St. Petersburg Homeowners Insurance

Find the Right St. Petersburg, FL Homeowners Insurance

Find the right homeowners insurance policy for you.

St. Petersburg, FL is an amazing city with award-winning beaches and world-class restaurants. This beautiful city holds the record for “the most days of consecutive sunshine,” with 786 days. Whether you choose to live in St. Petersburg full-time or to invest in a vacation home in this area, you need a reliable St. Petersburg homeowners insurance policy. The risk of owning a home in the Sunshine State is high, so let an Independent Insurance Agent guide you toward the best home insurance plan that offers the most protection at an affordable price.

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

Florida’s home insurance premiums are above the national average, but you can easily offset this cost by letting an independent agent find discounts that fit your particular situation. Personalized home insurance rates are typically determined by the size and location of your home. High-risk factors, like swimming pools, trampolines, and aggressive dog breeds, will often drive up the cost of homeowners insurance in St. Petersburg.

St. Petersburg Second Home and Vacation Home Insurance

St. Petersburg is nestled between the Gulf of Mexico and Tampa Bay, making it the perfect place to escape to for a family vacation of rest and relaxation. If you own a vacation home in this beautiful city, you want to make sure your investment is safe even when you can’t be there. Insuring a second home can be tricky, but our agents will guide you toward the best coverage options to protect your investment and safeguard your vacation home from common threats.

Number of Thefts in Florida

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

St. Petersburg has a fairly high crime rate when compared with other states. This puts homeowners at high risk for burglaries and home invasions. Most homeowners never stop to think about the ramifications of a break-in until it’s too late. Our agents can help you select a home insurance policy that offers comprehensive protection against theft by reimbursing you for stolen goods and paying to make any necessary repairs after a break-in.


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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 is one of the highest risk states in the nation for natural disasters, and St. Petersburg is no exception. Hurricanes are a common concern for residents. This particular area is also at risk for tornadoes, with an average of five each year. Florida homeowners are vulnerable to natural disasters, so it is important to carry the right insurance on your home or investment property. Then you can have peace of mind that whatever threat comes your way, you are protected.

What Are the Risks in St. Petersburg?

St. Petersburg, like any city, faces many different risks. As in other Florida cities, natural disasters are always a risk for residents.  Hurricanes, tornadoes, flooding, and wildfires are among just a few to mention. Hurricane season keeps homeowners in St. Petersburg on high alert. Another risk factor for this area is the high crime rate. With high tourism, often comes a high crime rate. Whatever risk you face, an independent insurance agent can help you choose a home insurance plan that protects against these worrisome threats in St. Petersburg.

Compare St. Petersburg Home Insurance Quotes

Before you purchase a policy, take time to compare quotes and make sure your choice fits your budget. Our independent insurance agents can offer you rate quotes on multiple policies all in one convenient place. Our reliable agents will help you do a side-by-side comparison of all of your homeowners insurance options and help answer any questions you may have. 

If you’re ready to enjoy significant savings on your annual St. Petersburg home insurance premiums, contact an agent for a free rate quote today.

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