Pensacola Insurance Rates:

Pensacola, FL homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

I have no particular preferences for insurance companies. It's always fine until they screw you over.
They've paid out for claims in the past. I've only had to sue them on one occasion and we settled the matter amicably.
State Farm
I don't know how much different they are compared with other companies since we've had them so long, 15+ years. Their customer service and ability to get a hold of the rep have been really good.
I would definitely recommend, i believe they are the best for your buck.
they were fast to send out an adjuster after we had damage to the structure from a forklift incident involving construction at the lot next door. They were professional and mostly very responsive.
Compared to other competing insurance rates my company's premium and deductible seems to be the lowest of all competing companies.
So I just recently switched the home insurance company to Allstate. I was paying way too much for my previous home insurance which was not worth it whatsoever. Then one of my friend recommended this and I love it.
As far as I know, everything that USAA offers is on par with all other competitors in this space. I have never been looking for a service offered and found that they did not have it. I am satisfied overall.
I am extremely happy with how Geico is treating me with home and car insurance. If I ever have a problem their customer support is there and always able to help.
American Integrity Insurance
My insurance company is in line with other insurance companies in Florida. I have full coverage except for flood (I don't live in a flood zone) and I don't have sinkhole coverage, which is normal for the area of Florida that I live in.
State Farm
I would give the insurance company a rating of 4 because the reps overall have been gracious and kind and try to help in every way to try to answer my questions. They are friendly.
Liberty Mutual
Liberty mutual has a very user-friendly website which allows costumers to conveniently manage their accounts online. customers could make changes, provide updates, and pay premiums online. the website allows customers to request a claim quickly online with a response within 24 hours.
State Farm
Sometimes they can be pushy when they want you to add a new policy to your current one. i don't like to feel pressured.
State Farm
I like the fact that i get a discount if i order multiple types of services from my insurer. when i do this, my costs are lower.
State Farm
I have never had a problem with State Farm's customer service. I have had a lot of success with their customer service. I have not had to wait on the phone excessively, and the service agent always answered my questions promptly and thoroughly.
Geico, along with many other insurance companies, It do not always cover everything in my home. It seems there are different tiers of coverage that tend to be very pricey the more coverage you have.
State Farm
It's a great company, a little pricey but I think they charge the extra because how much care they take into their customers and quality of work.
State Farm
I like the personal interaction with the representative, I like the easy to use portal, I like the low rates, I simply enjoy feeling protected and secure without any headaches or frustration or insecurity about what if something goes wrong or what do we do if they do not protect us like they say they would- those thoughts aren't even a concern to us with State Farm. We have total confidence in the company and the representatives because they actually seem to care
Citizens Property Insurance
Their customer service, their low coverage policies, the fact that brokers do not like dealing with them, so even a simple act of paying your premium can be a hassle as they are the only company that requires a check payment - will not accept cash or credit card through every other company will. I think they do not care about their customers as they have been given a monopoly on difficult to insure properties in Florida.
It's the most well-established company, that had the most reasonable premiums I could find. The website is user-friendly, and I haven't had any problems so far.
I guess the premiums could be cheaper, but they're on par with other insurance companies, so that's not really a strike against them rather than against all insurance companies. The upload feature on the website has taken more than one try, in the past, to get documents to upload. And that's about it.
Horace Mann Educators Corporation
It's relatively bare bones so I think there's lots of room for improvement. I don't use it as often as other apps because I find the website more convenient.
Liberty Mutual
I like that their coverage is very thorough and comparable with other large companies, but I get the convenience of a local agent and customer! Service.
They answer the phone usually when you call. You can actually get to a human being. The problem I have is when they are not responsive to you, which is infrequent.
This is by far the best company I have ever done business with. I have checking, savings, and many other accounts with them along with insurance. They are awesome.
My company has great rates, premiums, and customer service. since it hasn't been beaten by any other company, I'll stay with them
National General
I like the fact that the customer service is quick, friendly and professional when they are contacted and do try to resolve issues in a timely manner.
State Farm
I dislike that the agents can be somewhat slow when responding to certain issues, and I also do not like when they try to "meet us" to sell more products.
I would highly recommend Allstate. They have great customer service! They are always curious when you call them. The prices are good as well.
I would recommend without a doubt to my colleagues this company for its quality of service and efficiency when working
Assurant Specialty Property
I would recommend this company because their rates are affordable. Also you can customize your insurance based on several criteria like the value of assets, etc. Furthermore, it's very easy to renew the policy. I like that the policy can be viewed and changed as well as paid or renewed online.
Being a Army veteran and having a son that is also in the Arm forces I have already recommended him to go with USSA and will recommended to any Military member.
They seem like a good company that stands behind what they sell. They didn't try to get out of paying my water damage claim and were very efficient about it. I like that the company sent someone out who identified with me as a homeowner and was likable
They are a bit higher in premium than other companies but I feel that their superior products and services offset the higher cost.

