We Insure John Douglas Insurance
Consultative coverage reviews and straight answers for Panama City households - without the usual price-only quoting.
We work with trusted insurance companies.
Home, Auto, Flood, and More
Common policy types reviewed for clients in Panama City and nearby communities
Ways We Help
Ways To Meet
Find Us
Areas Served
Based in Panama City, serving clients across the greater Panama City area.
About the Owner
Our mission is to continue our long history of community service, to treat our clients with respect, and do what's right for them. We seek to develop and maintain long term relationships with customers and adhere to the highest ethical and professional standards.
How this office works
Owner started this office to give Panama City clients a more consultative insurance experience instead of a quick price-only conversation. The office focuses on: Taking time to ask better questions, understanding what matters to each household, and recommending coverage that actually fits the risk.
What stands out
Consultative coverage reviews instead of price-only quoting
Transparent when another solution is the better fit
Meet the Panama City Team
Zachary Messer
Agent in Charge
Jasmyne Kyle
Producer
Christina Mathis
Producer
Doug Messer
Agency Owner
Jennifer Santamaria
Producer
What homeowners in Panama City often miss
A common mistake is assuming flood risk only exists in high-risk zones. In the Panama City area, the better conversation is understanding the actual risk, the flood zone, and what the policy would do before a storm ever shows up.
What to review
Check flood, wind, and deductible details before storm season instead of waiting until a claim.
Review deductibles, water damage limits, and optional coverages before renewal so nothing important gets missed.
Rated ★★★★★ By Neighbors
Local roots in Panama City
This office has deep Panama City roots, with team members who have lived and worked in the community for years. We understand the local market and the unique insurance needs of Panama City residents.
Community involvement includes:
Chamber and local business networking
Community charitable organizations
Local school and youth programs