Business Details
44 Years
experience
Your Trusted Insurance Partner in Destin & Ft. Walton Beach, FL
Norton Insurance of Florida has served families and businesses across Destin, Fort Walton Beach, and the Emerald Coast for over 40 years. As a locally owned independent agency, we specialize in personalized insurance solutions tailored to Florida's unique risks, including hurricane and coastal property protection. Our team leverages decades of experience and partnerships with 100+ top-rated carriers to deliver comprehensive coverage and competitive rates.We prioritize building lasting client relationships through expert guidance, prompt claims assistance, and community engagement initiatives supporting local youth and nonprofits. Our third-generation family ownership ensures a commitment to transparency, ethical practices, and client-centric service that extends beyond standard insurance offerings.
Services
Homeowners Insurance
Auto Insurance
Flood Insurance
Business Insurance
Commercial Property
General Liability
Workers Compensation
Professional Liability
Commercial Auto
Cyber Liability
Details
- Year established: 1982
Highlights and features
- We offer 40+ years of Florida-specific insurance expertise addressing coastal risks
- Our agents live and work in the communities we serve
- We provide access to 100+ top-rated insurance carriers for competitive pricing
- Our team includes specialists in commercial, home, and auto insurance
- We maintain strong industry partnerships for comprehensive coverage options
What people say
Fast and timely responses
Great experience and service
Top-notch customer support
Competitive rates secured
Knowledgeable and efficient agents
Services
Homeowners Insurance
Protect your Florida home against storms, theft, and liability risks with customized coverage plans. Our specialists address coastal property challenges, offering flood insurance options and high-value home protection up to $15 million. We compare multiple carrier rates to ensure comprehensive protection at competitive prices while maintaining personalized service through local claims assistance.
Commercial Property Insurance
Safeguard business assets against fire, theft, and natural disasters with tailored commercial property coverage. Our experts address Florida's unique market conditions, including reinsurance cost impacts and coastal risks. We provide solutions for equipment, inventory, and structures while maintaining relationships with exclusive carriers to secure competitive pricing for growing businesses.
General Liability Insurance
Protect your business from lawsuits and property damage claims with customized liability coverage. Our agents evaluate industry-specific risks to create policies covering legal defense costs, settlements, and property damage. We offer flexible rating options based on revenue, payroll, or property area while providing guidance on policy exclusions and subcontractor requirements.
Flood Insurance
Secure essential flood protection for homes and businesses in designated flood zones. Our specialists explain coverage options for building structures and personal property, including replacement cost and excess coverage. We provide flood zone assessments and help clients understand policy details while offering competitive rates through multiple carrier partnerships.
Workers Compensation
Ensure workplace injury protection with compliant workers' compensation policies. Our commercial team provides coverage for medical benefits, wage replacement, and rehabilitation services while maintaining relationships with carriers serving Florida's high-risk industries. We assist with policy customization based on business size and industry requirements.
People
Dan Jones
President
President with decades of insurance expertise, specializing in commercial coverage solutions for Florida businesses. Committed to personalized client service and community engagement through local youth sponsorships.
Karen Jones
CEO
CEO overseeing agency operations with a focus on maintaining family-owned business values. Actively involved in community development initiatives and strategic carrier partnerships for comprehensive coverage options.
Christine Hall
Commercial Lines Account Manager
Commercial insurance specialist with extensive experience in business risk assessment and policy customization. Provides tailored coverage solutions for contractors, professionals, and small businesses across the Emerald Coast.
Jenny Sumblin
Manager
Personal lines manager offering homeowners and auto insurance expertise. Focuses on educating clients about coverage options while maintaining strong relationships with top-rated insurance carriers.
Amy Campbell
Personal Lines Account Manager
Personal insurance specialist assisting clients with home, auto, and flood coverage needs. Provides detailed policy explanations and comparative rate shopping to ensure optimal protection at competitive prices.
Questions
What Florida-specific risks does Norton Insurance address?
We specialize in coastal property protection, hurricane preparedness, and flood insurance solutions tailored to Florida's unique climate and regulatory environment.
How can I lower my insurance premiums?
We help identify cost-saving opportunities through deductible adjustments, multi-policy bundling, and carrier comparisons while maintaining appropriate coverage levels.
What business insurance coverages are essential for Florida companies?
General liability, commercial property, and workers' compensation form core protections, with additional options for cyber liability, professional errors, and commercial auto coverage.
Do you offer high-value home insurance options?
Yes, we provide specialized coverage for properties valued up to $15 million, addressing unique coastal construction requirements and luxury home protection needs.
How does your claims process work?
Our local agents provide direct support throughout the claims process, maintaining communication with policyholders and adjusters to ensure timely, fair resolutions.
Can you help with commercial insurance for growing businesses?
We offer scalable coverage solutions that evolve with your business, including bonding programs and specialized policies for contractors and professional services.
