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Are you paying too much for homeowners insurance in 32501? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Pensacola, FL that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Florida licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 32501?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 32501 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 32501 and get ready to save.

3 Easy Ways To Save Money In 32501

These three links will help you explore home insurance quotes in 32501 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 32501 Home Insurance Costs Rated: very high!

The average price for a homeowners insurance policy in Pensacola is roughly $1665. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

Get 32501 Homeowners Insurance Rates Right Now!

32501 Home Insurance Average Premiums

Local 32501 homeowners insurance quotes comparison

$1415 /yr.

Shows Zip Code: 32501 lowest rates with discounts applied on average.

For the 32501, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1415 /yr.
Average Coverage:$1665 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1965 /yr.

What is the average home insurance cost for a home in 32501?

  • • The average homeowners insurance premium paid annually for a home in 32501 is around $1665 per year.

What does it cost on average per month for home insurance in 32501?

  • • Homeowners in 32501 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 32501?

  • • Autoowners in 32501 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Pensacola area, check out other zip codes nearby 32501.
Review average rates in another zip code:
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32509 homeowners insurance rates

Home Replacement Cost Coverage in 32501

Average Building Cost Per Square Foot in 32501: $167

Location: Pensacola, Florida (Escambia County)

Average Square Footage in 32501: 1,168 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32501 before you start any project. Pensacola homeowners pay on average around $167 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 32501 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 32501 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,168 sq. ft. and the average cost to rebuild the home in this area is around $167 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Pensacola area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1671,168$195,100
Additional Upgrades & Added Features$2091,168$243,875
Major Home Updates or Advancements$2511,168$292,650

It's important to understand that when you estimate your replacement cost of your home in the 32501 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 32501

Best Home & Auto Insurance Agencies in 32501

Allstate Insurance Companies

Address: 9218 Navarre Parkway Gulf Breeze-Harold, FL 32501
Phone:
Website:
Info:

Housing Demographics for 32501

Population Review for 32501 Zip Code

For the city of Pensacola, the population within 32501 has increased to over 10,603 residents in population size. The current population total is 10,960. We have broken down the population based on race below. In 32501, there are over 5364 in male population and 5596 females.

PopulationValues
Total Population10,960
White Population4724
Black Population5479
Hispanic Population410
Asian Population74
Hawaiian Population8
Indian Population30
Other Population109
Male Population5364
Female Population5596
Population Estimate10603

Household Data for 32501

The average number of homes in 32501 is around 4,610, there are an average of 2.04 per household. The average house value according to local real estate values is around $195,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,610
Persons Per Household2.04
Average House Value$195,100
Income Per Household$32541
Median Age40.7
Median Age Male38.8
Median Age Female43.2
32501 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
CityPensacola
City Alias NamePENSACOLA
CountyEscambia
County FIPS033
State FIPS12
Time Zone6
Day Light SavingY
MSA6080
PMSA
CSA
CBSA37860
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePensacola-Ferry Pass-Brent, FL
MSA_NamePensacola, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses536
Number Of Employees10718
Business First Quarter Payroll137696
Business Annual Payroll591751
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population448991
CBSA Division Population0
Congressional District01
Congressional LandArea4016.3
Delivery Residential5198
Delivery Business812
Delivery Total6615
Preferred Last Line KeyY22688
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22688
Land Area3.687000
Water Area0.038000
City Alias Code
City Mixed CasePensacola
City Alias Mixed CasePensacola
Box Count0
SFDU3983
MFDU524
State ANSI12
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number117410
Unique ZIP Name
SSA State County Code10160
Medicare CBSA Code37860
Medicare CBSA NamePensacola-Ferry Pass-Brent, FL
Medicare CBSA TypeMetro
Market Rating Area ID16
County Mixed CaseEscambia

Florida Homeowners Insurance News & Information

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    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]