Best homeowners insurance in Tallahassee, FL for 2022

Jessica Olivo

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Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

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Home insurance is important for every homeowner across the country, but with the potential for damaging hurricanes and an above-average crime rate, residents in Tallahassee should make sure they are especially well-protected. Luckily, premiums in Tallahassee are lower than most cities in Florida. 

The average cost of homeowners insurance in Tallahassee is $1,888 per year or $157 a month for a policy with $300,000 in dwelling coverage. This is around 28% lower than the statewide average of $2,643 per year, and right on par with the national average of $1,899. 

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However, cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Tallahassee.  

Best homeowners insurance companies in Tallahassee

Of the companies we evaluated, Tower Hill has the lowest rate, with an average yearly cost of $678 — 64% below the Tallahassee average. ASI Progressive and Universal Property also offer rates below the city average.

Policygenius analyzed thousands of quotes from the 5 largest Tallahassee insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Tallahassee residents to find the best homeowners insurance in Tallahassee.

Company

Average yearly cost

J.D. Power Rating

Universal Property

$1,377

--

Citizens

$4,094

--

State Farm

$1,941

835

Tower Hill

$678

--

ASI Progressive

$1,438

821

Universal Property

Universal Property logo

Universal Property is a Florida-based insurance company that provides a relatively standard, but solid home insurance policy. It's an especially good option if you have lots of animals on your property thanks to its special animal liability coverage.

Pros

  • Covers homes that are generally more difficult to insure

  • Excellent coverage add-ons, such as replacement cost contents, water backup, equipment breakdown, and service line coverage

  • Special animal liability coverage available in case your dog or another animal on your property injures someone

Cons

  • Customer reviews complain of a poor claims experience

  • Doesn't offer increased dwelling coverage

  • Minimal discount opportunities

Why Universal Property tops our best list

The Florida panhandle is susceptible to storms coming up from the Gulf coast, bringing high winds that can do a lot of damage to your house. With Universal Property, you can get a discount on your policy for having home fortification features that protect against hurricanes and severe storms. 

How to get a quote

Online through Universal Property

Citizens Insurance

Citizens Insurance logo

Citizens Insurance offers basic home and wind-only insurance coverage for homes in high-risk coastal areas of Florida. If you're having a difficult time finding a company to insure your home, Citizens is a decent last-resort option.

Pros

  • Provides homeowners insurance to high-risk homes that are often denied coverage by private insurers

  • Offers wind-only policies

  • Sets up catastrophe response centers after natural disasters to offer in-person support to homeowners without power or means of communication

  • File claims over the phone or online 24/7/365

  • Low customer complaint ratings in 2020

Cons

  • Rates are around 15% higher than the state average

  • Limited additional coverage options

Why Citizens tops our best list

Citizens Insurance is available for Tallahassee residents who have been turned down by traditional home insurance companies. Their rates may be higher than others, but their coverage can protect you from paying even more to repair or rebuild your home after a storm.  

How to get a quote

Contact a Citizens Insurance agent through their website

State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

State Farm’s 835 rating with J.D. Power is a strong indicator that they provide the customer service you want from an insurance company. With multiple options for filing a claim — online, through the State Farm app, over the phone, or in person — State Farm makes it easy to repair your home or replace your belongings after a covered loss. 

How to get a quote

Online through State Farm

Tower Hill

Tower Hill logo

Tower Hill stands out thanks to its robust flood insurance options and contractor network program that makes repairing your home after a natural disaster as seamless as possible.

Pros

  • Offers 3 flood insurance options, including a private flood endorsement and standalone policy

  • Contractor network program for easy repairs that come with a 5-year warranty for workmanship

  • Lower-than-average customer complaints according to the NAIC

Cons

  • Little information about discounts or coverage options available online

Why Tower Hill tops our best list

Figuring out how much dwelling coverage you need is easy with Tower Hill. Their special software calculates the costs of materials and labor, debris removal, and building permits. Tower Hill takes the guesswork out of determining your coverage limits, so you don’t pay for insurance you don’t need, and you’re not left with a bill from being underinsured. 

How to get a quote

Online through Tower Hill

ASI Progressive

ASI Progressive logo

ASI Progressive offers robust home insurance coverage and ways to save. Our fave perk? Its bundling discount, which lets you save up to 20% on premiums and only requires you to pay one deductible if your home and car are damaged in the same event.

