How much is homeowners insurance in Pensacola, FL

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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.

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.

Common natural disasters in Florida that may affect home insurance

Living 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 disasters

Home 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.

Shivani Gite

Contributing Writer

 

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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.

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