Hutt Insurance

We provide comprehensive auto insurance solutions tailored to individual drivers and fleet needs. Our policies include liability, collision, and comprehensive coverage options with discounts for safe drivers and multi-policy bundling. Our agents help clients navigate coverage limits and state requirements to ensure optimal protection.

Our home insurance policies protect against property damage, liability claims, and additional living expenses. Coverage includes standard perils like fire and theft while offering optional endorsements for flood, windstorm, and valuable personal property. We specialize in customized policies for primary residences and investment properties.

We offer business owners policies (BOP) combining property, liability, and business interruption coverage. Additional options include workers' compensation, professional liability, and industry-specific packages for contractors, healthcare providers, and technology firms. Our agents help businesses assess risk exposure and implement cost-effective solutions.

We provide term and whole life insurance policies to protect families and business interests. Our solutions include income replacement strategies, final expense coverage, and key person insurance for businesses. We work with multiple carriers to find policies matching clients' financial goals and budgetary constraints.

We offer flood insurance through the National Flood Insurance Program (NFIP) and private carriers. Coverage protects against surface water intrusion, storm surge, and sewer backup damage. Our agents help property owners in high-risk areas understand flood zone requirements and secure appropriate policy limits.

John Hutt, Jr. leads the agency with over 40 years of insurance experience. He maintains his father's commitment to personalized service while adapting to modern industry standards. John focuses on strategic growth and client relationship management.

Trey Hutt oversees daily operations as President, continuing the family tradition of client-centric service. He specializes in commercial risk management and has expanded the agency's digital capabilities while maintaining personal agent accessibility.

Caressa Spitzer manages office operations with 15+ years of insurance expertise. She ensures efficient policy processing and client communication, maintaining the agency's reputation for responsive, personalized service to both individual and business clients.

Rob Griffith specializes in commercial insurance solutions with particular expertise in construction and contractor coverage. He has earned client trust through transparent consultations and customized risk management strategies that balance protection with affordability.

Katlyn Richardson provides personalized service for homeowners and auto insurance clients. She focuses on educating policyholders about coverage options while maintaining competitive pricing through the agency's carrier partnerships.

We provide personal insurance (auto, home, life) and commercial insurance (BOP, liability, workers' comp) with specialized coverage for contractors, healthcare providers, and technology firms.

Yes, we've been family-owned since 1961, serving Gulf Coast communities with personalized insurance solutions that prioritize client relationships over corporate interests.

Call us at (850) 769-4888 for immediate assistance or use our online quote forms to receive personalized coverage options within minutes.

Yes, we specialize in small business insurance including general liability, commercial property, and industry-specific packages tailored to your operational needs.

We primarily serve Panama City, Bay County, and Walton County, FL, with coverage options available throughout the state of Florida.

Just had a great experience on their customer service side. Talked to Katie and she was great. She promised to call me back and she did with how we could solve problem. I asked if I could get confirmation and she called back that she had sent what I needed by email for my records. It was so good to experience that kind of service again.

Sad that service seems to have gone down. Wrote on Mon 2 May that we would like to come in and discuss new insurance options. No response. Wrote again on Thur 5 May. By Mon May 9th still no response. Wrote to agent again on 10 May and info@Hutt (just in case agent was no longer there). Got a response back the same day and replied we'd like to come in and discuss options (was hoping to arrange time since agent stated she was out a lot in 10 May response).

As of Fri 20 May still had not received a reply. First thought was is this what its going to be like when I need them like in another hurricane? Cancelled insurance and went with KIN which was a very responsive company having high customer reviews which to me is important. I suspect that they need to hire help in the Hutt office. Seems like they have just gotten too busy to provide satisfactory customer service

Trey really knows the insurance business and truly cares about our community. He helped me understand my hurricane Michael claims and he wasn't even my agent. I highly recommend him.

Hutt Insurance has their finger on the pulse in our community! They stay involved, and really want to help!

As have many since Hurricane Michael, I have come to rely on the knowledge, professionalism and sincere dedication of Trey and his Agency.

Great staff! They were so helpful to me after the hurricanw. I was very impressed, they helped me with my claim, answering all my questions. They have been available anytime I have called. So glad they are my insurance company.

Trey Hutt is a very good guy. His office staff is congenial and helpful. They are available to serve your insurance needs with 5 star service.