5 Best Pensacola Homeowners Insurance Companies (2025)
Security First, American Integrity, and State Farm offer some of the best homeowners insurance policies in Pensacola.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
The average cost of homeowners insurance in Pensacola is $2,917 per year for a policy with a $1,000 deductible and $300,000 in dwelling coverage. Pensacola home insurance costs are higher than the nationwide annual average of $2,511 and the Florida statewide average of $2,479.
Homeowners in Pensacola face steep insurance premiums because of the city’s vulnerability to hurricanes and tropical storms, as well as the lack of competition. Several home insurance companies have recently exited the Florida market, leaving fewer choices for Pensacola homeowners.
Here’s what you should know about finding home insurance in Pensacola, including the importance of comparing quotes and coverage options.
Quick Facts
Security First Insurance, American Integrity Insurance of Florida, and Florida Peninsula Insurance offer the cheapest home insurance rates in Pensacola, on average.
The average annual cost of Pensacola homeowners insurance is $3,209 for a policy with $300,000 in dwelling coverage and a $500 deductible.
Many homeowners in Pensacola may need to purchase additional flood and hurricane insurance to protect their properties from potential storm damage.[1]
Best home insurance companies in Pensacola
Although several insurance companies have recently left the Florida home insurance market, it’s still possible for Pensacola homeowners to find decent coverage. The best Pensacola home insurance company for you depends on your location and specific coverage needs.
You can start your search below with five of the best home insurance companies offering coverage to Pensacola homeowners.
Security First Insurance: Best for cheap rates
Security First Insurance has average home insurance rates in Pensacola that are thousands of dollars lower than the average statewide premium. Security First has a signature home insurance plan with extensive protections, including personal property loss, equipment breakdown, and service line coverages.
The company also has unique optional add-ons, like coverages for scheduled personal property, identity theft protection, golf carts, hurricane-screened enclosures and carports, and dog liability.
Pros
Coverage limits of up to $5 million
Signature homeowners policy with extensive coverage
Several available discounts, including for wind mitigation
Cons
Excellent credit required for best rates
No option to bundle auto insurance
No AM Best financial strength rating
American Integrity: Best for military personnel
If you’re a veteran or an active member of the military, American Integrity is a good insurer to consider for your Pensacola home insurance needs. The Florida-based insurance company offers a discount to active and retired military members for certain products. American Integrity has homeowners insurance rates that are well below the Florida state average.
Pros
Rates lower than statewide average
Can bundle insurance products for additional savings
AM Best financial strength rating of A+ (Excellent)
Cons
Lower rates may be available elsewhere
Some competitors may have more discounts
Poor Trustpilot rating
State Farm: Best for rental properties
State FarmCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 643 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $386/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $537/mo |
State Farm could be a good choice for Pensacola homeowners and condo owners seeking rental property coverage. Pensacola is a popular vacation destination, with thousands of vacation rental listings available at any given time. State Farm provides a range of customized home insurance options for rental property owners, including coverage for loss of rental income.
Pros
Rates lower than statewide average
Can bundle insurance products for additional savings
Above-average J.D. Power customer satisfaction rating
Cons
Lower rates may be available elsewhere
Some competitors may have more discounts
Poor Trustpilot rating
Chubb: Best for high-end homes
ChubbCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 688 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $731/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $1,195/mo |
Chubb’s top-tier customer satisfaction rating indicates that many homeowners have good experiences with the company. It specializes in coverage for high-net-worth homeowners, but it still has surprisingly competitive rates.
Chubb offers unique coverage add-on options, like replacement cost cash-out, in-home appraisal, blanket coverage, wildfire defense services, and pet liability coverage. The company’s standard policies also include extra protections in its home insurance policies that many insurers don’t, like lock replacement, food spoilage coverage, and tree removal.
Pros
Cash-settlement options for claims
Coverage for high-end valuables available
Top J.D. Power customer satisfaction rating
Cons
Not always the cheapest insurer
Can’t finalize a quote online
Few discount opportunities
Citizens Property Insurance Corporation: Best for people who don’t qualify for other coverage
Citizens Property Insurance Corporation is the insurer of last resort for Florida homeowners who can’t find another company to write them a policy. In order to get a new policy through Citizens, you must show that your quotes through private insurers are at least 20% higher than those available through Citizens.[2]
In the last year, Citizens’ depopulation program has helped the insurer offload more than 420,000 policyholders onto approved private insurance companies. But more than 777,000 Sunshine State homeowners still rely on Citizens.[3]
Pros
Available to Florida homeowners with limited or no coverage options
Offers wind-only coverage
State-backed insurance coverage
Cons
Can’t finalize a quote online
Few discount opportunities
Must meet eligibility criteria to obtain policy
Our editorial team analyzed regional and national home insurance companies that sell policies in Pensacola to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in Pensacola?
