HO-3 · HO-5
Your home
Primary, second home or new build, insured to today's rebuild costs.
Grant Blackwell · Coastal Insurance
Insurance solutions built around how you live
Miramar BeachSandestin30ARosemary BeachAlys Beach
Personal service, start to finish
Personal service from your first conversation through every renewal, for homes, condos and rentals along the Emerald Coast.
Grant Blackwell
Insurance, made clear
Options
Access to more than 15 national carriers rated A or better by AM Best, so you can compare coverage side by side.
Transparency
Coverage limits, deductibles and optional coverages explained up front, so you know exactly what your policy does.
Dedicated service
One team for proposals, closings, policy changes and renewals, led by Grant from start to finish.
Coverage for coastal living
Federal · Private
Your flood
National Flood Insurance Program (NFIP) and private flood options, side by side.
Wind · Hurricane
Your wind
Your hurricane deductible in real dollars, plus available mitigation credits.
HO-6
Your condo
Picks up where the master policy stops.
Personal auto
Your auto
Cars, golf carts and toys, bundled to save.
Rental · STR
Your rental
Long-term or vacation rental, covered for real use.
Coastal insurance, answered
Do I need flood insurance if I'm not in a high-risk zone?
Most homeowners policies exclude flood, so damage from storm surge or heavy rain needs a separate flood policy. According to FEMA, nearly one-third of flood claims come from outside high-risk areas, where coverage is often affordable. Citizens policyholders will also be required to carry flood coverage by January 1, 2027.
National Flood Insurance Program (NFIP) or private flood?
It depends on your home. NFIP limits dwelling coverage to $250,000, and some newer homes in coastal barrier areas can't buy NFIP at all. Grant walks you through both.
When should I start on insurance when buying?
Early in the process. Your lender needs proof of coverage before closing, and inspections like a four-point or wind mitigation report can take time.
Can you insure my vacation rental?
Yes. Short-term rentals need coverage written for rental use. A standard homeowners policy may not cover guest stays.
What clients say
"They exceeded my expectations at Coastal Insurance. They treat clients like family."
"Our experience with the Coastal Team has been 5 STAR all the way! They respond quickly and are consistently pleasant and professional."
"The whole staff at Coastal Insurance is friendly and knowledgeable. This is a team I continue to recommend."
Client reviews of Coastal Insurance, as published at CoastalCoverage.com.
Protect your piece of paradise
Buying, building or renewing? Send Grant Blackwell the address.
Contact
Grant Blackwell
Direct
850.699.8088
Office
625 Grand Boulevard, Suite 205E
Miramar Beach, FL 32550
Miramar Beach, FL 32550