Tallahassee Homeowners Insurance

What Your Tallahassee, FL Homeowners Insurance Policy Needs

Florida home with palm trees

Florida’s state capital, Tallahassee, is a large city with about 200,000 residents. When including those who live in its metropolitan area, that population is nearly doubled. Tallahassee, FL is home to Florida State University, Florida A&M University, and Tallahassee Community College, so there are a number of cultural, recreational and entertainment opportunities available to those who live here. If you are among the many homeowners who live in one of this city’s many neighborhoods, you will want to be sure to protect your investment with a suitable Tallahassee home insurance policy.

Shopping around for rates can help you find the most competitively priced policy that meets your coverage needs. Our Independent Insurance Agents make comparison shopping easy. These agents are able to obtain customized Tallahassee homeowners insurance quotes from a number of highly-rated providers so that you can choose the policy that is best for you and your family. Find an agent near you to learn more.

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

On average, homeowners in Florida pay higher rates for their home insurance coverage than most property owners across the nation. While the figures listed above can provide a general idea of what your coverage rates might be, the only way to ascertain your actual cost is to contact a few insurance companies and request a quote. When you do, these companies will take a number of factors into consideration to calculate the cost of your home insurance premiums. Your price may be influenced by several factors, including the following:

  • The ZIP code in which your house is located
  • The age, value and estimated rebuilding cost of your home
  • The type of home you are insuring (i.e., detached house, condo, manufactured home, etc.) and the materials used in its construction
  • The use of the house you are insuring: primary residence, second home or vacation home
  • The amount of property coverage you need
  • The amount of your deductible
  • The presence of a swimming pool or other liability hazard on the property

To find a policy that offers you the best value for your money, you may want to compare at least three Tallahassee homeowners insurance quotes before making a selection.


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Our independent agents shop around to find you the best coverage.

Second Home and Vacation Home Insurance

If you own a second home or a vacation home, your insurance needs for that property are a bit different from those of your primary residence — particularly if you rent to tenants, such as some of the nearly 70,000 college students in this city. Additionally, properties that sit empty and unattended for several months out of the year have a higher risk of damage and vandalism, and properties that are located in areas that are at high risk for weather damage can be expensive to insure.

Be sure to discuss your coverage needs with your agent, who can help you find affordable policies for all of your properties. Your agent may even be able to get you a discount by bundling your second home or vacation home coverage with the same carrier that provides your Tallahassee home insurance.

Number of Thefts in Florida

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

The burglary rate in Florida is lower than the national average; unfortunately, in Tallahassee, the rate is quite high. In recent years, a total of 2,316 burglaries were reported in this city. That equates to 12.35 burglaries for every 1,000 households — more than double the national rate. You can lessen your risk of burglaries by ensuring that all of your home’s doors and windows have working, secure locks, by stopping mail and other delivery services when you are away on vacation, and by keeping the entryways to your house unobstructed and well-lit. 

Home burglar alarm systems make strong theft deterrents, and having one installed in your home can even earn you a discount on your Tallahassee homeowners insurance coverage. If your house is broken into, you may take some comfort in knowing that your home insurance policy will provide you with compensation for your losses. You need a copy of the police report and a detailed listing of your lost or damaged belongings when you file your claim.

Number of Catastrophes in Florida

  • Number of catastrophes in Florida: 594
  • Number of tornadoes in Florida: 23
  • Amount of property damage in Florida: $210,240,000
  • 1 in 15 insured homes has a claim each year

When disaster strikes, you want to be certain that your Tallahassee homeowners insurance includes a sufficient amount of property coverage so that in the event of a total loss, you can afford to rebuild and start over. Dwelling coverage covers the structure of your home, including the roof and foundation and including electrical, plumbing and HVAC systems. Contents coverage covers the items in your house, from electronics to clothing to furniture. You may be surprised by the value of the belongings you have accumulated over the years. 

Your independent insurance agent can help you determine suitable coverage amounts and can advise you if special endorsements are necessary to cover high-value items, like jewelry and collectibles. Your agent can also help you determine whether purchasing actual value or replacement cost coverage is the better option.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

What Are the Risks in Tallahassee, FL?

Homeowners in Tallahassee need to make sure that their property is sufficiently covered against the risks that are most likely to affect them. Although tornado activity is not particularly high in this city, it is 4% greater than the national rate. In 1960, an F2 twister touched down just 2.1 miles from the city center and caused thousands of dollars in damage. Even a mild tornado can destroy area roofs, siding, and windows, so you want to be sure you are covered against this hazard.

Hurricanes and tropical storms pose a larger threat to area residents, though the risk in this city is comparatively low as well. Although these storms have largely dissipated by the time they hit Tallahassee, their heavy wind and rain can still cause a great deal of expensive damage. You will want to be certain that your home coverage includes hurricane insurance. Many insurance providers require you to buy a special endorsement or supplemental coverage in order to have protection against this threat. Fortunately, your local agent will be able to help you make certain that the coverage you have is sufficient.

Compare Tallahassee Home Insurance Quotes

The only way you can be sure that you are getting your Tallahassee home insurance coverage at a reasonable rate is by requesting and reviewing costs and offerings from a variety of reputable insurers. Many homeowners skip this important step because they find it to be too time-consuming or frustrating. Savvy homeowners in Tallahassee, on the other hand, turn to our independent insurance agents for assistance with finding affordable coverage. These independent agents are not tied to a single insurance company, so they are free to shop around to help you find the best policy. They can quickly provide a selection of customized Tallahassee homeowners insurance quotes that you can review and compare together. 

Find an agent with an office near your Tallahassee home for guidance as you build and shop for your home coverage.

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