Pensacola Homeowners Insurance

Find the right homeowners insurance policy for you.

Written by Steve Dahl
Written by Steve Dahl

Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to


Pensacola is the westernmost city in the panhandle of Florida. This beautiful city offers sandy white beaches, crystal waters, and a thriving historic district where you can enjoy guided walking tours or browse the local art galleries. Pensacola offers many perks for local homeowners, but the volatile weather can be a serious risk. Whether you’re a first-time homebuyer or a long-time resident, make sure you’re prepared with comprehensive Pensacola homeowners insurance. 

Our Independent Insurance Agents understand that every home in unique and there is no one-size-fits-all homeowners insurance policy. That’s why our agents offer a personalized approach. When you work with our agents, you’ll have one-on-one support as you browse your home insurance options and select a policy to safeguard your home from Pensacola’s most worrisome risks.

  • National yearly premium average: $1,034
  • Florida yearly premium average: $1,103
  • 14th most expensive premium in the US.

The high cost of home insurance in Florida can definitely be a challenge. While rates trend on the high side of national averages, your individual premium will largely depend on the size and age of your home, where it’s located, and if you have any major risk factors like waterfront property, swimming pools, or trampolines. 

Pensacola Second Home and Vacation Home Insurance

Pensacola is a favorite tourist destination in the summer and even when winter rolls around, many snowbirds come to the area to capitalize on the warm temperatures. If you own a vacation home in Pensacola, you can enjoy a steady flow of rental income while maintaining an instant getaway for your family. Just make sure you choose a homeowners insurance policy that is specifically designed to protect second home and the unique challenges you will face as a vacation homeowner. 

Number of Thefts in Florida

  • National number of burglaries: 37,814
  • Florida number of burglaries: 3,316

With a steady flow of tourists moving in and out of Pensacola, theft can be a problem. Your homeowners insurance plan provides a buffer of protection in case you get robbed. If you come home one day and discover that your electronics, jewelry, or other personal items are missing, you can file a claim with your home insurance and receive compensation for the stolen goods. 


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Number of Catastrophes in Florida

  • Number of catastrophes in Florida: 594
  • Number of Tornadoes in Florida: 23
  • 1 in 15 insured homes has a claim each year.

Florida faces one of the highest risks for natural disasters in the United States with frequent flooding, hurricanes, and wildfires. Living in the Sunshine State delivers many benefits, but the unpredictable weather can be frightening for homeowners who have to deal with the ongoing property repairs after serious storms. 

What are the Risks in Pensacola?

Pensacola is especially vulnerable to hurricanes, with a long history of serious storms that caused major devastation across the city. Hurricane Ivan crossed over Pensacola, destroying 10,000 homes and leaving an additional 27,000 with major damage. As a homeowners in this area, it is vital to have the security of a comprehensive homeowners insurance plan because you never know when another hurricane could cross through your neighborhood.  

Compare Pensacola Home Insurance Quotes

If you live in Pensacola, you simply can’t afford to skimp on home insurance. However, finding affordable rates can be a challenge. Our Independent Insurance Agents can help you find the most cost-effective coverage options by providing complementary rate quotes on multiple policies. Take time to compare rates and it could equal major savings on your annual homeowners insurance premium. 

If you’re searching for Pensacola home insurance, contact an agent today for a free personalized quote. 

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