PENSACOLA, FL
Pensacola, FL
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Homeowners & Auto Insurance Policies For Pensacola, FL

Bay Insurance Agency, Inc. is proud to serve the residents of Pensacola, FL. While many people think of the Florida Panhandle as a tourist destination, the region is home to well over 1 million people. These residents are able to enjoy the white sandy beaches, restaurants, bars and attractions year-round. Unfortunately, the area is also prone to tropical storms and hurricanes, which is why it is important to have the proper auto insurance for your vehicle. 

Call Today for Auto Insurance 

Having an quality auto insurance policy is important as it will cover you, your car, and others involved in an accident. This insurance is mandatory in every state. However, the laws involving insurance vary.  There are a variety of things that may impact your auto insurance premium including they type of car, the age of the driver, location, safety features, and more. This helps determine how likely someone is to file a claim and how much the insurance company will need to pay out.  

Even if you are satisfied with your auto insurance already, you should still give our team a call to see if you can be saving money. Our agents will compare companies and find you the best possible coverage for your needs and budget.

Let us help you make sure your vehicle is properly insured when the next storm hits. Contact us for more information about auto insurance in Pensacola, FL today.

Do I Need Homeowners Insurance?

You can never be truly prepared for what will happen in life. That is why it is important to have insurance policies in place to cover you from the unknown. At Bay Insurance Agency, we offer quality homeowners insurance policies that will cover your home and your belongings inside of it in the event of theft or disasters. Most homeowners insurance policies protect against fire, wind storms, hail, lightning, smoke, explosion, theft, vandalism, and more. Many do not cover earthquakes, floods, power failure, war, or intentional damage, however. Homeowners insurance will also cover you in the event that someone injures themselves at or around your house.


Unless you have paid off your mortgage and outright own your house, it is likely that you are obligated to hold homeowner's insurance. Lenders typically make this a requirement in order to protect their investment. Many banks will even request proof that an adequate policy is place. You may find that your monthly homeowners insurance payment is bundled in with your mortgage, giving the lender control over the process. In this type of situation, your bank will take part of that money and hold it in an escrow account until the bill for the insurance comes due. Lenders even have the right to purchase coverage and charge you for it should you be resistant to taking out a policy on your own. This is not ideal, however, as you will have no say in the type of plan you receive or the rate you pay for it. Put the power into your own hands by visiting Bay Insurance Agency today and speaking with our knowledgeable agents about the best homeowners insurance options for your needs.


If you are looking for a quote for the Pensacola, FL area, contact our team today. 

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