Allstate Insurance Agent
Dave Morrow, Destin, FL

MBA

3997 Commons Dr W,

Ste H

Destin, FL 32541

Call

(850) 650-0600to quote by phone

Call

(850) 650-0600to quote by phone

Call

(850) 650-0600to quote by phone

Call

(850) 650-0600to quote by phone

Select a product to get a quote

Auto insurance

Renters insurance

Motorcycle insurance

ATV insurance

Location Details

Office Hours

Day of the Week	Hours
Mon	8:00 AM - 5:00 PM
Tue	8:00 AM - 5:00 PM
Wed	8:00 AM - 5:00 PM
Thu	8:00 AM - 5:00 PM
Fri	8:00 AM - 5:00 PM
Sat	Available by appointment
Sun	Available by appointment

After-hours appointments available.

Available 24/7 at

(850) 650-0600

3997 Commons Dr W,
Ste H
Destin, FL 32541
US

Landmarks

We are behind Walmart on the North Side of Commons Drive in the Diamond Lakes Office complex. The West building bottom floor, East corner Suite H.

Areas Served

Destin, Santa Rosa Beach, Miramar Beach, Niceville, Fort Walton Beach

Additional Contact

Fax: (833) 792-3310

Toll Free: (877) 651-0600

Languages

English, Spanish

Social

Dave Morrow: Allstate Insurance

You can view my financial industry experience and background at FINRA’s BrokerCheck

Local Allstate Insurance Agent: Dave Morrow

When you need help choosing the right insurance products and services to help protect the people and possessions you care about, you need personalized attention from someone who treats you like family. As a native Floridian, I opened my agency in 2006 so customers in the Destin area can get outstanding service while helping protect the things that are important to them.

Prior to starting my agency in October 2006, I began a career in the financial industry in 1999. I graduated from the Naval Explosive Ordinance Disposal School in 1976 and am a retired US Air Force member.

As a trusted Allstate agent, I believe in giving back to my community. I am a member of the Destin, Niceville and South Walton Chambers of Commerce, the Destin Rotary Club, the Destin Methodist Church. My agency also supports The Taylor Haugen Foundation which recognizes youth leaders and promotes abdominal sports safety, and Aletha's Legacy which is a 501(c)3 nonprofit organization that gives hope to the children of Liberia.

Outside of the office, my passions are fishing, camping and my grandchildren. Retired US Air Force. Native Floridian. Graduated from the Naval Explosive Ordnance Disposal School in 1976.

I invite you to stop by my agency any time. We can assist you with condo, renters, home, auto or business insurance and more. We look forward to meeting you. 

Outside of the office, my passions are fishing, camping and my grandchildren. Retired US Air Force. Native Floridian. Graduated from the Naval Explosive Ordnance Disposal School in 1976.

I invite you to stop by my agency any time. We can assist you with condo, renters, home, auto or business insurance and more. We look forward to meeting you. 

Products we offer:

