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.
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 |
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 |
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 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Tallahassee, FL | 6.6% | 20.4% |
| Tallahassee East | 7.5% | 23.37% |
| Leon County | 6.6% | 20.86% |
| Tallahassee Northeast | 5.44% | 17.1% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Tallahassee | $177 to $179 |
| Tallahassee East | $175 |
| Leon County | $177 |
| Tallahassee Northeast | $184 |
| Home value ($) | 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 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $600 | $4,600 |
| 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 | |
| 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 |
| Insurance Company | Chubb Group of Insurance | GEICO Insurance | State Farm |
| Monthly Premium | 175 | 424 | 198 |
| Year Built | 1986 | 1995 | 2014 |
| Home Details | 3 Beds, 1 Baths | 5 Beds, 2 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $200000-$250000 | $350000-$400000 | $175000-$200000 |
| Deductible | > $10,000 Deductible | > $10,000 Deductible | $5000 to $10,000 Deductible |