Allstate Insurance Agent
Lenny Coughlin, Niceville, FL

4524 E Highway 20

Niceville, FL 32578

Call

(850) 678-0996to quote by phone

Call

(850) 678-0996to quote by phone

Call

(850) 678-0996to quote by phone

Call

(850) 678-0996to 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	Closed

After-hours appointments available.

Available 24/7 at

(850) 678-0996

4524 E Highway 20
Niceville, FL 32578
US

Landmarks

Located in the Northview Shopping Center next to Winn-Dixie in Bluewater Bay.

Areas Served

Niceville, Bluewater Bay, Destin, Fort Walton Beach, Crestview

Languages

English

Social

Lenny Coughlin: Allstate Insurance

Local Allstate Insurance Agent: Lenny Coughlin

I’ve gotten to know many local families as an Allstate agent in Niceville. I enjoy being a part of the community, and building local relationships is one of the best parts of my job. I know what life is like here in Niceville – that you choose your car and your home to fit your lifestyle and your budget. I also know how important it is to do the same when it comes to insurance. I look forward to getting to know you and helping you to find the solutions that meet your needs.

Part of what I like best about my job is that I can offer customers options for a wide variety of coverage and services. You can depend on me to help you look at the big picture.

I’m committed to helping Niceville residents assess their immediate and long-term needs and choose options that will help them achieve their goals. When you want to explore options for protecting your home, personal property, or financial future, I’m available to answer your questions. If you’re already a customer, I’m ready to review your coverage so that you can make any necessary adjustments to fit your changing needs. Call me today.

Part of what I like best about my job is that I can offer customers options for a wide variety of coverage and services. You can depend on me to help you look at the big picture.

Products we offer:

Car Insurance Agent in Niceville
Car Insurance Agent in Niceville
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 Niceville
Home Insurance Agent in Niceville
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 Niceville
Condo Insurance Agent in Niceville
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 Niceville
Renters Insurance Agent in Niceville
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.
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Landlords & Hosts Insurance Agent in Niceville
Landlords & Hosts Insurance Agent in Niceville
Helps protect the structure of your rental property, from covered accidents such as fire, wind/hail, vandalism and more. It also offers protection for the liability you might face as an owner. Let’s chat about the right coverage for your additional property!
Motorcycle Insurance Agent in Niceville
Motorcycle Insurance Agent in Niceville
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.
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Business Insurance Agent in Niceville
Business Insurance Agent in Niceville
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 Niceville
Life Insurance Agent in Niceville
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 Niceville
ATV Insurance Agent in Niceville
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 Niceville
Boat Insurance Agent in Niceville
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!

Years in the
Community

Allstate Insurance Agent Reviews

barbara underwood

Apr. 21, 2026

Agent Response

Thank you, Barbara, for your wonderful review! We'

Thank you, Barbara, for your wonderful review! 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.

james stacy

Apr. 9, 2026

william allen

Mar. 31, 2026

Expensive.

Agent Response

Thank you for your feedback, William. We understan

Thank you for your feedback, William. We understand that cost is an important factor, and we appreciate your perspective. If you have any questions or need further assistance, please feel free to reach out to lcoughlin@allstate.com.

donald brooks

Mar. 11, 2026

No problem with agency. Problem is with Allstate. Cancelled my home owners insurance and increased my automobile insur

No problem with agency. Problem is with Allstate. Cancelled my home owners insurance and increased my automobile insurance to the point that I went another company that appreciates my business.

Agent Response

Hi Donald, Thank you for the positive feedback abo

Hi Donald, Thank you for the positive feedback about the agency itself. I'm sorry to hear about your experience with Allstate. We value your feedback and would like to discuss this further. Please reach out to lcoughlin@allstate.com so we can address your concerns. Thank you for sharing your thoughts.

sara allenger

Jan. 4, 2026

I switched my auto insurance to Allstate last year and I've been very pleased. Happy New Year!

martha stalling

Jan. 3, 2026

christopher ross

Jan. 2, 2026

Love my experience so far as a customer. Easy and friendly communication

mark mello

Dec. 28, 2025

paul moore

Dec. 21, 2025

Agent Response

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

Thank you, Paul, for your positive feedback! We're thrilled to hear that you're satisfied with our services. Your trust and support mean a lot to us. If you ever need assistance or have questions, feel free to reach out. We're here to help!

rory coughlin

Dec. 18, 2025

Agent Response

Thank you for the positive review!

sarita carriveau

Dec. 13, 2025

Very well

Agent Response

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

Thank you, Sarita, for your positive feedback! We're glad to hear that your experience was very well. If you have any further questions or need assistance, feel free to reach out. Your satisfaction is important to us!

destiny hill

Dec. 11, 2025

I always get excellent service!

Agent Response

Thank you so much, Destiny, for your wonderful fee

Thank you so much, Destiny, for your wonderful feedback! We're thrilled to hear that you're consistently receiving excellent service. Your satisfaction is our top priority, and we truly appreciate your support. If you ever need anything, feel free to reach out.

amy bridge

Oct. 7, 2025

Agent Response

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

Thank you, Amy, for your positive feedback! We're thrilled to know 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.

jane kinsey

Apr. 2, 2025

Pleasant office staff - very accommodating and helpful!

Agent Response

Thank you Jane!

adriane flores

Feb. 16, 2025

meredith kipp

Dec. 24, 2024

Agent Response

Thank you Meredith!

felix beukenkamp

Nov. 28, 2024

Good service, great people.

Agent Response

Thank you Felix. Please let us know what we can do

Thank you Felix. Please let us know what we can do to make it 5 stars next time.

kenneth barnhart

Nov. 6, 2024

Always happy to take the time to explain any questions I have.

Agent Response

Thank you Ken! Always a pleasure working with you

Thank you Ken! Always a pleasure working with you and your family.

terry fraley

Nov. 5, 2024

No feelings. All done by computer. Starting to look for different insurance. Cheaper priced. Home insurance was can

No feelings. All done by computer. Starting to look for different insurance. Cheaper priced. Home insurance was canceled. Had to go with different companies that is more expensive.

barbara van ness

Nov. 2, 2024

Agent Response

Thank you Barbara! Let us know what we can do to m

Thank you Barbara! Let us know what we can do to make this a 5 star review next time.

Allstate Online Review Policy

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: Closed

Are you open on weekends?

Saturday:
Sunday: Closed

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

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.

Lenny Coughlin is insurance licensed in the state(s) of Florida. If you do not reside in the state(s) of Florida, 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.

you're in good hands^®