Home insurance provides coverage for your home, personal belongings and liability. Having a policy is not always required, but nearly all homeowners in Florida purchase one to protect their largest investment. To help you find a policy that balances financial protection with affordable premiums, our partners at ConsumerAffairs researched the best homeowners insurance in Tallahassee.
Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. ABC 27 may receive compensation from our partners. Learn more.
About 56 percent of households in Tallahassee are homeowners, according to census data and the U.S. Department of Housing and Urban Development.
If you are among the tens of thousands of homeowners in Florida’s capital, you need homeowners insurance to protect from financial loss in case your physical home is damaged or destroyed, your personal property is damaged or stolen or you are legally responsible for an accident.
Homeowners insurance in Tallahassee usually comes standard with these coverages:
Dwelling, which covers your home
Other structures, which covers detached garages, sheds and fences
Personal property, which covers your personal contents, like clothes, furniture and electronics
Personal liability, which covers a claim or lawsuit resulting from damage to someone else’s property or a bodily injury
Additional living expenses, which covers expenses above and beyond what you’re used to paying if a covered event forces you out of your home
Medical payments, which covers medical bills of someone accidentally injured on your property
When you buy homeowners insurance in Tallahassee, be aware that each coverage has limits the insurance company will pay out. It’s important to insure your home for the cost to rebuild it with the current prices of materials and labor. You should also do an inventory of your belongings and assets to determine if personal property and liability coverages are enough.
The most popular and comprehensive type of policy covers losses from any cause that is not specifically mentioned as an exclusion. But another type specifically lists covered events. Homeowners insurance in Tallahassee often protects you from financial loss resulting from:
Fire or smoke
Windstorm or hail
Theft or vandalism
Weight of ice, snow or sleet
Explosions or riots
Aircraft or vehicle crashes
Catastrophic ground cover collapse
Cost of homeowners insurance in Tallahassee
On average, Florida homeowners pay the highest homeowners insurance premiums in the country. The exact cost of a policy depends on various factors, like the age and construction materials of your home, the amount of coverage you buy, your credit and loss history, if you have pets and the neighborhood where you live.
Average yearly home insurance rates in Tallahassee
Betton Hills (32308)
Waverly Hills (32312)
Note: Based on dwelling coverage above with a constant $1,000 deductible and $100,000 liability.
Don’t purchase homeowners insurance in Tallahassee without knowing your deductible and if you have replacement cost or actual cash value coverage. Replacement cost is the amount you need to repair or replace your property at today’s prices. Actual cash value coverage will take depreciation into account.
Compare quotes from several different companies. Ask an agent what discounts are available. You can save money with most insurers by bundling policies or having home safety systems, like smoke detectors.
Make sure you ask about flood and sinkhole protection. If you have high-value personal items, you should inquire about additional coverage as well.
Progressive offers free homeowners insurance quotes with the coverages you need and has agents standing by to help. Tallahassee shoppers can use HomeQuote Explorer, an online tool allowing you to compare rates and coverages from multiple companies. Florida reviewers like how many ways there are to save on a homeowners insurance policy from Progressive.
Homeowners insurance from GEICO includes a full range of protections. Start the quote process online or reach a sales agent for assistance buying a policy that meets your needs and budget. Save with multipolicy and home security discounts. Tallahassee residents like the affordable premiums and speak highly of GEICO’s customer service.
State Farm is one of the top U.S. home insurers. Visit the company’s website to read State Farm’s Simple Insights, like how to create a home inventory to make coverage decisions. Policy discounts are available for bundling, having home monitoring systems or using impact-resistant roofing products. Tallahassee residents say State Farm is a dependable insurer with a straightforward claims process.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.