The average cost of homeowners insurance in Pensacola is $2,917 per year for $300,000 in coverage with a $1,000 deductible. The cost of an insurance policy with the same amount of coverage but a $500 deductible is a bit higher, at $3,209 annually.
When compared to the state averages of $2,479 per year for coverage with a $1,000 deductible and $2,727 for a policy with a $500 deductible, insurance policies cost more in Pensacola.
Premiums can range widely based on factors like the age of your home, your deductible, previous claims, and other details. That’s why it’s important to get an insurance quote from multiple companies to find the best fit for your Florida home insurance needs.
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Cheapest home insurance companies in Pensacola
State Farm has the cheapest home insurance coverage in Pensacola. Compare quotes from different companies below to find the lowest rates on homeowners coverage.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| State Farm | $3,588 |
| Nationwide | $4,416 |
| Chubb | $5,940 |
| Allstate | $8,220 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| State Farm | $6,444 |
| Nationwide | $9,684 |
| Chubb | $14,340 |
| Allstate | $19,356 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| State Farm | $8,688 |
| Nationwide | $13,788 |
| Chubb | $20,568 |
| Allstate | $28,812 |
The state of home insurance in Florida
In recent years, Florida homeowners have faced significant changes to the insurance market. The state’s exposure to hurricanes has put a strain on the insurance industry, but the homeowners insurance-related litigation in the state also pushes insurers out.[4]
With some insurers leaving the state, becoming insolvent, or pausing issuing new policies in the last few years, Floridians have had an increasingly difficult time getting the coverage they need. Citizens Property Insurance, the insurer of last resort, currently has more than 777,000 policies in place — down from more than 1 million policies in 2024.
In the last couple of years, the Florida government has taken action in an attempt to stabilize the insurance market.
The state government is working to help homeowners transition from Citizens policies by assisting them in finding alternative insurance solutions. For example, policyholders must show that quotes for similar coverage are at least 20% higher than their Citizens quote in order to finalize a policy with this last-resort option.
For residents and prospective residents, the slowly stabilizing home insurance market presents a budget wildcard. Many people have seen their home insurance costs double or triple in recent years. Although that trend seems to be slowing, rising costs could still affect your budget. Insurify data estimates that insurance costs will increase by 9% by the end of 2025.
How much homeowners insurance do you need in Pensacola?
The right amount of homeowners insurance can protect your home and finances following a disaster. As you assess your coverage needs, consider the following:
Dwelling coverage: Instead of sticking to your mortgage lender’s minimum dwelling coverage requirements, look for extended replacement cost coverage that can help you rebuild your home at current market rates.
Other structures: Consider getting enough coverage to rebuild or repair your other structures after a damaging weather event. For example, consider the rebuilding costs of sheds and gazebos. Or if you have a waterfront property with a dock on Pensacola Bay, consider covering those replacement costs.
Personal belongings: As a baseline, you’ll likely receive 50% to 70% in replacement costs for your items. But if you want coverage to replace all your important personal property, consider getting more coverage.
Loss of use: If possible, seek out enough loss of use coverage to comfortably house your family at another location for an extended period of time.
Liability coverage: While most homeowners need at least $100,000 in liability coverage, you might need more if you have certain risks. For example, if you have a dog or regularly host parties at your swimming pool, consider getting extra coverage.
What to know about home insurance in Pensacola, FL
If you own a home in Pensacola, it’s smart to familiarize yourself with the following factors that could affect your homeowners insurance rates:
Hurricanes
Finding an insurance company that offers supplemental hurricane coverage is essential as a Pensacola homeowner, since standard home insurance policies typically don’t include this protection.
Storm surge
Due to Pensacola’s location along the coast, storm surge is a very real possibility. As a result, you should consider buying supplemental flood insurance from the National Flood Insurance Program (NFIP) or a private insurer to protect your property.
High heat index
Pensacola sometimes has a high heat index, especially during the summer months. In 2023, the city had 61 days with temperatures greater than 100F, but 2024 was a milder year. When heat waves happen, they have the potential to damage your property, and home insurance is unlikely to cover you, since insurers typically consider these events to be normal wear and tear.