Car Insurance Agent in Destin
Car Insurance Agent in Destin
Helps protect you and your vehicle if you’re involved in a car accident. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident that injures another driver or damages their property. We also offer uninsured motorist coverage to help with your expenses if you’re hit by a driver without insurance. If you’re looking for coverage to help protect your vehicle, you might want to consider collision coverage and comprehensive coverage, which help pay repair costs if your car is damaged in a covered loss. And, optional coverages, like new car replacement coverage or loan/lease gap coverage help protect your investment in a brand-new car. I can help you choose a combination of coverages that fulfill state requirements and meet your needs. Give me a call to get a car insurance quote today!
get a quote
Home Insurance Agent in Destin
Home Insurance Agent in Destin
Helps provide protection for your house (dwelling) and your family’s liability as well as the things you own in and around your home such as “other structures” (detached garage, fence, etc.), your personal property (furniture, clothing, etc.) against covered perils such as fire, theft, wind/hail and more. Call me today for a homeowners insurance quote and I’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts.
Condo Insurance Agent in Destin
Condo Insurance Agent in Destin
Helps protect the portion of your condo, co-op or townhome for which you are responsible for (inside structure, permanent fixtures, cabinets, etc.) with dependable coverage. Condo policies are HO-6 compliant, and cover family liability and personal belongings against covered perils such as fire, theft, vandalism and more. Contact me today for a quote!
Renters Insurance Agent in Destin
Renters Insurance Agent in Destin
Helps protect your personal belongings inside or outside your apartment from accidents such as, fire, theft, vandalism, and cover family liability. Give me call today to review what type of coverage makes sense for where you live and what you own.
get a quote
Motorcycle Insurance Agent in Destin
Motorcycle Insurance Agent in Destin
Our motorcycle policies include the basic coverage you may need, like liability coverage, which includes passenger liability coverage and uninsured motorist coverage. You can further customize your motorcycle policy with collision coverage and comprehensive coverage to help protect your bike. And, if you have a customized ride, you can help protect your aftermarket gear with optional equipment coverage. Contact me to learn about motorcycle insurance discounts and to get started with a quote for a policy that fits your needs.
get a quote
Business Insurance Agent in Destin
Business Insurance Agent in Destin
Allstate Business Insurance protects your business in ways other insurance might not. A business owners policy (BOP) usually includes three common types of coverage to help protect you and your small business: property coverage, general liability coverage and business interruption coverage. In addition to these basic coverages, the Allstate Business Owners Policy can be customized with additional protection to help cover more aspects of your business. I can help you tailor a policy to fit your small business’s needs. As a small business owner myself, I understand how important it is to protect what you’ve worked so hard to build. Call me for a free review of your current business policy and to learn more about insurance solutions to help protect you, your business and your employees.
Life Insurance Agent in Destin
Life Insurance Agent in Destin
Protect the life you want, for those that matter most. A life insurance policy can help provide financial security for your loved ones by covering expenses like the mortgage, college tuition, and other everyday living costs. Call me today to learn about the different types of coverage Allstate offers.
ATV Insurance Agent in Destin
ATV Insurance Agent in Destin
Help protect yourself and your all-terrain vehicle against the unexpected. We offer bodily injury liability coverage and property damage liability coverage on your ATV insurance policy. If you injure someone else or damage their property while driving your ATV, liability coverage helps pay the other person’s medical or repair bills. If your ATV is damaged in a crash, collision coverage may help. Collision coverage for your ATV helps pay for repairs if you hit another object, such as a fence or a tree. Finally, you may want to consider comprehensive coverage for your ATV in case it’s stolen, vandalized or damaged by hail or fire. Give me a call to get a quote on an ATV insurance policy today!
get a quote
Boat Insurance Agent in Destin
Boat Insurance Agent in Destin
Helps cover your boat on and off the water. Watercraft liability coverage helps pay for another person’s expenses if you injure them or damage their property with your boat. If you’re injured in a boating accident, watercraft medical payments coverage helps pay for your medical bills. Need to repair damage to your boat after an accident? Property coverage for your boat helps cover a crash with another boat or object (like a pier or buoy). It also helps cover theft, vandalism or fire. Help protect your boat against these covered perils during the on- and off-season. We also offer additional coverage for things like your boat trailer, fishing equipment and even towing or fuel delivery when you’re stranded. Need a boat insurance quote? Give me a call today!

10+

Years of
Experience

20+

Years in the
Community

Your Local Allstate Team

Jessica Kidwell

Personal Lines Manager

With a deep-rooted connection to the Emerald Coast, Jessica Kidwell is more than just an Office Manager. Boasting over 20 years of experience, Jessica is uniquely positioned to understand and cater to the insurance needs of Destin and the surrounding areas. She has been there and done that when it comes to navigating difficult situations within our market. She also maintains a Life Insurance license to provide more value to our family of customers, creating a one-stop-shop! Don't hesitate to reach out today and let Jessica show you why she is called the “General”!

Daniel Morrow

Sales Manager

Dan has been a local since 1996! After proudly serving his country for six years in the Coast Guard, he earned his Bachelor's degree from the University of South Florida! During his active duty, Dan played a vital role in drug interdiction and oil spill response efforts, honing his skills and building a deep respect for teamwork and leadership.

Dan's local knowledge and military experience makes him a valuable asset to our team. His dedication to community service helps see that he's always working to put our mission – help everyone – at the forefront.

