In Pensacola, Chubb offers the best home insurance, balancing affordability, customer service and coverage options. For those who prioritize price, Florida Peninsula provides the lowest premium at $466 per month.
Cheap Home Insurance in Pensacola
Updated: June 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
For homeowners in Pensacola, Chubb provides the best overall value, while Florida Peninsula delivers the most affordable coverage at $5,589 annually.
Home insurance in Pensacola costs around $756 per month, adding up to $9,068 per year.
To find the right home insurance in Pensacola, decide how much coverage you need, research insurers and compare multiple quotes.
Best Cheap Home Insurance Companies in Pensacola
| Chubb | 95 | $550 | $6,599 |
| State Farm | 93 | $471 | $5,648 |
| Florida Peninsula Insurance | 87 | $466 | $5,589 |
| Allstate | 71 | $798 | $9,571 |
| Heritage Insurance | 64 | $719 | $8,625 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Pensacola Home Insurance Cost?
Home insurance rates in Pensacola can vary greatly, depending on your personal profile, coverage level and home details. Costs range from $156 to $2,739 monthly. Below, you can explore rates tailored to your home's age and desired coverage level.
Data filtered by:Results filtered by:
Select
Age of Home:Newer Home
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $156 | $1,874 |
How to Get the Best Cheap Home Insurance in Pensacola
Finding affordable home insurance in Pensacola can be tough. We've put together a simple step-by-step guide to help you find the best cheap homeowners insurance for your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Florida for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes from various sources helps you identify the best option for you. Pricing also varies depending on where you get your quote. We recommend using online tools, independent agents and captive agents to get quotes to make sure you get the lowest price.
Best Home Insurance in Pensacola: Bottom Line
The top three best and cheapest home insurance providers in Pensacola are Chubb, State Farm and Florida Peninsula. While these are great options, compare rates yourself to ensure you get the best deal.
Pensacola Home Insurance: FAQ
Below, we've answered some frequently asked questions about home insurance in Pensacola.
Who offers the best home insurance in Pensacola?
We recommend Chubb as the best home insurance provider in Pensacola for its solid combination of low rates, excellent customer service and extensive range of add-ons. We also recommend getting quotes from State Farm, Florida Peninsula, Allstate and Heritage.
Who has the cheapest home insurance in Pensacola?
Florida Peninsula offers the most affordable home insurance for the average homeowner in Pensacola, with an average cost of $466 per month or $5,589 annually. Rates can vary widely based on individual factors and chosen coverage.
What does home insurance cost in Pensacola?
Home insurance costs in Pensacola range from $1,874 to $32,872 annually, influenced by home age and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in Pensacola
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Pensacola. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.