Pensacola, FL Homeowners Insurance By Home Value

Pensacola, FL Home Value Total Homes % of Total Average Pensacola, FL 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

Top Home Insurance Agents Near Pensacola, FL

Home Insurance Company Near Pensacola, FL Homeowners Insurance Agency Near Pensacola, FL Address
NA D.E. Reed Agency, Inc. Dba Dave Reed Insurance 2740 Creighton Rd, Pensacola, FL, 32504
NA Ellis Insurance Agency 18 Racetrack Rd Nw , Fort Walton Beach, FL, 32547
NA Williams Insurance Agency, Llc 301 Government Ave, Niceville, FL, 32578
NA Underwood Anderson & Associates, Inc. 3036 Pkwy , Gulf Breeze, FL, 32563
State Farm Eric Cabaniss 6373 Highway 90, Milton, FL, 32570-4521

Pensacola, FL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Pensacola, FL

Streets in Pensacola Area Homeowners Insurance Cost
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

Pensacola, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Pensacola$172 to $174
Myrtle Grove$171
West Pensacola$168

Pensacola, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Warrington CDP, Florida $170 $226 $339
Myrtle Grove CDP, Florida $171 $228 $342
West Pensacola CDP, Florida $168 $224 $336

Pensacola, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Pensacola, FL7.6%23.6%
Myrtle Grove8.32%26.1%
West Pensacola9.4%31.99%

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

Average Cost Of Home Insurance By Company In Areas Nearby Pensacola For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Federated National Insurance $3,395
150,000 27 NO First Protective Insurance $2,015
150,000 27 NO Florida Farm Bureau Casualty Insurance $3,970
150,000 27 NO Florida Peninsula Insurance $2,454
150,000 27 NO Southern Fidelity Insurance $2,628
150,000 27 NO Southern Oak Insurance $3,025
150,000 27 NO Tower Hill Signature Insurance $3,353
150,000 27 NO United Property & Casualty Insurance $3,121
150,000 27 YES First Protective Insurance $1,051
150,000 27 YES Florida Farm Bureau Casualty Insurance $1,197
150,000 27 YES Security First Insurance $1,313
150,000 27 YES Southern Fidelity Insurance $1,828
150,000 27 YES Tower Hill Select Insurance $1,423
150,000 27 YES United Property & Casualty Insurance $988
300,000 12 NA American Integrity Insurance $3,246
300,000 12 NA First Community Insurance $2,998
300,000 12 NA Florida Farm Bureau Casualty Insurance $2,421
300,000 12 NA Florida Peninsula Insurance $2,632
300,000 12 NA State Farm Florida Insurance $3,174

Pensacola, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Pensacola Homeowner Insurance Premium Example $3,700$3,500
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $30,400$29,800
Net Savings to Pensacola Home Owner from High Deductible Plan $600

Pensacola, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Pensacola, FL Home Replacement Value MORE than Home Value Pensacola, FL Home Replacement Value LESS than Home Value
Replacement Value $152,500 $110,500
Insurance Premium based on Replacement Value $2,775 $2,000
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,500 Risk Exposure from Under Insuring Coverage is $17,500
Premium Impact Insurance cheaper by $325/year Insurance costlier by $450/year

