The Best & Cheapest Homeowners Insurance in Pensacola, FL for 2025
Security First offers the cheapest homeowners insurance to homeowners in Pensacola, with an average annual quote of $1,910.
We’ve saved shoppers an average of $450 per year on their home insurance.
In Pensacola, Security First provides the cheapest policy, with average annual rates of $1,910. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.
Pensacola experiences approximately 12 residential burglaries per 1,000 residents annually. Additionally, Pensacola’s rates climb with hurricane winds, flood-zone maps, older wood-frame roofs, termite trouble, and rising rebuild costs.
To help people navigate the tough home insurance market, I researched several options to find you the best and cheapest home insurance companies in Pensacola, FL.
Key Takeaways
Security First provides the cheapest home insurance policy in Pensacola, at an average annual rate of $1,910
The average cost of homeowners insurance in Pensacola is $5,579 per year.
There are various ways to save on your premiums, such as shopping around for quotes and re-assessing your coverage needs.
Cheapest Homeowners Insurance In Pensacola
Security First is the cheapest overall carrier for homeowners insurance in Pensacola, FL, with an average annual rate of $1,910.
| Company | Annual Premium |
| Armed Forces Insurance Exchange | $2,475 |
| Security First | $1,910 |
| American Strategic | $2,915 |
| Florida Peninsula | $2,300 |
| American Integrity | $2,100 |
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Cheapest Homeowners Insurance In Pensacola If You Have Poor Credit
If your credit score is poor, Security First provides the most affordable solution, with an average annual rate of $2,370.
| Insurance Company | Average Annual Premium |
| American Integrity | $2,520 |
| Armed Forces Insurance Exchange | $2,960 |
| Security First | $2,370 |
| American Integrity | $2,520 |
| Florida Peninsula | $2,760 |
Cheapest Homeowners Insurance In Pensacola For Older Homes
For those with older homes, Security First offers the cheapest rates, averaging $2,095 per year.
Older homes often come with unique risks and maintenance issues, which can drive up insurance costs.
| Insurance Company | Average Annual Premium |
| Florida Peninsula | $2,485 |
| Armed Forces Insurance Exchange | $2,630 |
| American Strategic Insurance | $3,075 |
| Security First | $2,095 |
| American Integrity | $2,230 |
Cheapest Homeowners Insurance For Newly Constructed Homes
If you’re the proud owner of a newly constructed home, Security First offers the most cost-effective solution, with an average annual rate of $1,775.
| Insurance Company | Average Annual Premium |
| Armed Forces Insurance Exchange | $2,305 |
| American Strategic Insurance | $2,695 |
| Security First | $1,775 |
| American Integrity | $1,920 |
| Florida Peninsula | $2,135 |
Cheapest Home Insurance In Pensacola For A History Of Claims
For homeowners with a history of claims, Security First provides an affordable solution, with an average annual rate of $2,280.
A history of claims can raise red flags for insurers, often leading to higher premiums.
| Insurance Company | Average Annual Premium |
| Armed Forces Insurance Exchange | $2,795 |
| American Integrity | $2,395 |
| Security First | $2,280 |
| American Strategic Insurance | $3,265 |
| Florida Peninsula | $2,620 |
Best Homeowners Insurance Companies In Pensacola, FL
To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Pensacola, FL. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability.
Take a look at our comparison chart below and find the perfect fit for your home insurance needs.
| Company | Annual Premium |
| American Integrity | $2,090 |
| Florida Peninsula | $2,200 |
| Armed Forces Insurance | $2,465 |
| Security First | $1,890 |
| American Strategic Insurance | $2,855 |
How Much Is Homeowners Insurance In Pensacola, FL?
The average cost of home insurance in Pensacola is approximately $5,579 per year. It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.
As you can see below, rates in Pensacola are more expensive than the National average and the Florida State average.
| Area | Average Monthly Rate |
| National | $1,820 |
| Florida | $3,390 |
| Pensacola | $5,579 |
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Average Pensacola Home Insurance Rates By ZIP Code
The cost of homeowners insurance in Pensacola, FL can vary significantly based on the ZIP code.
