Home Home insurance Average home insurance cost Florida Pensacola, FL How much is homeowners insurance in Pensacola, FL Homeowners insurance typically costs $6,401 annually in Pensacola, according to Insure.com’s rate analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: March 24, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Pensacola is $6,401 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $3,897 more than the national average of $2,504.Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Pensacola depend on several factors, including:Size of your home Age of your home Amount of coverage you need Location 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 discover which companies provide the most affordable home insurance in Pensacola. Key Takeaways In Pensacola, homeowners insurance costs $6,401 annually.Allstate offers the most affordable homeowners insurance in Pensacola with an average annual premium of $1,866.If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $1,807 higher. How much is homeowners insurance in Pensacola per month Residents of Pensacola pay an average of $533 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $152 more than the state average of $381 and $324 more than the national average for home insurance across the United States. 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 amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city. Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage. How much is homeowners insurance for a $300,000 house in Pensacola According to Insure.com’s rate analysis, 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. It is advisable to 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 Among the carriers analyzed, Allstate is the most affordable homeowners insurance company in Pensacola, offering an average annual rate of $1,866, while Travelers ranks second. Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Pensacola and compiled a list of the most affordable options. Below are the details of home insurance companies in Pensacola and their average annual premiums. Home insurance company Annual rate Allstate$1,866Travelers$2,364Heritage Insurance Holdings$3,191Universal Insurance Holding$3,804Citizens Property Insurance$4,708Nationwide$5,194Security First Insurance$6,612Progressive$7,355HCI Group Inc$7,730Amer Integrity Ins Co of FL$8,857FedNat Holding$9,214State Farm$9,446 TIPBundling 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. Common natural disasters in Florida that may affect home insuranceLiving in Florida comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in insurance claims. Understanding which natural disasters are most prevalent in your area is key to choosing the right home insurance policy.Hurricane and Lightning are some of the most common natural disasters in Florida that could impact your home insurance rates.How home insurance protects you against natural disastersHome insurance plays a crucial role in protecting your home and belongings in case of natural disasters. Events such as hurricanes, floods, earthquakes and wildfires can cause significant damage, and home insurance helps by covering the costs of repairs or replacement of your property. Depending on your policy, it may also provide coverage for temporary living expenses if your home becomes uninhabitable.In addition to physical damage, home insurance typically covers liability costs if someone is injured on your property. This added protection gives homeowners peace of mind, knowing they have financial support during difficult times.A standard home insurance policy may not cover all-natural disasters. Review your policy carefully to ensure you’re covered for the specific risks. 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 $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other cities?Boca RatonFort LauderdaleHavanaMelbourneMount DoraSan AntonioSydneyTampaShivani GiteContributing 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. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? 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By Sarah Sharkey Cost of living comparison by state By Chris Kissell Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel On this page How much is homeowners insurance in Pensacola per month How much is homeowners insurance for a $200,000 house in Pensacola How much is homeowners insurance for a $300,000 house in Pensacola How much is homeowners insurance in Pensacola by companyCommon natural disasters in Florida that may affect home insuranceHow home insurance protects you against natural disasters Methodology ZIP Code Please enter valid ZIP See rates