insurance agency
- Represent over 15 A-rated insurance carriers for optimal coverage options
- Specialize in hurricane risk management and coastal property insurance
- Provide free flood zone determinations and expert local market knowledge
- Maintain partnerships with realtors, lenders, and builders for seamless service
Associations and certifications
- Federal Emergency Management Agency (FEMA)
What people say
Exceeded my expectations
Treat clients like family
Reliable over the years
5 STAR all the way
A+ customer service
Services
Home Insurance
We provide comprehensive home insurance coverage for primary residences, vacation properties, and rental investments in coastal areas. Our policies protect against hurricane damage, flooding, and other risks unique to Florida's shoreline communities. With access to multiple A-rated carriers, we customize policies to match individual property needs while offering competitive pricing and dedicated claims support.
Flood Insurance
As FEMA's nationally recognized flood insurance leader, we specialize in NFIP-certified policies and private flood coverage options. Our experts assess property-specific flood risks, provide zone determinations, and secure policies that cover structural damage, personal belongings, and business interruptions caused by flooding events in high-risk coastal regions.
Hurricane Insurance
Our hurricane insurance solutions address wind damage, roof replacement, and post-storm recovery needs for Florida coastal properties. We combine traditional property coverage with risk mitigation advice, including building code compliance guidance and deductible management strategies to minimize out-of-pocket expenses during hurricane seasons.
Commercial Insurance
We offer tailored commercial insurance packages for coastal businesses, including property protection, liability coverage, and business interruption policies. Our specialists serve construction firms, hospitality venues, and marine-related enterprises, providing risk assessments and multi-carrier options to protect operations against hurricane impacts and other regional threats.
Auto Insurance
Our auto insurance policies cover personal and commercial vehicles against accidents, theft, and weather-related damage in Florida's coastal zones. We offer competitive rates through multiple carriers, with options for comprehensive coverage that includes hurricane evacuation-related incidents and flood damage protection for vehicles stored in high-risk areas.
People
Grant Blackwell
Executive Vice President
With over two decades of insurance expertise, Grant Blackwell leads Coastal Insurance's strategic direction. He specializes in property and casualty insurance, simplifying complex coverage options for clients while maintaining strong carrier relationships to secure optimal policy terms for coastal property owners.
Robert Klauder
General Manager & Agent
Robert Klauder oversees daily operations and client services at Coastal Insurance. His extensive experience in insurance sales and client relations ensures efficient policy placements and personalized support for both residential and commercial clients across Florida's coastal communities.
Jessica Millsaps
Sales Team Lead
As sales team lead, Jessica Millsaps coordinates insurance solutions for new and existing clients. She focuses on identifying competitive coverage options while maintaining direct communication with policyholders to address evolving insurance needs and ensure satisfaction with service delivery.
Tirah Chitty
Account Manager
Tirah Chitty manages client accounts with emphasis on Rosemary Beach and surrounding areas. She provides policy administration, renewal management, and claims coordination, leveraging local market knowledge to deliver responsive service that consistently exceeds client expectations.
Brian Hill
Client Services Director
Brian Hill leads client service operations, ensuring efficient policy management and claims processing. He supervises account executives to maintain high service standards while implementing procedural improvements that enhance client interactions and policy administration effectiveness.
Questions
What geographic areas do you insure?
We primarily serve Okaloosa and Walton Counties, including Destin, Miramar Beach, and Santa Rosa Beach, with coverage extending to adjacent coastal Florida regions as needed.
Do you offer 24/7 emergency insurance services?
Our office operates Monday-Friday 8:30 AM-4:30 PM. For urgent claims assistance outside these hours, contact our main line for emergency claim reporting options.
How do you help with flood insurance requirements?
We provide free flood zone determinations, FEMA-compliant NFIP policies, and private flood insurance options while offering expert guidance on coastal flood risk mitigation strategies.
What insurance types do you specialize in?
We focus on coastal home, auto, commercial, hurricane, flood, and specialty insurance products tailored to Florida's unique shoreline property risks and regulatory environment.
How do I file an insurance claim?
Report claims through our website's Claims Directory or contact our office directly during business hours. Our team provides step-by-step guidance to complete necessary documentation and expedite processing.