Dan isn't all work and no play though. When he's not putting customers first, you might find him out on the Gulf searching for monster fish, exploring the sky, or biking down old 98. He also enjoys long walks with his fur baby, a labradoodle named Lucina who loves pinecones.

Jerrika Bailey

Insurance Representative

Jerrika's background positions her as a valuable asset with a helpful spirit. Her fluency in Spanish and degree in Spanish Translation from the University of Tennessee highlight her communication skills and potential to connect with a wider customer base. With over 8 years of experience, she brings a wealth of knowledge to help make insurance easy for everyone. Jerrika's dedication to volunteering at a local animal shelter in her spare time showcases her compassion and care for animals. Her knowledge in our industry makes her a reliable and trustworthy choice for anyone seeking insurance.

Heather Jopling

Insurance Specialist

Heather is a Niceville native and Niceville High School graduate who proudly serves the local community as a licensed Personal Lines Insurance Sales Representative. She holds a Bachelor’s degree in Marketing from the University of West Florida, bringing a strong background in communication, strategy, and customer awareness to her work.
Heather specializes in auto, homeowners, condo, renters, umbrella insurance and is known for making insurance easy to understand and stress-free. As a lifelong local, she understands the needs of local families and believes in building real, long-term relationships with customers through trust and clear guidance.
She is also a proud mom of two boys—one at Ruckel Middle School who competes in cross country and track & field, and one at Bluewater Elementary School. Outside of work, Heather enjoys Latin dancing and spending time outdoors with her boys on local nature walks.

Ian Amador

Associate Agent

Ian was originally born in Costa Rica but has been a proud Floridian since 2013. As a trilingual insurance professional speaking English, Spanish, and Portuguese, Ian brings both experience and a personal touch to every customer interaction. With five years in the insurance industry, he is passionate about helping families find the right protection and peace of mind.

Ian’s dedication to serving others goes beyond insurance — he truly enjoys building relationships and helping see that customers feel confident about their coverage.

When he’s not in the office, you’ll likely find Ian practicing martial arts, enjoying water sports, or exploring the outdoors with his family. From hiking and camping to fishing and discovering new adventures, Ian loves making the most of Florida’s natural beauty.

Lucas Mangers

Associate Agent

A local resident for the past eight years, Lucas brings a hands-on background and a strong service mindset to his work. After spending three years in construction and home maintenance, he gained firsthand insight into how homes function and what it takes to protect them. He’s since transitioned into the insurance industry, where he’s spent the past year helping customers make informed, confident decisions.

Lucas believes in always placing the customer's needs FIRST. Known for his honesty and dedication, he works hard to help see every customer feels supported and well taken care of.

Outside of work, Lucas enjoys growing coral at home — a detail-oriented hobby that reflects his patience and care in everything he does.

Nicholas Beltran

Associate Agent

Nicholas was born and raised in a small Colorado town where service and a strong work ethic are instilled at a young age.
After playing junior college baseball at Colorado Northwestern Community College, Nick joined the Professional Golf tour of America, serving as an Assistant Golf Professional for four years.
During this time, he specialized in private instruction and mastered high-standard golf operations.

Now a resident of the Emerald Coast, Nick has transitioned into the insurance industry. He leverages his extensive background in teaching and customer service to elevate customer experience, helping see every individual is well-informed and thoroughly protected. Outside of the office, Nick remains an avid golfer and enjoys exploring the local area and discovering new dining spots with his friends and family.

Allstate Insurance Agent Reviews

gary goldstein

May. 26, 2026

We are looked after to get the best coverage/quote. Always responsive, friendly and proactive in providing savings. The

We are looked after to get the best coverage/quote. Always responsive, friendly and proactive in providing savings. They have gained our trust.

anna rentfrow

May. 22, 2026

tom kelly

May. 5, 2026

Agent Response

Thank you, Tom, for your positive feedback! We're

Thank you, Tom, for your positive feedback! We're thrilled to hear that you had a great experience with us. Your trust and satisfaction mean a lot, and we're here to continue providing reliable service. If you ever need assistance, feel free to reach out.
God Bless,
Dave Morrow

jimmy whittle

Apr. 1, 2026

I have been very pleased with the service received and with the friendliness of the staff when I had questions.

