Frequently Asked Questions 

Bay Insurance Agency FAQs

At Bay Insurance Agency, we understand that navigating the world of insurance can be overwhelming. That’s why we’ve compiled this list of frequently asked questions to help you better understand our services and how we can assist you. Whether you’re in Milton, Pace, Pensacola, or anywhere in Santa Rosa or Escambia County, we’re here to provide you with the answers you need to make informed decisions about your insurance coverage. Let’s dive in!


1. What types of insurance do you offer?

We offer a wide range of insurance options, including auto, homeowners, commercial, boat, and RV insurance. Our goal is to provide coverage that fits your unique needs.


2. Do you provide free insurance quotes?

Yes, we do! You can request a free quote online, over the phone, or by visiting our office in Pace, FL. We’re here to make the process as easy as possible.


3. Why should I choose Bay Insurance Agency?

We’re a family-owned, independent agency with a small-town feel. We work with top insurance providers like Progressive and Dairyland to find you the best rates and coverage.


4. Can you help me find affordable auto insurance?

Absolutely! We specialize in helping safe drivers save on auto insurance. Let us shop around for you to find the best deal.


5. Is homeowners insurance required in Florida?

While it’s not mandated by the state, many homeowners in Milton, Pace, and Pensacola choose to protect their investment with a policy. We can help you find the right coverage for your home and belongings.


6. What does homeowners insurance cover?

Homeowners insurance typically covers your home and belongings in the event of theft, fire, windstorms, hail, and more. We’ll help you customize a policy that fits your needs.


7. Do you offer commercial insurance for local businesses?

Yes, we do! We provide tailored commercial insurance solutions for businesses in Santa Rosa and Escambia counties. Protect your business with our help.


8. How do I file a claim?

Filing a claim is simple. Contact us directly, and we’ll guide you through the process step by step to ensure everything is handled smoothly.


9. Can I bundle my insurance policies?

Yes! Bundling your auto, home, and other policies can save you money. We’ll help you explore your options to maximize your savings.


10. What areas do you serve?

We proudly serve Milton, Pace, Pensacola, Gulf Breeze, and the surrounding areas in Santa Rosa and Escambia counties.


11. How can I contact Bay Insurance Agency?

You can reach us by phone at (850) 889-4039, visit our office at 5426 Hwy 90 in Pace, FL, or fill out the contact form on our website.


12. Do you work with specific insurance providers?

Yes, we partner with trusted providers like Progressive, Dairyland, and Tower Hill to offer you the best options available.


13. What should I bring when getting a quote?

For auto insurance, bring your driver’s license and vehicle information. For homeowners insurance, details about your property and belongings are helpful.


14. Can you help with insurance for boats and RVs?

Of course! We offer specialized insurance for boats and RVs to ensure you’re covered while enjoying your adventures.


15. How do I know if I’m getting the best rate?

As an independent agency, we compare rates from multiple providers to ensure you’re getting the best deal possible.


16. What makes Bay Insurance Agency different?

We’re committed to providing personalized service with a focus on your needs. Our local expertise and dedication to our community set us apart.


17. How do I update my policy?

Simply give us a call or stop by our office. We’ll help you make any necessary changes to your policy quickly and efficiently.


18. Do you offer insurance for renters?

Yes, we do! Renters insurance is an affordable way to protect your belongings. Contact us to learn more.


19. What payment options do you offer?

We offer flexible payment options to fit your budget. Contact us to discuss what works best for you.


20. How can I learn more about your services?

Visit our website, give us a call, or stop by our office. We’re always happy to answer your questions and help you find the right coverage.