• Home Insurance

  • Auto Insurance

  • Boat and Marine Insurance

  • Life Insurance


Destin, Florida’s Preferred Auto, Home, Life and Health Insurance company, get a Quote Now.


Affordable Home Insurance Inc.

Thank you for visiting Affordable Home Insurance, Inc. website! AHI was founded in 2006 by Dennis P. Gagnon, Jr. after he decided to leave Florida Farm Bureau. He realized that offering consumers more insurance choices was the clear angle to help customers save money.  Most consumers do not realize that captive agents (agents who work for larger national carriers like State Farm, Allstate, Farm Bureau, etc.) are handicapped to offer their clients ONLY insurance carriers that corporate allows them to represent. Ultimately, this means that captive agents have far less choices for consumers.

Since 2006, AHI has added more and more insurance carriers, which in turn has saved its customers many thousands of dollars. This is accomplished by simply “shopping” insurance rates for its customers utilizing approximately 93% of all the available carriers.  Again, the sheer number of carriers AHI is appointed with is the key to keeping customers rates in check year after year.

Additionally, our growth (since 2006) has allowed us to compile a staff of over 14 insurance professionals.  8 fulltime, licensed insurance agents have the training and experience that some other agencies simply do not have, to help even in the most difficult of scenarios.

Finally, AHI would like to issue a whole hearted thank you to all of our existing policy holders and people who refer AHI to their family, friends, and clients. AHI would not be where it is today or have experience its tremendous growth, without all their historical efforts – THANK YOU!


Dennis P. Gagnon, Jr

Destin – Santa Rosa Beach – Fort Walton Beach – Niceville – Bluewater Bay – Navarre – 30A – Seagrove Beach – Watercolor Sandestin – Seaside – Dune Allen Beach   Blue Mountain Beach – Freeport – Rosemary Beach – Mary Esther – Shalimar Crestview – Eglin AFB – Hurlburt Field

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