Best Cheap Homeowners Insurance in Pensacola, FL 2025

In Pensacola, Security First provides the cheapest policy, with average annual rates of $1,903. 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.

Cheapest Homeowners Insurance In Pensacola – Security First

Security First is the cheapest overall carrier for homeowners insurance in Pensacola, FL, with an average annual rate of $1,903.

Cheapest Homeowners Insurance In Pensacola If You Have Poor Credit – Security First

If your credit score is poor, Security First provides the most affordable solution, with an average annual rate of $2,374.

Cheapest Homeowners Insurance In Pensacola For Older Homes – Security First

For those with older homes, Security First offers the cheapest rates, averaging $2,091 per year.

Older homes often come with unique risks and maintenance issues, which can drive up insurance costs.

Cheapest Homeowners Insurance For Newly Constructed Homes – State Farm

If you’re the proud owner of a newly constructed home, State Farm offers the most cost-effective solution, with an average annual rate of $1,657.

Cheapest Home Insurance In Pensacola For A History Of Claims – Security First

For homeowners with a history of claims, Security First provides an affordable solution, with an average annual rate of $2,800.

A history of claims can raise red flags for insurers, often leading to higher premiums.

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.

How Much Is Homeowners Insurance In Pensacola, FL?

The average cost of home insurance in Pensacola is approximately $3,139 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. However, they are lower than the Florida State average.

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.

Cheapest ZIP Codes For Home Insurance In Pensacola

At $3,495 per year, the ZIP code 32504 is the cheapest average ZIP code for home insurance in Pensacola.

Most Expensive ZIP Codes For Home Insurance In Pensacola

The most expensive ZIP code in Pensacola is 32508, at an average annual premium of $3,921.

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:

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 table below outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.

Compare Home Insurance Rates To Other Cities In Florida

The following table shows the average rates of home insurance across various cities in Florida.

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.