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 Insure.com’s rate analysis. 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:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Pensacola, explore the insurance costs for different dwelling coverage, and find out which companies offer 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

Pensacola homeowners pay an average of $533 a month, based on our 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 price of your homeowners insurance policy in Pensacola may vary depending on where you live, the value of your home, and the coverage you choose.

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

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $4,594 per year in Pensacola, FL. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

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

Based on a rate analysis conducted by Insure.com, Pensacola residents pay an average of $6,401 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $1,807 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, 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.

Travelers ranks second, while Heritage Insurance Holdings holds the third spot with an average annual rate of $3,191.

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	$1,866
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

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.