Pros

  • Policies are backed by Progressive Insurance

  • Flood insurance coverage add-on available — a rarity among insurers

  • Save up to 20% when you bundle your home and auto insurance

  • Score discounts for owning a new home, signing up for e-bills, paying your premiums in full for the year, and more

  • Only pay one deductible if your home and car are damaged in the same incident and you bundle your home and auto insurance together

  • File and track claims online

Cons

  • Below-average claims satisfaction ratings

  • Minimal information about coverage add-ons available online

Why ASI Progressive tops our best list

ASI Progressive combines affordable premiums with highly-rated customer service. While they may not be the cheapest option in Tallahassee, ASI Progressive offers a bundling discount that can save you an additional 20% off when you purchase home and auto insurance together, bringing their average rate in Tallahassee down to $1,150.

How to get a quote

Online through Policygenius or Progressive

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Cheapest homeowners insurance companies by ZIP code in Tallahassee

Looking at average home insurance costs for 15 of the most popular companies in Tallahassee, we found that the cheapest home insurance in the city can be found throughout Tallahassee with Tower Hill. The average Tower Hill rate in this area is $678 per year — $1,210 less than the city average of $1,888 per year. 

Tower Hill’s low rate is the cheapest in all of Tallahassee’s ZIP codes, making it an affordable option for all homeowners.  

ZIP code

Company

Average yearly cost

32301

Tower Hill

$678

32303

Tower Hill

$678

32304

Tower Hill

$678

32305

Tower Hill

$678

32306

Tower Hill

$678

32307

Tower Hill

$678

32308

Tower Hill

$678

32309

Tower Hill

$678

The most affordable areas for homeowners insurance in Tallahassee

With an average home insurance rate of $1,874 per year, the 32304 ZIP code (Southwest Tallahassee), is the most affordable area for home insurance in Tallahassee. Situated further from the coast, this neighborhood may be less susceptible to flooding. 

ZIP code

Average yearly cost

32304

$1,874

32301

$1,876

32308

$1,878

32312

$1,882

32303

$1,883

The most expensive areas for homeowners insurance in Tallahassee

With an average home insurance rate of $1,902, the 32309 ZIP code (Tallahassee) is the most expensive area for home insurance in Tallahassee. Large, older homes may be a factor in the increased rates. 

ZIP code

Average yearly cost

32309

$1,902

32313

$1,900

32307

$1,900

32306

$1,900

32310

$1,888

Shopping for homeowners insurance in Tallahassee

Shopping for homeowners insurance involves finding the coverage you need for a price you can afford. Knowing the costs to repair your home will keep you from overspending on your policy or being underinsured. In Tallahassee, you should be sure to have enough dwelling coverage to pay for repairs or even a total rebuild of your home in case a hurricane strikes the Florida panhandle. 

In this section, we break down the average annual home insurance rates in Tallahassee for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies in the state for individuals with a poor credit score, dog owners, and pool owners. Once you’re ready to shop, a Policygenius expert can help you navigate your coverage needs and help you find the best deal on homeowners insurance in Tallahassee.

Tallahassee home insurance costs by coverage amounts

Dwelling coverage is the part of your home insurance that pays to repair or replace your home in case of a covered loss. Your dwelling coverage amount should be large enough to cover the cost of rebuilding your entire home and should not be based on its market value or purchase price. 

The more dwelling coverage you have, the higher your yearly costs will be. As shown on the table below, a policy with $100,000 in coverage costs an average of $733 per year, while one with $500,000 in coverage has a yearly cost of $3,104. This $2,371 difference is why it’s important to know your home replacement cost.

Dwelling coverage amount

Average yearly cost

$100,000

$733

$200,000

$1,312

$300,000

$1,888

$400,000

$2,485

$500,000

$3,104

Liability insurance covers things like medical and legal bills if you are found legally responsible for injuries or property damage. Since these bills can add up fast and payment can be mandated by a court, it’s important your coverage amount is based on the total value of your assets. 

Liability coverage amount

Average yearly cost

$100,000

$2,239

$200,000

$1,949

$300,000

$1,730

$500,000

$1,901

Tallahassee home insurance costs by deductible amount

Your homeowners insurance deductible is the amount you have to pay every time you make a claim. Since a lower deductible will result in a higher premium, consider how much you can afford to pay out of pocket and how often you may need to file a claim. 

As seen in the table below, Tallahassee residents can save around $471 on home insurance by choosing a $2,000 deductible over the $500 option.

