Tallahassee Insurance Rates:

Tallahassee ,FL Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Tallahassee, FL homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Tallahassee, FL is $1961. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Tallahassee, FL: Customer-Reviewed Options


Tallahassee, FL Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Tallahassee, FL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Tallahassee, FL.

Coverage Level Average Annual Premium
$100,000 $784
$200,000 $1,333
$300,000 $1,647
$400,000 $2,510
$500,000 $3,157


Tallahassee, FL Homeowners Insurance Rates by ZIP Code

Home insurance costs in Tallahassee can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
032310 $1,758
32312 $1,938
32308 $1,872
32311 $1,871
32303 $1,816
32301 $1,816
32304 $1,788


Tallahassee, FL Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Tallahassee, FL, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,011
$1000 Deductible $1,798
$1500 Deductible $1,696
$2500 Deductible $1,530
$5000 Deductible $1,294



Top Home Insurance Agents Near Tallahassee, FL

Home Insurance Company Near Tallahassee, FL Homeowners Insurance Agency Near Tallahassee, FL Address
NA Mckee Insurance Agency, Llc 1785 Thomasville Rd, Tallahassee, FL, 32308
NA Bb&T - Landrum Yaeger 3375-B Capital Circle Ne, Tallahassee, FL, 32308
State Farm Bill Reardon 2108 Delta Way, Tallahassee, FL, 32303
Travelers North Florida Agents Network 2958 WELLINGTON CIR STE 200, TALLAHASSEE, FL, 32309
Liberty Mutual Independent Rogers Gunter Vaughn Ins Inc 1117 THOMASVILLE RD, TALLAHASSEE, FL, 32303

Tallahassee, FL Home Insurance Agents for Top Companies


Tallahassee, 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
Tallahassee East CCD, Leon County, Florida $147 $195 $293
Leon County, Florida $148 $197 $296
Tallahassee Northeast CCD, Leon County, Florida $154 $205 $308


Tallahassee, 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
Tallahassee, FL6.6%20.4%
Tallahassee East7.5%23.37%
Leon County6.6%20.86%
Tallahassee Northeast5.44%17.1%

Tallahassee Renters Insurance as a Percentage of Rent

Tallahassee Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 441 1.0% $334
$200 to $299 653 1.0% $784
$300 to $499 1,616 3.0% $1234
$500 to $749 9,166 22.0% $1909
$750 to $999 13,052 31.0% $2659
$1,000 to $1,499 11,962 29.0% $3784
$1,500 or more 4,286 10.0% $5434

Cost Of Homeowners Insurance By Street Near Tallahassee, FL

Streets in Tallahassee Area Homeowners Insurance Cost
E Pensacola St, Lake Bradford Rd, Jamestown Ct, Bannerman Rd, Gaile Ave, Tecumseh Dr, Mound Dr, Sunlight Ter, Fanta St, Meadowood Ct$1,296
Oakmont Rd, Live Oak Dr, Denholm Dr, Jodphur Ct, Crystal Rd, Parkbrook Ln, Junwin Ct, Two Pond Rd, Moore Ct, Colorado St$1,254
Meridian Hills Rd, Hastie Rd, Rain Valley Ct, Carissa Dr, Tall Stand Ct, Cactus St, Augustine Pl, Vega Dr, Evening Breeze Ln, Mayhew St$1,302
Mary Cedar, Stallion Ave, Surrat Ln, Floam Ave, Stone Greene St, Mary Ellen Dr, Ohbah Nene, Tanbark Pl, Delta Ct, Brackett Ln$1,160
Leewood Dr, Goshawk Way, Fairbanks Ferry Ct, Aenon Church Rd, Gunda Rd, Pauline Trl, Centerville Ct, Darryl Dr, Branbury Ln, Rose St$1,155
Climbing Way, Martin St, Municipal Way, San Martin Dr, Vanderbilt Ct, Ellonford Pl, Piney Grove Dr, Emerald Chase Dr, Railroad Ave, Dorsey Dr$1,272
Johnston St, Champagne Dr, Ruby Rd, Markim Rd, Oak Hammock Ct, Hutchinson St, Back Forty Rd, Sauls St, Navarre Blvd, Daniels St$1,114
W College Ave, Bilbrey Dr, Middlewood Dr, Dale St, Piedmont Way, Soloman Ct, Swatts Rd, Holyoke Ct, Doe Run Rd, Arklow Dr$1,253
Central St, Country Club Dr, Letitia Ln, S Woodward St, Atlantis Pl, Northbrooke Ln, Wow Rd, Carnaby Ct, W Van Buren St, Glenview Dr$1,228
Shady View Ln, Honeysuckle Dr, Kilkenny E, Tallow Point Rd, Brittany Blvd, Bellington Ct, McKeithen St, Barineau Rd, Mills St, Sharer Ct$1,275

Tallahassee, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Tallahassee$177 to $179
Tallahassee East$175
Leon County$177
Tallahassee Northeast$184

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Integrity Insurance $1,542
150,000 27 NO Security First Insurance $839
150,000 27 NO Southern Oak Insurance $1,229
150,000 27 NO Stillwater Property And Casualty Insurance $1,275
150,000 27 NO Tower Hill Preferred Insurance $1,404
150,000 27 YES American Integrity Insurance $1,269
150,000 27 YES Auto Club Insurance $1,255
150,000 27 YES Federated National Insurance $979
150,000 27 YES First Community Insurance $1,246
150,000 27 YES Florida Farm Bureau Casualty Insurance $727
150,000 27 YES Universal Property & Casualty Insurance $543
300,000 12 NA American Integrity Insurance $1,616
300,000 12 NA Citizens Property Insurance $1,079
300,000 12 NA St. Johns Insurance $1,375
300,000 12 NA Tower Hill Preferred Insurance $1,387
300,000 12 NA Tower Hill Prime Insurance $1,252
300,000 12 NA Tower Hill Select Insurance $1,287
300,000 12 NA Tower Hill Signature Insurance $2,028
300,000 12 NA United Property & Casualty Insurance $1,161
300,000 12 NA Universal Property & Casualty Insurance $995


Tallahassee, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Tallahassee Homeowner Insurance Premium Example $3,200$2,400
Out of Pocket Expense During Claim$600$4,600
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $19,800$19,000
Net Savings to Tallahassee Home Owner from High Deductible Plan $800


Tallahassee, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Tallahassee, FL Home Replacement Value MORE than Home Value Tallahassee, FL Home Replacement Value LESS than Home Value
Replacement Value $390,500 $256,000
Insurance Premium based on Replacement Value $8,050 $5,275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $64,000 Risk Exposure from Under Insuring Coverage is $70,500
Premium Impact Insurance cheaper by $1,450/year Insurance costlier by $1,325/year


Example Tallahassee Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceGEICO InsuranceState Farm
Monthly Premium 175424198
Year Built 198619952014
Home Details 3 Beds, 1 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $200000-$250000$350000-$400000$175000-$200000
Deductible > $10,000 Deductible> $10,000 Deductible$5000 to $10,000 Deductible