Example Pensacola Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceState FarmAllstate
Monthly Premium 93152816
Year Built 200419892014
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $50000-$75000$150000-$175000$400000-$500000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Pensacola, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1987 165,000 Membrane Roof 2,200 3 $500- $1000 Deductible 3250 12 Vinyl siding No
2006 135,000 Shingles Roof 1,870 4 $500 Deductible 3600 12 Stone Siding No
1970 170,000 Membrane Roof 2,380 3 $5000 to $10,000 Deductible 1500 9 Stone Siding yes
1967 175,000 Shingles Roof 1,740 5 $1000-$2500 Deductible 1650 7 Stone Siding No
1972 255,000 Wood Shake Roof 2,820 4 $500- $1000 Deductible 2810 7 Wood siding No
1989 280,000 Shingles Roof 2,940 4 $500- $1000 Deductible 3070 10 Stucco siding yes
2010 165,000 Metal Roof 1,700 4 $1000-$2500 Deductible 1760 10 Brick siding No
1977 135,000 Tile Roof 1,920 4 $2500-$5000 Deductible 390 2 Brick siding No
1973 305,000 Membrane Roof 3,230 5 $500 Deductible 990 2 Fiber-Cement Siding yes
2003 95,000 Wood Shake Roof 1,290 3 $500 Deductible 270 2 Stone Siding No
1977 220,000 Tile Roof 2,430 4 $5000 to $10,000 Deductible 1970 12 Stucco siding yes
1984 135,000 Composition Roof 1,920 5 $2500-$5000 Deductible 1650 8 Wood siding No
1964 415,000 Composition Roof 4,180 5 $500 Deductible 1050 2 Brick siding yes
1991 270,000 Wood Shake Roof 2,710 4 $500 Deductible 930 3 Vinyl siding yes
1971 285,000 Slate Shingles Roof 2,910 4 $1000-$2500 Deductible 330 1 Stone Siding No
1980 285,000 Composition Roof 2,950 5 $500- $1000 Deductible 2340 5 Wood siding yes
1960 335,000 Composition Roof 3,510 5 $500 Deductible 6200 12 Stucco siding yes
2000 130,000 Shingles Roof 1,830 4 $1000-$2500 Deductible 1490 8 Stucco siding yes
2013 325,000 Slate Shingles Roof 3,270 4 $500- $1000 Deductible 3980 8 Brick siding yes
2014 110,000 Membrane Roof 1,640 3 $1000-$2500 Deductible 1190 9 Brick siding yes
1980 135,000 Asphalt Shingles Roof 1,890 3 $500 Deductible 1560 7 Wood siding yes
1975 100,000 Metal Roof 1,500 5 $2500-$5000 Deductible 640 4 Vinyl siding No
1971 115,000 Shingles Roof 1,320 3 $500- $1000 Deductible 2040 9 Wood siding yes
1990 170,000 Slate Shingles Roof 2,410 4 $500 Deductible 3010 12 Wood siding yes
1993 105,000 Composition Roof 1,550 3 $2500-$5000 Deductible 1100 9 Wood siding No
1983 185,000 Metal Roof 2,340 3 $1000-$2500 Deductible 450 2 Fiber-Cement Siding yes
1989 155,000 Asphalt Shingles Roof 2,160 3 $500- $1000 Deductible 770 3 Wood siding yes
1961 100,000 Metal Roof 1,410 3 $500- $1000 Deductible 1570 12 Wood siding No
1969 390,000 Asphalt Shingles Roof 4,070 5 $5000 to $10,000 Deductible 3650 7 Stucco siding yes
1968 220,000 Membrane Roof 2,370 3 $1000-$2500 Deductible 2930 12 Wood siding No
2003 175,000 Composition Roof 1,989 4 $500 Deductible 1300 4 Fiber-Cement Siding yes

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