Deductible amount

Average yearly cost

$500

$2,122

$1,000

$1,888

$2,000

$1,625

Home insurance discounts in Tallahassee

Most insurance companies offer policy discounts for customers with safety devices that protect their homes. By making your house more secure with a burglar alarm, smoke detector, or deadbolt lock, you are less likely to file an insurance claim.  

While you won’t get a huge discount if your house has one of the following features and nothing else, they can add up if you have several protective devices in your home. Here is the average annual rate and average discount percentage for homes in Tallahassee with deadbolts, smoke alarms, or burglar alarms. 

Discount

Average yearly cost

Dead bolt

$1,888

Smoke alarm

$1,888

Burglar alarm

$1,792

Home insurance companies in Tallahassee for dog owners

Since certain dog breeds account for more bite and attack-related liability claims, insurance companies will likely charge you higher rates if you have one of these breeds.

With an average rate of $768 per year, Tower Hill has the cheapest home insurance rates in Tallahassee for a home with a dangerous dog breed, while Citizens’ average yearly premium of $4,094 is the highest.

Company

Average yearly cost

Tower Hill

$678

Universal Property

$1,377

ASI Progressive

$1,463

State Farm

$1,941

Citizens

$4,094

Home insurance companies in Tallahassee for poor credit

Insurance companies use your credit score to determine if you are a high risk to insure. As a result, you are more likely to see a higher rate if you have poor credit. 

Fortunately, not all insurers use your credit as a determining factor for your premium, so it’s always a good idea to shop around. 

With an average rate of $1,070 per year, Tower Hill has the cheapest home insurance rates in Tallahassee for a homeowner with poor credit, while Citizens’ average yearly premium of $4,094 is the highest. 

Company

Average yearly cost

Tower Hill

$1,070

Universal Property

$1,377

ASI Progressive

$2,473

State Farm

$3,324

Citizens

$4,094

Home insurance companies in Tallahassee for pool owners

Homeowners with swimming pools often pay more for insurance since there is a higher risk of injuries and liability claims. Fortunately, not all insurance companies use this information as a determining factor in your insurance premium. 

With an average rate of $678 per year, Tower Hill has the cheapest home insurance rates for Tallahassee homes that have a swimming pool, while Citizens’ average yearly premium of $4,094 is the most expensive.

Company

Average yearly cost

Tower Hill

$678

Universal Property

$1,377

ASI Progressive

$1,438

State Farm

$1,941

Citizens

$4,094

How to buy homeowners insurance in Tallahassee

Homeowners shopping for insurance in Tallahassee should compare quotes to make sure you are getting the policy you require for the best possible price. Below are steps to follow to help you find the best policy:

  1. Reach out to a licensed Policygenius agent. Our agents are available to answer your questions so you get the best policy for your home. 

  2. Ask about Florida’s FAIR plan. If you’ve been turned down by multiple traditional insurance companies due to factors that make you a high risk to insure, our agents can discuss Florida’s FAIR plan as an alternative to traditional coverage. 

  3. Consider purchasing flood insurance. Whether or not you live in a flood zone, flood insurance can be imperative in protecting your house from potential water damage in Tallahassee.

  4. Figure out how much you can afford to pay for your deductible. With frequent storms affecting the Florida panhandle, you may need to make multiple claims. To avoid paying too much out of pocket, consider a lower deductible.

  5. Compare quotes from a Policygenius agent. There are many factors that determine your insurance rate, and insurers weigh those factors differently. Comparing quotes with Policygenius is the best way to find the most affordable home insurance. 

  6. Choose your policy, sign it, and pay your first premium. Once you choose a policy, our agents can complete the required paperwork for you to sign. All you need to do is pay your first premium installment and you’re set.

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Frequently asked questions

What is the lowest average home insurance rate in Tallahassee?

Tower Hill has the lowest rate in Tallahassee with an average yearly cost of $678, $1,210 less than the city average.

Will my bad credit be a factor in my home insurance insurance rate?

Some insurance companies charge higher insurance rates for customers with bad credit because they are statistically more likely to file claims. However, not all insurers will increase rates for a low credit score.

Is flood insurance included in my home insurance?

No, you need to purchase flood insurance separately. In some areas, your mortgage lender may even require it.

How does the crime rate in my area affect my home insurance?

Areas of higher crime will likely see higher home insurance rates due to the high probability of theft and vandalism.

Methodology

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.