Home insurance coverage for hurricanes and flooding
When a hurricane is barrelling toward Pensacola, the last thing you want to worry about is your home insurance coverage. It’s helpful to understand the details of your policy to make sure you have the right coverage for your needs.
Standard homeowners insurance policies don’t usually cover flood damage. If you have concerns about flooding, consider purchasing a separate flood insurance policy. You might be able to purchase flood insurance through a private insurance company or government flood insurance through the National Flood Insurance Program.
A typical home insurance policy typically covers wind damage caused by a hurricane. But some policies may exclude this coverage, so it’s important to read the fine print of your coverage.
In some cases, your policy will include a separate hurricane deductible if a named storm causes damage. A hurricane deductible is typically higher than a standard deductible.
How to get home insurance in Pensacola
If you’re a Pensacola homeowner looking for home insurance, follow these steps to get coverage:
Decide how much coverage you need. Take the time to map out how much coverage you need. You may want to make a home inventory to determine the right coverage amount.
Select a deductible. Higher deductibles typically lead to lower insurance premiums. But opt for a deductible that you could comfortably cover if you need to file a claim.
Gather details about your home. When gathering quotes, you’ll need to share some basic information about your home, like the square footage, wind-mitigation measures you’ve taken, and any safety devices you have installed.
Compare quotes. Look at quotes from different insurance companies to find the most affordable insurer for your situation.
Consider coverage from Citizens. If you have trouble getting quotes from insurers or see high premiums due to a high-risk location or home, look into the Citizens Property Insurance Corporation. This insurer of last resort may offer the coverage you need.
Purchase a policy. Once you find the right fit, move forward with your purchase by making your first home insurance payment.
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Average cost of home insurance in other cities in Florida
Your location, including your city and specific ZIP code, can play a role in your Florida home insurance quote. Location-specific factors, like vandalism, weather events, proximity to fire stations, and more, can affect how much you pay for home insurance.
Below, you can see how insurance rates in Pensacola compare to other cities in Florida.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
City | Average Annual Premium |
|---|---|
| Tallahassee | $3,156 |
| Gainesville | $3,180 |
| Jacksonville | $3,600 |
| Orlando | $4,608 |
| Tampa | $5,460 |
| Palm Bay | $6,276 |
| Cape Coral | $7,716 |
| Port Saint Lucie | $11,880 |
| Miami | $13,740 |
Pensacola homeowners insurance FAQs
The following information can help answer your remaining questions about homeowners insurance coverage in Pensacola, Florida.
The average cost of home insurance in Pensacola is $2,917 annually for a policy with $300,000 in dwelling coverage and a $1,000 deductible. You’ll most likely also need to purchase a supplemental flood insurance policy, which will have an additional premium.
State Farm has the cheapest homeowners insurance in Pensacola. Customers pay an average monthly premium of $386 for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
American Integrity Insurance of Florida and Florida Peninsula Insurance are two other affordable home insurance companies.
Some of the best home insurance companies in Pensacola include State Farm, Citizens, Chubb, Security First, and American Integrity. While Security First offers some of the lowest rates, Citizens offers a last-resort option for high-risk homes.
Finding affordable homeowners insurance in Florida can be a challenge due to several factors. Florida homeowners have been facing higher premiums due to insurers leaving the state, frequent damage from natural disasters, and a high number of insurance lawsuits.
Florida homeowners have several savings opportunities for homeowners insurance costs. A few tips to consider include getting insurance quotes from multiple companies, looking for discounts, raising your deductible, improving your credit, and bundling home and auto insurance together.
The average cost of a home insurance policy on a $500,000 house in Florida is $10,656 per year. As you increase the amount of dwelling coverage in your homeowners policy, your premiums will increase as well.
But Florida’s homeowners insurance rates are also significantly higher than the national average. In the U.S., the average cost for a homeowners insurance policy with $500,000 in dwelling coverage is $3,876 per year.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- Insurance Information Institute. "What is covered by standard homeowners insurance?."
- Citizens Property Insurance Corporation. "New-Business Eligibility Rule Increases to 20%."
- Citizens Property Insurance Corporation. "Citizens’ Policy Count Drops Below 1 Million."
- Insurance Information Institute. "Trends and Insights: Florida homeowners' insurance crisis."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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