Agent Response

Thank you, Jimmy, for your kind words and for bein

Thank you, Jimmy, for your kind words and for being a valued customer. We're delighted to hear that our service and friendly staff have met your expectations. If you have any further questions or need assistance, feel free to reach out!
God Bless,
Dave Morrow

richard alford

Mar. 26, 2026

Agent Response

Thank you, Richard, for your feedback and for bein

Thank you, Richard, for your feedback and for being a valued customer. We're glad to know you're satisfied with our services. If you have any further suggestions or concerns, please feel free to reach out to DaveMorrow@allstate.com. Your trust means a lot to us!
God Bless,
Dave Morrow

larry cruise

Mar. 23, 2026

Everyone was very Helpful and Professional taking care of my Insurance Needs.

Agent Response

Thank you, Larry, for your kind words and the 5-st

Thank you, Larry, for your kind words and the 5-star rating! We're thrilled to hear that our team was helpful and professional in meeting your insurance needs. Your satisfaction is our top priority, and we appreciate your trust in us. If you ever need further assistance, feel free to reach out.
God Bless,
Dave Morrow

michelle le page

Mar. 22, 2026

Agent Response

Thank you, Michelle, for the wonderful rating! We'

Thank you, Michelle, for the wonderful rating! We're thrilled to hear that you had a positive experience with us. Your trust and satisfaction are incredibly important, and we're here to support you with all your insurance needs. If you ever have any questions or need assistance, feel free to reach out.
God Bless,
Dave Morrow

catherine trujillo

Mar. 21, 2026

Easy process. Friendly staff. Sufficient coverage.

Agent Response

Thank you, Catherine, for your wonderful feedback!

Thank you, Catherine, for your wonderful feedback! We're thrilled to hear that you found the process easy and our staff friendly. Providing sufficient coverage is our priority. We appreciate your trust in us and look forward to continuing to serve you!
God Bless,
Dave Morrow

william kuhn

Mar. 21, 2026

Great rate

Agent Response

Thank you, Bill, for sharing your positive feedbac

Thank you, Bill, for sharing your positive feedback! We're happy to hear you're satisfied with our rates. We want you to feel the difference being with our agency. Please let us know if you ever need anything!
God Bless,
Dave Morrow

robert lamotte

Mar. 4, 2026

Agent Response

Thank you, Robert, for your positive feedback and

Thank you, Robert, for your positive feedback and for being a valued customer. We're thrilled to know you're satisfied with our services. Your trust and support mean a lot to us. If you ever need assistance, feel free to reach out.
God Bless,
Dave Morrow

nancy davis

Mar. 3, 2026

Great people to work with, especially Lucas. He is extremely helpful, knowledgeable and friendly.

Agent Response

Hi Nancy! Thank You for your kind words! We think

Hi Nancy! Thank You for your kind words! We think you're great too! Please let us know if you ever need anything.
God Bless,
Dave Morrow

mary schifano

Feb. 18, 2026

Good
Wish my rate was lower though.

Agent Response

Thank you for your feedback, Mary! We're glad to h

Thank you for your feedback, Mary! We're glad to hear you had a positive experience. We understand your concern about rates; we will continue to call you to discuss any options that might be available to help lower your cost without compromising your coverage. We appreciate your trust in us!
God Bless,
Dave Morrow

robert deckert

Feb. 16, 2026

Agent Response

Thank you, Robert, for your feedback and for being

Thank you, Robert, for your feedback and for being a valued customer. We're glad to see your positive rating and are always here to ensure your insurance needs are met. If you have any further thoughts or questions, feel free to reach out!
God Bless,
Dave Morrow

georgine hillgenberg

Feb. 1, 2026

Agent Response

Thank you, Georgine, for your wonderful feedback!

