Pensacola Insurance Rates:

Pensacola, FL home insurance is about $976 to $1,324, about $81-$110/month. Our all inclusive analysis reveals consumers can save as much as $460 by getting multiple quotes

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Pensacola, Florida Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Pensacola Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $450/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Baths 2340 sqft Vacation Property Constructed In 1983 with Linoleum, Metal Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $770/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Bath 2160 sqft Primary Residence Constructed In 1989 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Married Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1570/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 1410 sqft Vacation Property Constructed In 1961 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Married Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $3650/7 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $390,000

5 Beds, 5 Baths 4070 sqft Primary Residence Constructed In 1969 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2930/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Bath 2370 sqft Primary Residence Constructed In 1968 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, Fireplace, Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $1300/4 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Baths 1989 sqft Primary Residence Constructed In 2003 with Stone Flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Married Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Pensacola, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32505 $86,000 $1,130
32504 $160,200 $1,180
32507 $154,100 $1,180
32514 $145,900 $1,170
32503 $141,700 $1,170
32506 $130,300 $1,160
32526 $125,000 $1,150
32534 $119,500 $1,150
32501 $115,300 $1,140

Pensacola Rates & Quotes Analysis:

Pensacola Area Estimated House Insurance
S Clubbs St, Godwinson Rd, Heinrich St, Free Board Blvd, Jacquelyn Way, North Ave, River Gardens Cir, Hertz St, Arbor Dr, Gail Dr$None
Shorewood Dr, Atlanta Ave, Chesterfield Rd, Peperidge Dr, Kingfisher Ct, Tonbridge Cir, Meldum Ave, E Main St, Esther St, Lakewood Rd$1,127
Fitzgerald St, Yancey Ave, Zurich St, Homewood Rd, Cll Marbella, Johnson's Beach Rd, Doris Ave, Nagel Dr, Saufley Field Rd, Molaree Dr$1,269
Massachusetts Ave, E Hatton St, Cypress St, Hansen Blvd, Buford Cir, Uratan Pl, Windtrace Ct, Sharpsburg Loop, Gunter Rd, Magaha Ln$1,155
Diamond Rd, Rainbow Ave, Price St, Dale Flowers Dr, San Dollar Cir, Onyx Trl, Surfview Dr, Greenwood Ln, Kathryn Dr, Flowers St$1,150
Chief's Way, Impala Ct, Tillman Cir, Shoal Creek Ct, Swan Ln, Lucida Ln, Pelham Rd, Reed Rd, Wilkes Dr, Schwab Dr$1,125
Ringgold Dr, Lovaleen Cir, Cloverland Ct, Riddick Dr, Balderas Ave, Brent Ln, Knight Dr, Whaley Ave, Ironwood Rd, Heinberg St$1,137
Bedgood Ln, Baird St, Widows Ln, Quietwater Beach Rd, Poinciana Dr, 6th St, W Romana St, Clydesdale Dr, Chiquita Dr, Lago Vista Ct$1,154
W Cross St, Cameron Dr, W Main St, Tonawanda Dr, Menewa Path, Meade Dr, Abel Ct, N 10th Ave, Pinnacle Dr, Pleasant Ave$1,138
Katie Mae Ln, Kipling St, Untreiner Ave, Palomar Dr, Lenora St, Elmcrest Dr, Portland St, Glendower Ct, Mindoro Cir, Lieutenant Dr$1,147

Insurance rates are influenced by a number of factors including:

  • Year Built: 21,446 Homes (19% of total homes ) built between 1970 to 1979 in Pensacola are paying home insurance between $1,865-$1,882. Places close to Pensacola, FL such as Gulf Breeze, Oriole Beach, Tiger Point are more expensive by $117, $54, $95 respectively while Warrington and Myrtle Grove are cheaper by $29 and $15 respectively for similar homes.
  • Bedrooms: 29,666 2 bedrooms homes (26% of total homes ) in Pensacola are paying about $667 compared to Gulf Breeze (+$42), Oriole Beach (+$20), Tiger Point (+$34), Warrington (-$10) and Myrtle Grove (-$5).
  • Auto Insurance Bundling: 24,814 Households (45% of all households) in Pensacola have 2 vehicles available and when it is bundled with home insurance you can save $230. Discounts for similar bundling in close by locations such as Warrington, Myrtle Grove, West Pensacola come to $226, $228, $224 respectively.
  • Senior Discounts: 30,245 seniors (more than 55 years) occupied housing units (55% of total) in Pensacola get discounts between $172 to $174. The comparative concessions in proximate regions such as Warrington, Myrtle Grove and West Pensacola are $169, $171 and $168 respectively.
  • New Homes discounts: New homes such as the 45,423 homes built between 2000 to 2009 in Pensacola can save $230 compared to Warrington ($226), Myrtle Grove ($228), West Pensacola ($224).

