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Homeowners Insurance  »  Florida  »  

Pensacola

TGS Insurance Agency: Your Partner in Stress-Free, Cost-Effective Home Coverage

 

TGS Insurance Agency stands out as an independent agency with access to over 55 top-rated insurance carriers, enabling us to provide you with comprehensive and customized insurance solutions. Our goal is to make the home insurance shopping experience effortless and stress-free for you. Our expert agents handle the legwork, starting with an instant, free quote, and continue to work with you to tailor your coverage and find all available discounts. By taking the burden off your shoulders, we ensure you get the best value and protection for your home. At TGS Insurance Agency, we shop so you can save. It truly is that easy.

 

Understanding Home Insurance Coverage in Pensacola

 

As a homeowner in Pensacola, your house is likely your most significant investment, deserving robust protection. Crafting a home insurance policy tailored to your unique needs is crucial. Various insurance providers offer diverse coverage options, endorsements, and protections, each with specific conditions and limitations, allowing for personalized policies. The most common types of coverage included in a homeowners insurance policy are:

  • Dwelling Coverage: Protects the structure of your home.
  • Other Structures Coverage: Covers buildings not attached to your main house, such as detached garages, sheds, and fences.
  • Personal Property Coverage: Insures your belongings, including furniture, electronics, and clothing, for repair or replacement.
  • Loss of Use Coverage: Pays for additional living expenses if you need to live elsewhere while your home undergoes repairs.
  • Personal Liability Coverage: Covers legal costs if someone is injured on your property or if you cause damage and face a lawsuit.
  • Medical Payments Coverage: Helps pay medical expenses for non-household members injured on your property.

 

What’s the Average Cost of Home Insurance in Pensacola, Florida?

 

In Pensacola, TGS Insurance customers typically pay around $5,060 annually for home insurance. This figure is based on policies that include a 2% deductible for wind and hail coverage and an average home value of $446,409. Your actual premium may vary depending on several factors, such as your credit score, the location of your home, its value, and its age. Use our instant quote tool to compare rates quickly by entering your address. Once you receive your quote, reach out to one of our agents to tailor your coverage to your specific needs!

 

The Impact of Home Age on Pensacola Home Insurance Rates

 

Insurance companies assess home insurance rates based on various factors, including the age of the property. Older homes typically face higher insurance premiums because they often come with aged electrical, plumbing, and heating systems, posing increased risks for fires and water damage. Furthermore, older homes may not meet the latest building codes and may be constructed with materials that have degraded over time. On the flip side, newer homes are generally built with advanced materials and technologies, adhere to current safety regulations, and include modern security features, reducing the risk of damage and lowering insurance rates.

 

For example, TGS Insurance customers in Pensacola with homes over 25 years old pay an average annual premium of $6,617. In contrast, those with newer homes pay about $3,278 per year. This difference underscores how the age of a home affects insurance costs, with older homes typically leading to higher premiums due to the increased likelihood of claims.

 

How Pensacola Home Insurance is Affected By the Size of Your Home

 

Home insurance costs are significantly influenced by the size of the property. Larger homes generally attract higher insurance premiums because the expense to repair or replace them in the event of a claim is greater. More square footage means higher costs for materials and labor needed for reconstruction. Additionally, larger homes often contain more personal items, which increases the coverage amount required. Insurers also factor in the more extensive and complex systems found in larger homes, such as plumbing and electrical, which are costlier to maintain and repair. In contrast, smaller homes tend to have lower insurance premiums due to their reduced replacement costs and fewer belongings.

For instance, TGS Insurance customers in Pensacola with homes larger than 2,500 square feet pay an average annual premium of $6,427, compared to those with homes under 2,500 square feet who pay around $4,479 per year. This comparison highlights the impact of home size on insurance costs, with larger homes resulting in higher premiums due to greater potential claims.

 

How Insurance Companies Determine Your Home Insurance Premiums

 

Different insurance carriers can charge varying rates for home insurance due to a number of reasons. Each company has its own risk evaluation process, taking into account factors such as the home’s location, age, and condition, in addition to the homeowner’s claim history and credit score. Insurers may also offer different types of discounts, like those for bundling policies, installing security systems, or having a no-claims history. Furthermore, carriers’ approaches to assessing regional risks and past natural disasters can lead to differences in premium costs. The quality of customer service and the financial health of the insurer can also play a role in determining rates, with well-established firms possibly pricing their policies higher due to their stability and comprehensive coverage. Consequently, it is vital for homeowners to shop around and compare quotes from various carriers to find the best deal.

 

Zip Codes in Pensacola TGS Insurance Covers

 

32401324023240332404
32405324063240832409
324113241232417

 

Didn’t find your zip code? No problem! We provide assistance to homeowners all over Florida to secure the best home insurance. Kick-off with a free instant quote by entering your address above.

TGS Insurance is Pensacola's Premier Home Insurance Provider

Pensacola neighborhood

Pensacola, Florida, is a historic city known for its beautiful white-sand beaches, Naval Air Station, and vibrant downtown. With a rich cultural heritage and a variety of outdoor activities, Pensacola offers a dynamic and picturesque coastal living experience

Pensacola neighborhood

Serving the Pensacola community, TGS Insurance Agency ensures you get the most comprehensive home insurance coverage with unparalleled customer support. Don't wait for the unexpected—get a free quote today and protect your home and family.

