Independent P&C agency · Personal & Commercial · 150+ carriers
Choosing the right insurance agent makes all the difference.
Many agents are captive — they can only offer policies from a single company. At Lucleon Insurance, we chose a better path. As an independent agency we have access to over 150 insurance carriers.
This independence allows us to shop the market for you and deliver better coverage, competitive rates, and real client savings — especially on complex coastal risks.
We specialize in:
Serving all of Florida with local expertise in Destin, Santa Rosa Beach, Inlet Beach, Rosemary Beach & all of 30A.
Please fill out the form in its entirety.
We can get you a quote in less than 59 minutes!
Coverage
Property, home, and vacation rental insurance along 30A and in Santa Rosa Beach — with Florida Panhandle coastal risks named plainly: windstorm, hurricane, storm surge, and dune lakes. Flood is not inside a standard homeowners form. Make sure your vacation rental home is written on the correct form so that you aren't denied coverage during a claim.
Home insurance in Santa Rosa Beach and 30A home insurance for beachfront and inland dwellings.
Learn more →02Flood insurance in Santa Rosa Beach FL and flood insurance 30A for storm surge and dune lakes.
Learn more →03Vacation rental insurance Santa Rosa Beach, Airbnb insurance 30A, and VRBO insurance 30A.
Learn more →04Condo insurance in Santa Rosa Beach & 30A, including HO-6.
Learn more →05Auto insurance in Santa Rosa Beach & 30A for residents and second-home drivers.
Learn more →06Commercial property insurance 30A, business insurance in Santa Rosa Beach, and general liability.
Learn more →07Builders risk insurance in Santa Rosa Beach & 30A for new homes and remodels.
Learn more →Santa Rosa Beach home insurance, homeowners insurance Santa Rosa Beach, and Destin home insurance questions often start here. On the corridor we place 30A homeowners insurance and home insurance coverage for 30A beachfronts as coastal home insurance, not a copied inland HO-3.
Santa Rosa Beach home insurance → 30A home insurance →STR vs LTR matters. Landlord insurance in Santa Rosa Beach FL is for annual tenants. Nightly listings need vacation rental insurance Santa Rosa Beach or short term rental insurance 30A. Coastal properties used as STRs are not a silent HO-3.
Vacation rental insurance →Flood insurance in Santa Rosa Beach is a separate policy. The same is true for flood insurance 30A. Storm surge and dune lakes do not wait for a Special Flood Hazard Area stamp.
Flood insurance Santa Rosa Beach FL →Personal auto insurance 30A and auto insurance Santa Rosa Beach FL use the auto quick-quote form. Commercial auto insurance in Santa Rosa Beach & 30A is a business line.
Auto insurance →Commercial property insurance in Santa Rosa Beach & 30A, business insurance 30A, general liability 30A, and umbrella insurance sit on the business form. Lessor’s risk (LRO) and coastal landlord insurance are not vacation-rental occupancy.
Business insurance in Santa Rosa Beach →Builders risk Santa Rosa Beach and 30A builders risk cover the project while it is being built. Condo insurance 30A and HO-6 are for finished units, not course of construction.
30A builders risk → Condo insurance in Santa Rosa Beach & 30A →Boat insurance in Santa Rosa Beach and 30A boat insurance are for Gulf and bay boats. There is not a separate thin product URL — start from all services or request a quote and note the boat.
Lucleon Insurance was founded in 2020 by Steven H. Craft, Jr.. We are an independent insurance agency in Destin with 150+ carriers. We write Santa Rosa Beach, 30A, and Emerald Coast towns such as Miramar Beach.
Impacting Lives By Serving Others.
About the agency →Santa Rosa Beach, Seaside, Rosemary Beach, Inlet Beach, and the rest of the 30A corridor.
Already published for the agency. We do not invent ratings.
“I've been doing business with Lucleon for years and have always appreciated their help. They always do their best to fit my needs with insurance policies that make sense. They are quick to respond and take care of their customers.”
“Steven has been fantastic to work with! I had an exhaustive search for insurance to insure my property down on 30A and found him to be extremely trustworthy. We're now going on year 2 and I couldn't be more satisfied.”
“In these uncertain insurance times for we Floridians, I am so glad to have worked with Steven Craft at Lucleon Insurance to protect our home in Destin. He is ethical, thoughtful and worked to ensure us the lowest rate possible, saving us thousands.”
“Steven helped me save over $2000 on my home insurance! Very easy to work with. Would highly recommend!!”
“Steven is an incredibly kind and honest man and found coverage for us that still has me reeling with unbelief. He found the same amount of coverage for our home for a fraction of the cost. Words cannot express my gratitude to Steven. I have found an agent whom I know will always have our best interest at heart.”
“Very responsive, answered all questions and concerns promptly, and ensured we had the product to meet our needs. Also very courteous.”
Information on this site is general and educational. It is not legal, coverage, or underwriting advice. Policy terms, exclusions, and availability vary by carrier and property. A quote request is not a binder and does not place coverage. Any policy is subject to underwriting, inspection, and carrier acceptance.
Ready when you are.
We can get you a quote in less than 59 minutes! Homeowners and business quotes for Santa Rosa Beach and 30A.
