How much is homeowners insurance in Pensacola,FL

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In Pensacola, homeowners pay an average annual rate of $6,401 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to our data. This is $3,897 more than the national average of $2,504 .

Homeowners insurance premiums can vary significantly from one property to another. In Pensacola, the cost of home insurance is influenced by several factors, including:

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

Allstate is the cheapest homeowners insurance company in Pensacola with an average annual premium of $1,866 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Pensacola. Keep reading to learn about the monthly cost of homeowners insurance in Pensacola, the cost for different dwelling coverage levels, and which companies provide the most affordable home insurance in Pensacola.

Key Takeaways

Homeowners insurance costs $6,401 per year in Pensacola.
At $1,866 per year, Allstate offers the cheapest homeowners insurance in Pensacola.
Your home insurance rates increase by $1,807 more annually if you increase your dwelling coverage from $200,000 to $300,000.

How much is homeowners insurance in Pensacola per month

Residents of Pensacola pay an average of $533 a month for homeowners insurance. It’s $152 more than the state average of $381 and $324 more than the national average for home insurance across the nation.

The cost of your homeowners insurance policy in Pensacola may change based on location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Pensacola

The average cost of homeowners insurance in Pensacola, FL is $4,594 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

How much is homeowners insurance for a $300,000 house in Pensacola

Homeowners in Pensacola typically pay an average of $6,401 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $1,807 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

How much is homeowners insurance in Pensacola by company

After comparing several homeowners insurance companies, Allstate offers the lowest rates in Pensacola. Its average annual rate for homeowners in Pensacola is $1,866 , while Travelers is the second-cheapest.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Pensacola and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Pensacola and their average annual premiums.

Home insurance company	Annual rate
Allstate	$1,866
Travelers	$2,364
Heritage Insurance Holdings	$3,191
Universal Insurance Holding	$3,804
Citizens Property Insurance	$4,708
Nationwide	$5,194
Security First Insurance	$6,612
Progressive	$7,355
HCI Group Inc	$7,730
Amer Integrity Ins Co of FL	$8,857
FedNat Holding	$9,214
State Farm	$9,446

Bundling your home insurance with other policies, like auto insurance, can lead to significant savings. Insurance companies often offer discounts for customers who combine multiple policies. By bundling, you can reduce your premiums and manage your insurance needs with one company.

Natural disasters in Florida that can impact your home insurance

Living in Florida comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.

By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.

Florida is commonly affected by Hurricane and Lightning.

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance pays for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

Pro tip: Review your policy annually

There’s little time to prepare for a natural disaster, and it’s too late to make changes once a storm is on the radar. Make sure your homeowners insurance includes coverage for the types of disasters common in your area. Standard policies don’t always cover everything, like flood damage, so double-check exclusions and consider add-ons if you need them.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Pensacola for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.