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State Farm® Insurance Agent

James Sater

James Sater Ins Agcy Inc

(850) 660-5223
111 N County Highway 393 Suite 303
Santa Rosa Beach, FL 32459-1168

Office complex located next to the CEFCO gas station.

Profile photo of a State Farm Agent named: James Sater

Would you like to create a personalized quote?

Office Info

Office Hours

9am - 5pm
Call or text us 24 hours a day!


111 N County Highway 393 Suite 303
Santa Rosa Beach, FL 32459-1168



At State Farm, we understand that summer is a time for relaxation, adventure, and making lasting memories with loved ones. As the warm weather approaches and vacation plans take shape, it's essential to prioritize your insurance coverage. Our team of dedicated risk managers is here to help you navigate the changing insurance needs that come with summer. Whether it's ensuring your home is protected while you're away, updating your auto insurance for those long road trips, or insuring your recreational vehicles for endless summer fun, we've got you covered. Take advantage of this summer season to schedule an insurance review with us and gain confidence knowing that you have the right coverage in place. Let us protect what matters most to you, so you can focus on making the most of your summer adventures.

My team and I would love to discuss your life insurance needs and which options may be right for you and your family. Please stop by for a cup of coffee and to meet our team. We love helping families and businesses within our community as well as those relocating to Santa Rosa Beach, 30A, Inlet Beach, and the Freeport area. Our goal is about making sure that everyone who walks through our doors walks out confidently knowing they are properly covered. We enjoy helping our customers by answering all your questions to help make purchasing insurance as easy as possible. Call or stop in our office today for a FREE Life, Auto, Home, and Health quote. Our office wants to make sure we’ve got you covered for life’s unexpected.

We are your local State Farm agency here in beautiful Santa Rosa Beach. Our office serves Santa Rosa Beach, 30A, Inlet Beach, WaterSound, Point Washington, Freeport, Miramar Beach, Sandestin, Florida and surrounding areas. My wife, son, and I live in the area and have called this home ever since we moved here full time in 2017. Our Office Mission is to redefine the local insurance experience by offering a humble, consultative approach. In addition to taking care of our customers, our agency also invests our time and resources in giving back to our local community. As an active Board Member of Westonwood Ranch, our team helps volunteering and participating in community happenings throughout the year for this great cause. One of the main annual fundraising events is the Westonwood Ranch Rodeo in Freeport, FL. Our team also volunteers every Friday at Caring and Sharing South Walton at the food pantry and hand delivers food and household goods for those in need in our community.

Whether you are a residential customer or new to our area, our professional team will help develop a plan to appropriately insure you. Our office has combined insurance experience with State Farm for over 3 decades. We focus on Auto Insurance, Homeowner's Insurance, Renter's Insurance, Life Insurance, Health Insurance, and Business Insurance / Commercial Insurance throughout the region along Florida's 'Emerald Coast.' We are Kid and Dog Friendly! Please stop by our office for free coffee and a quote. We look forward to meeting you!

Insurance Products Offered

Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet

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Our office grows with you each step of the way, and can have fun while accomplishing your biggest dreams. We work as a team to tackle a primary challenge: how to avoid simply saying what we hoped to do for the community, and actually going out and doing those things for the community. We write Auto Insurance, Home Insurance, Life Insurance, and Business Insurance to cover all of your insurance needs.

27 years of combined industry experience.

Megan Hayden

Account Representative

Reach out to Megan for all of your Auto Insurance, Home Insurance, and Life Insurance needs.


Rusti Fontaine

Account Representative

Reach out to Rusti for all of your Auto Insurance, Home Insurance, and Life Insurance needs.


Katherine Bainton

Customer Service Representative

Available Positions
Please Note: This opportunity is about potential employment with an independent contractor agent who solicits applications for State Farm products and services, and does NOT result in employment with any of the State Farm Insurance Companies. The employment selection decision , terms and conditions of employment (such as compensation and benefits) are all determined solely by the independent contractor agent.