Key Home Statistics in Pensacola

54,316

Total Population in Pensacola, FL

$266,546

Average Home Value in Pensacola, FL

$61,094

Median Household Income in Pensacola, FL

39

Median Age in Pensacola, FL

Trust TGS Insurance in Pensacola

Data as of November 21, 2024

24,189

Total
Customers

$10.1 B

Total Assets Covered Projected

24,000

Total Homes Insured

9,000

Total Vehicles Insured

Major Neighborhoods in Pensacola, FL

Image of Cordova Park Neighborhood

Cordova Park

Cordova Park offers a suburban feel with well-kept homes, top-rated schools, and easy access to shopping, dining, and medical facilities.

Image of East Hill Neighborhood

East Hill

East Hill is a historic neighborhood known for its charming bungalows, tree-lined streets, and proximity to downtown Pensacola and Bayview Park.

Image of Downtown Pensacola Neighborhood

Downtown Pensacola

Downtown Pensacola is vibrant with a mix of historic and modern homes, a lively arts scene, and a variety of shops, restaurants, and nightlife.

Local Home Resources in Pensacola, FL

Fire Departments
Brent Fire Dept5925 N W St
Pensacola, FL 32505
(850) 494-7275
Ensley Volunteer Fire Department8634 Pensacola Blvd
Pensacola, FL 32534
(850) 475-5550
Ferry Pass Volunteer Fire Department2331 E Johnson Ave
Pensacola, FL 32514
(850) 477-1747
Fire Department - Innerarity Point Volunteer Fire Department14250 Innerarity Point Rd
Pensacola, FL 32507
(850) 492-0544
Fire Department - Myrtle Grove Volunteer Fire Department7209 Lillian Hwy
Pensacola, FL 32506
(850) 455-5411
Fire Department - Warrington Volunteer Fire Department- Non Fire Pur20 N Navy Blvd
Pensacola, FL 32507
(850) 453-7770
Fire Dept Non Fire Prpss4701 Maywood Ave
Pensacola, FL 32526
(850) 944-6006
Innerarity Point Volunteer1425 Bauer Rd
Pensacola, FL 32506
(850) 453-6233
Innerarity Point Volunteer Fire Department - Station C15500 Perdido Key Dr
Pensacola, FL 32507
(850) 492-1017
Pensacola Fire Dept475 E Strong St
Pensacola, FL 32501
(850) 436-5200
Pleasant Grove Volunteer Fire Department9350 Gulf Beach Hwy
Pensacola, FL 32507
(850) 492-3652
Police Departments
Escambia County Sheriff Dept1700 W Leonard St
Pensacola, FL 32592
8505872142
Escambia County Sheriff's Dept1700 W Leonard St
Pensacola, FL 32501
8504369580
Escambia County Sheriff's Ofc1700 W Leonard St
Pensacola, FL 32592
8502566194
Florida Highway Patrol150 Stumpfield Rd
Pensacola, FL 32503
8504755415
Florida Highway Patrol150 Stumpfield Rd
Pensacola, FL 32592
8504845000
Pensacola Police Chief711 N Hayne St
Pensacola, FL 32501
8504351855
Pensacola Police Department711 N Hayne St
Pensacola, FL 32592
8504351905
Pensacola Police Dept711 N HAYNE ST
PENSACOLA, FL 32501-4000
8504351845
Pensacola Police Dept-Records711 N Hayne St
Pensacola, FL 32592
8504351915
Pensacola Police Dept-records711 N Hayne St
Pensacola, FL 32501
8504351915
Pensacola Police Patrol Capt711 N Hayne St
Pensacola, FL 32592
8504351950
Pensacola Police-Patrol Capt711 N Hayne St
Pensacola, FL 32592
8504351950
Pensacola Police-Traffic Squad711 N Hayne St
Pensacola, FL 32592
8504351945
Sheriff's Department-Finance1700 W Leonard St
Pensacola, FL 32501
8504369350
Sheriff's Department-Patrol1700 W Leonard St
Pensacola, FL 32501
8504369350
Sheriff's Dept-Criminal Record1700 W Leonard St
Pensacola, FL 32501
8504369350
Sheriff's Dept-Criminal Record1700 W Leonard St
Pensacola, FL 32592
8504369501
Sheriff's Dept-Evidence Room1700 W Leonard St
Pensacola, FL 32501
8504369350
Sheriff's Dept-Finance1700 W Leonard St
Pensacola, FL 32592
8504369546
Sheriff's Dept-ID & Crime Scn1700 W Leonard St
Pensacola, FL 32592
8504369560
Sheriff's Dept-id & Crime Scn1700 W Leonard St
Pensacola, FL 32501
8504369560
Sheriff's Dept-Traffic Unit1700 W Leonard St
Pensacola, FL 32592
8504369350
Sheriff's Dept-traffic Unit1700 W Leonard St
Pensacola, FL 32501
8504369350
Sheriff's Dept-Victim Svc1700 W Leonard St
Pensacola, FL 32501
8504369350
Sheriffs Dept1700 W Leonard St
Pensacola, FL 32501
8504369350
Sheriffs Dept1700 W Leonard St
Pensacola, FL 32592
8504369584