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Lucleon Insurance

Destin · Emerald Coast

Founded On Faith

Kept With Excellence. Lucleon Insurance is an independent agency in Destin, in the heart of the Emerald Coast. We shop 150+ carriers and then service the account — one place to call.

An independent Destin agency

We are an independent agency located in Destin, Florida. Lucleon is a place of connection: access to over 150 competitive insurance carriers in one office. That is only a portion of what we bring.

Lucleon is also a place of service. We broker the placement between you and the carrier that will write the risk, then we manage the account. Whenever you need something, you have one place to call.

“Thank you to all of our clients who allow us to serve as their Florida Insurance Agency. May God bless you richly.”

— Steven

Impacting Lives By Serving Others.

We carry the mission forward: honor God, serve people, impact lives. God is faithful.

Steven H. Craft, Jr., Principal at Lucleon, wearing a beige blazer and white shirt against a white background

Steven H. Craft, Jr.

Principal

Steven received his B.S. in Professional Geology from Mississippi State University. He is a husband, a father, a family man, and an entrepreneur in the line of his father and grandfather.

Steven’s grandfather, Wyatt E. Craft, was a pioneer in oil and gas, building and running his own small independent oil company. Steven’s father, Steven Craft Sr., followed on a larger scale, founding and operating more than 50 companies under The Craft Companies.

Early in his career, Steven worked side-by-side with his father as a petroleum geologist before stepping into business development and raising capital for wildcat drilling ventures.

After years in that family tradition, Steven felt a growing conviction to follow God — and to steward the gift of faith and the entrepreneurial spirit he had inherited in a new direction. The same grit, faith, and generational vision that built drilling rigs in Mississippi and Alabama would build something different on the Gulf Coast of Florida.

In 2020, Steven founded Lucleon Insurance in Destin, Florida — bringing the Craft legacy forward not by drilling deeper, but by covering what matters most in service to others. From independent oil fields to an independent insurance agency.

“Know therefore that the LORD thy God, he is God, the faithful God, which keepeth covenant and mercy with them that love him and keep his commandments to a thousand generations;” — Deuteronomy 7:9

“Every good gift and every perfect gift is from above, and cometh down from the Father of lights, with whom is no variableness, neither shadow of turning.” — James 1:17

Kayleigh Kirkpatrick, Operations Manager at Lucleon Insurance

Kayleigh Kirkpatrick

Operations Manager · Licensed Agent

Kayleigh Kirkpatrick is Operations Manager at Lucleon Insurance, a licensed agent, and a primary contact for clients. She received her B.S. from Florida State University. Email Kayleigh@LucleonInsurance.com.

Protect your future

We write home, flood, auto, commercial, and business insurance for Santa Rosa Beach, 30A, and the Panhandle coast. Vacation rental and short-term rental homes are a specialty conversation — not a silent HO-3. Get a free quote, or read the FAQ.

City home-insurance pages live on the Home Insurance locations section— Destin, Miramar Beach, Santa Rosa Beach, 30A towns, and the gulf communities we list. Auto city pages live on Auto insurance by city, including Niceville and Crestview. We do not treat inland cities we do not write as a directory filler.

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.

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