The table below showcases average rates for different zip codes in Pensacola.
| ZIP Code | Average Annual Premium |
| 32501 | $5,630 |
| 32504 | $5,490 |
| 32503 | $5,545 |
| 32505 | $5,770 |
| 32507 | $5,665 |
Cheapest ZIP Codes For Home Insurance In Pensacola
At $5,490 per year, the ZIP code 32504 is the cheapest average ZIP code for home insurance in Pensacola.
| ZIP Code | Average Annual Premium |
| 32504 | $5,490 |
| 32503 | $5,545 |
| 32501 | $5,630 |
| 32505 | $5,770 |
| 32514 | $5,565 |
Most Expensive ZIP Codes For Home Insurance In Pensacola
The most expensive ZIP code in Pensacola is 32508, at an average annual premium of $5,920.
| ZIP Code | Average Annual Premium |
| 32508 | $5,920 |
| 32507 | $1,965 |
| 32506 | $5,580 |
| 32501 | $5,630 |
| 32505 | $5,770 |
Average Home Insurance Rates In Pensacola, FL By Deductible Amount
The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Pensacola, FL. Generally, a higher deductible means lower premiums, but you’ll pay more out of pocket if you need to make a claim.
Here’s how the average home insurance rates in Pensacola fluctuate with insurers for different deductible amounts:
| Insurer | Annual Rate for $500 Deductible | Annual Rate for $1,000 Deductible | Annual Rate for $1,500 Deductible |
| Security First | $1,990 | $1,895 | $1,820 |
| American Integrity | $2,215 | $2,105 | $2,035 |
| Florida Peninsula | $2,425 | $2,310 | $2,235 |
| State Farm | $5,040 | $4,830 | $4,690 |
| Universal Property & Casualty | $10,990 | $10,460 | $10,030 |
Average Home Insurance Rates In Pensacola, FL By Coverage Amount
One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.
The below table outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.
| Dwelling Coverage Amount | Average Annual Premium |
| $200,000 | $7,820 |
| $250,000 | $8,100 |
| $300,000 | $10,605 |
| $350,000 | $10,900 |
| $400,000 | $14,090 |
Compare Home Insurance Rates To Other Cities In Florida
The following table shows the average rates of home insurance across various cities in Florida.
| City | Annual Premium |
| Gainesville | $1,399 |
| Miami | $3,944 |
| Tallahassee | $1,286 |
| Fort Myers | $1,902 |
| Fort Lauderdale | $2,572 |
| Boca Raton | $4,410 |
| St. Petersburg | $1,325 |
| Tallahassee | $1,286 |
| Melbourne | $1,798 |
| Cape Coral | $1,687 |
| Lake City | $2,924 |
| Miami Lakes | $5,950 |
| Naples | $2,530 |
| Ocala | $1,960 |
| Jacksonville | $3,040 |
| Tampa | $2,270 |
| Port St. Lucie | $2,024 |
Bundle Home With Auto Insurance
Bundling your homeowner’s insurance with your auto insurance is a popular way to lower premiums. Many insurance providers offer discounts when you combine multiple policies, as they see it as an opportunity to retain you as a customer across different types of coverage. The savings from bundling can vary, but it’s common to see discounts ranging from 5% to 15% on your home insurance premium.
This method can be especially useful for homeowners who already have an auto insurance policy. By consolidating both policies with the same insurer, you simplify your insurance management and may receive better overall customer service. In addition to lower premiums, bundling may also provide more flexible payment options and potentially higher coverage limits.
Before deciding to bundle, it’s important to compare the total cost of bundling with the cost of purchasing separate policies. While bundling may offer discounts, it’s still worth ensuring that each individual policy provides the coverage you need at a reasonable rate.
How To Get Homeowners Insurance In Florida
With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.
Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.