Thank you, Georgine, for your wonderful feedback! We're thrilled to hear that you're satisfied with our service. Your trust and support as a valued customer mean a lot to us. If you ever need assistance, feel free to reach out.
God Bless,
Dave Morrow

robert bucter

Jan. 29, 2026

Agent Response

Thank you, Robert, for your feedback and for being

Thank you, Robert, for your feedback and for being a valued customer. We're glad to hear you had a positive experience with us. If you have any further suggestions or concerns, please feel free to reach out to DaveMorrow@allstate.com. Your trust is important to us.
God Bless,
Dave Morrow

melissa schembri

Jan. 24, 2026

Agent Response

Thank you, Melissa, for your positive feedback! We

Thank you, Melissa, for your positive feedback! We're thrilled to hear that you had a great experience with us. Your trust and satisfaction are our top priorities. If you ever need assistance, feel free to reach out.
God Bless,
Dave Morrow

tasha hancock

Jan. 16, 2026

It’s lack luster for the cost.

Agent Response

Hi Tasha, thank you for sharing your thoughts. I'm

Hi Tasha, thank you for sharing your thoughts. I'm sorry to hear that your experience didn't meet your expectations. We strive to provide value to our customers. Please feel free to reach out to DaveMorrow@allstate.com to discuss your concerns further.
God Bless,
Dave Morrow

peggy moravec

Jan. 14, 2026

Agent Response

Thank you, Peggy, for your positive feedback and f

Thank you, Peggy, for your positive feedback and for being a valued customer. We're thrilled to know you're satisfied with our service. Your trust in us is greatly appreciated. If you ever need assistance, feel free to reach out.
God Bless,
Dave Morrow

charles j mason

Jan. 13, 2026

Agent Response

Thank you, Charles, for your positive feedback! We

Thank you, Charles, for your positive feedback! We're thrilled to hear that you had a great experience with us. As a valued customer, your satisfaction is our top priority. If you ever need assistance, feel free to reach out.
God Bless,
Dave Morrow

robert lakatta

Dec. 31, 2025

Agent Response

Thank you, Robert, for your positive feedback! We'

Thank you, Robert, for your positive feedback! We're thrilled to hear that you're satisfied with our services. Your trust and support as a valued customer mean a lot to us. If you ever need assistance, feel free to reach out.
God Bless,
Dave Morrow

Allstate Online Review Policy

Your Local Allstate Team

Jessica Kidwell

Personal Lines Manager

Daniel Morrow

Sales Manager

Jerrika Bailey

Insurance Representative

Heather Jopling

Insurance Specialist

Ian Amador

Associate Agent

Lucas Mangers

Associate Agent

Nicholas Beltran

Associate Agent

Frequently asked questions

What are your agency hours?

Monday: 8:00 AM - 5:00 PM
Tuesday: 8:00 AM - 5:00 PM
Wednesday: 8:00 AM - 5:00 PM
Thursday: 8:00 AM - 5:00 PM
Friday: 8:00 AM - 5:00 PM
Saturday:
Sunday:

Are you open on weekends?

Saturday:
Sunday:

Can I text your agency with questions?

Yes, we have text messaging services.

What languages do you speak?

We have staff members available who speak the following languages: English, Spanish

Do you have more than one location?

No, this is our only location.

*Note: In Florida, Allstate agencies are authorized to represent a number of companies that are part of the Allstate family. Through these separate and distinct companies a wide variety of insurance products are available. For example, auto insurance in Florida is available from Allstate Insurance Company, Allstate Indemnity Company and Allstate Property and Casualty Insurance Company(Home Office:Northbrook, IL). Property insurance, such as homeowners, condominium owners and renters insurance is available in Florida from Castle Key Insurance Company and Castle Key Indemnity Company(Home Offices: St. Petersburg, FL).

It's important to note that Castle Key Insurance Company and Castle Key Indemnity Company are separate and distinct companies from each other and from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Life Insurance Company. This means, for example, that property insurance products provided by Castle Key Insurance Company and Castle Key Indemnity Company are not underwritten or reinsured by Allstate Insurance Company or Allstate Life Insurance Company.

Dave Morrow is insurance licensed in the state(s) of Florida and Georgia. If you do not reside in the state(s) of Florida or Georgia, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.

Based on coverages selected. Subject to terms, conditions, availability & qualifications.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate North American Insurance Co. and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 151 North 8th Street, Suite 450, Lincoln, NE 68508. (877) 232-2142.

Check the background of this firm on FINRA's BrokerCheck website.

you're in good hands^®