Panama City, Florida · Serving Northwest Florida
Coverage thatfits your life.
Home, auto, motorcycle, boat and mobile home policies, quoted across several carriers by agents who have worked this coast since 1997. Free quotes, plain answers, and a real office you can walk into.
Since 1997
Same Harrison Avenue office
Independent
We shop multiple carriers
Free quotes
No charge to compare
In person
Walk in and talk to Jack
What we write
Four kinds of coverage, quoted for how you actually live here
We are an independent agency, so we are not stuck selling one company's product. You tell us what you own and how you use it, and we go find the carriers willing to write it at a price that holds up at renewal.
Homeowner Insurance
Panama City homes carry risks that inland policies are not written for: wind, water intrusion, roof age, and the deductible language that decides what you actually collect after a named storm. We read the policy with you before you sign it, compare what several carriers will write on your address, and point out where a cheaper premium is buying a thinner payout.
Ask for a quote
Automobile Insurance
Florida's minimum requirements are not the same thing as being covered. We walk through liability limits, collision versus comprehensive, uninsured motorist, and what happens when the other driver has nothing. If you need an SR-22 or same-day proof for the tag office, say so on the phone and we will get it handled.
Ask for a quote
Motorcycle & Boat Insurance
A boat is rarely covered the way owners assume. Hull value, motor, trailer, on-water towing, and where you are allowed to run all sit in different parts of the policy. Same with a motorcycle: passenger liability and custom parts are usually add-ons. We quote it as you actually use it, on the bay or out past the pass.
Ask for a quote
Mobile Home Insurance
Mobile home coverage in Bay County turns on details other agents skip: the year of the home, the tie-down and anchoring inspection, the roof, and whether the park or the owner insures the lot. Fewer carriers write these policies, so knowing which ones still do is most of the job. We check who will write yours before you waste an afternoon.
Ask for a quoteSince 1997
A local agency, not a call center queue
A Action American Insurance Company has written personal lines out of Panama City since 1997. In that time this coast has been through storms, rebuilds, rising premiums, and carriers pulling out of Florida altogether. Every one of those changes shows up in what your policy costs and what it will actually pay, which is why we go through the renewal with you instead of mailing it and hoping you sign.
When you call the number on this page, you reach the office on Harrison Avenue. Ask for Jack Andrews, bring the declarations page from whatever you have now, and we will tell you honestly whether we can beat it. Sometimes the answer is no. You will hear that too.
Google reviews
4.9 stars from 52 neighbors
These are verbatim reviews from the agency's Google Business Profile. Read the rest on Google, or add yours if we have quoted a policy for you.
5 out of 5 stars
I've been dealing with Jack, owner of A Action American, for about a decade now and he's never left me crying in my soup about what I just paid for insurance. Today I got a friend of mine hooked up with Jack because she was getting ripped off. They were trying to charge her $824 for a six-month state minimum policy and Jack came up with the same policy plus bodily injury and roadside assistance for $282. I cannot recommend it strongly enough.
5 out of 5 stars
I got my first car insured through them over 20 years ago and am still with them today. They are the only agency I have ever used and now my 2 oldest kids are insured through them as well. Can't say enough good things about how helpful, easy, affordable, personable, and all around great people they are. I recommend them highly to everyone I know.
5 out of 5 stars
They have always been friendly with the best prices. But when I had an accident they went out of their way to help me. They could have given me the number to the insurance company and told me to call them. But they didn't. I was having trouble with the other driver's insurance, and they took over for me. Did all the footwork. They really are the best.
5 out of 5 stars
If you have insurance needs, then yes, call Jack. He knows how to find you the best rates around. Jack has been my agent since I moved here years ago. I have to warn you: he is human and you will be dealing with him face to face. Not like the company on the internet where you fill in the boxes and hope you got a deal. Jack shows you the bottom line.
5 out of 5 stars
The entire staff is very sweet and helpful. They are always looking out for their customers and, from my personal experience, always seem to have our backs. My application process was quick, easy and painless. Friendly and helpful staff, they are on top of things, rates that can't be beat, and they will get you insured when others won't.
Companies we work with
We shop these carriers on your behalf
- Assurance America
- Bristol West
- First Acceptance
- Manatee Insurance
- National General
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- St. Johns Insurance
- Tapco
Service area
Bay County and across Northwest Florida
The office sits on Harrison Avenue in downtown Panama City, a few minutes from the courthouse and the tag office, so proof of coverage is easy to sort out the same day. We write policies for households throughout Northwest Florida.
- Panama City
- Panama City Beach
- Lynn Haven
- Callaway
- Springfield
- Parker
- Cedar Grove
- Southport
- Youngstown
- Mexico Beach
Free quote
Call the office and we will price it today
Have your current declarations page handy if you have one, plus the year and make of anything you want covered. That is usually everything we need to quote a home, a vehicle, a boat, or a mobile home while you are on the phone.
Office hours
- Monday, Tuesday, Thursday, Friday
- 9:00 am – 4:30 pm
- Wednesday
- 8:00 am – 12:00 pm
- Saturday & Sunday
- Closed
1106 Harrison Ave, Suite D
Panama City, FL 32401
Get directionsPayment accepted: All major cards, check, and cash.
Contact form
Prefer to send it in writing?
Tell us what you need covered and Jack or someone in the office will get back to you with a quote. Nothing here obligates you to buy a policy.