Pensacola Homeowners insurance Facts

  • Pensacola, FL has 54,463 owner occupied houses which is 61.3% of all units whereas Warrington, Myrtle Grove and West Pensacola have 61.83%, 56.21% and 52.11% respectively.
  • Pensacola, FL homeowners yearly insurance price at $1,150 is 0.88% of the typical house value of $131,200 which is in contrast with 1.12% in Warrington, 0.98% at Myrtle Grove & 1.36% in West Pensacola.
  • Homeowners in Pensacola, FL pay 4.18% of their income ($25,000 to $29,999) in insurance whereas homeowners in Warrington, Myrtle Grove and West Pensacola pay 4.12%, 4.15% and 4.08% respectively.
  • Pensacola, FL’s insurance is 7.6% of monthly housing costs of $1,264/month, for owners with a mortgage compared to 8.33% in Warrington, 8.32% at Myrtle Grove & 9.4% in West Pensacola. But, for households without a mortgage, insurance is 23.6% of costs ($406 in Pensacola, FL) in contrast with 26.57% in Warrington, 26.1% at Myrtle Grove & 31.99% in West Pensacola.

Pensacola, FL Home Values & Insurance rates

For example, insurance for 3,749 Homes (7.0% of total homes ) valued between $80,000 to $89,999 in Pensacola, FL is about $736. Rates in nearby areas in such as Gulf Breeze, Oriole Beach, Ferry Pass are cheaper by $333, $204, $65 respectively while Warrington and Myrtle Grove are costlier by $214 and $96 respectively for similar homes.

Pensacola, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 4,587 8.0% $218
$50,000 to $59,999 1,702 3.0% $460
$60,000 to $69,999 2,706 5.0% $563
$70,000 to $79,999 2,836 5.0% $655
$80,000 to $89,999 3,749 7.0% $736
$90,000 to $99,999 3,046 5.0% $828
$100,000 to $124,999 7,206 14.0% $954
$125,000 to $149,999 5,702 11.0% $1196
$150,000 to $174,999 6,097 11.0% $1414
$175,000 to $199,999 3,328 6.0% $1633
$200,000 to $249,999 4,504 8.0% $1966
$250,000 to $299,999 3,023 5.0% $2403
$300,000 to $399,999 2,490 4.0% $3059

Renters Insurance in Pensacola

  • Average Renters Insurance in Pensacola :  $172($14/month)

  • Median Gross Rent in Pensacola :  $855

  • Pensacola Renters Insurance to Median Rent Ratio:  1.64%

  • Renter occupied housing units in Pensacola :  34,460

Pensacola Renters Insurance as a Percentage of Rent

Pensacola Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 438 1.0% $343
$200 to $299 978 2.0% $793
$300 to $499 2,004 6.0% $1243
$500 to $749 8,298 25.0% $1918
$750 to $999 10,715 32.0% $2668
$1,000 to $1,499 8,198 25.0% $3793
$1,500 or more 1,993 6.0% $5443

Rent Affordability in Pensacola:

Approximately 51.0% (17,641) of households are spending more than 35% of their income on gross rent in Pensacola

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,381 6.0%
15.0 to 19.9 percent 2,797 8.0%
20.0 to 24.9 percent 4,497 13.0%
25.0 to 29.9 percent 3,477 10.0%
30.0 to 34.9 percent 3,667 10.0%
35.0 percent or more 17,641 51.0%

Pensacola Renters Insurance Discounts:

Pensacola Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Pensacola, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 17,515 50.0% $17.2
2 vehicles available 9,333 27.0% $25.8
3 or more vehicles available 2,133 6.0% $34.4

Pensacola Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 2,364 6.0% $85
60 to 64 years 1,572 4.0% $68
65 to 74 years 2,293 6.0% $55
75 years and over 1,919 5.0% $42

Protective device discount in Pensacola Up to :  $25

Claims-free discount in Pensacola Up to :  $34