The top-rated home insurance agent in Pensacola, Florida is John Shaffer - State Farm Insurance Agent, rated 4.9 stars across 1,046 reviews. Other highly rated options include Will Rentschler - State Farm Insurance Agent, Advance Insurance of Northwest Florida, Florida Insurance Agency. This directory lists 41 home insurance agents serving Pensacola.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | John Shaffer - State Farm Insurance Agent | 117 N Palafox St | (850) 433-4343 |
| 2 | Will Rentschler - State Farm Insurance Agent | 1301 E Cervantes St | (850) 433-4678 |
| 3 | Advance Insurance of Northwest Florida | 105 Beverly Pkwy | (850) 469-0880 |
| 4 | Florida Insurance Agency | 17 W Government St Suite A | (850) 972-8070 |
| 5 | Dustin Bonifay - State Farm Insurance Agent | 6705 Pine Forest Rd Ste 100 | (850) 937-3131 |
| 6 | Classic Insurance Group | 1545 E Olive Rd | (850) 332-5717 |
| 7 | Globe Life Liberty National Division: The Mitchell & Mitchell Agencies | 1449 W 9 Mile Rd Suite 11 & 12 | (251) 660-4437 |
| 8 | Acceptance Insurance | 5022 W Fairfield Dr # C | (850) 204-3849 |
| 9 | Erb and Young Insurance - Pensacola | 2170 Creighton Rd | (850) 494-2264 |
| 10 | The O'Neil Agency LLC (Formerly David Seckinger & Associates) | 1117 N 9th Ave | (850) 469-8082 |
John Shaffer - State Farm Insurance Agent serves homeowners across Pensacola, Florida and surrounding Escambia County. The agency provides standard home insurance policies that protect dwellings, personal property, and liability for local residents. It also guides clients through coverage options for hurricane damage and flooding, which are common concerns in the Pensacola coastal area. The company handles policy adjustments for rental properties and secondary homes in the region.
Will Rentschler - State Farm Insurance Agent provides homeowners insurance policies tailored for local property owners in the Pensacola area. Its standard offerings include dwelling coverage, personal liability protection, and optional endorsements for valuable items or additional structures. Service plans involve assisting clients with policy reviews, claims filing support, and adjusting coverage limits after life changes. The agent services single-family homes, apartments, retail spaces, and restaurants across the region.
Advance Insurance of Northwest Florida serves Pensacola and the surrounding communities of the Florida Panhandle. It handles home insurance policies for local homeowners, covering various residential property types. The business assists clients in comparing coverage options and deductibles to match their individual protection needs. It communicates policy details clearly, bundling homeowner and other personal lines as appropriate. For a typical job, the agent reviews the client's current coverage and property details to identify potential gaps, then offers a tailored selection of policies from multiple carriers.
Florida Insurance Agency serves homeowners across Pensacola and the surrounding Escambia County area, providing home insurance solutions tailored to protect single-family properties. The company assists property owners in evaluating their coverage needs, including dwelling protection and liability options suited for the Gulf Coast region. It works with clients to navigate policy selections that address local weather considerations and standard home risks. The agency also extends its services to property managers and residents in neighboring Milton, ensuring coverage access throughout the broader Santa Rosa County metro area.
Dustin Bonifay - State Farm Insurance Agent in Pensacola, FL, provides specialty services for homeowners policies, including coverage for dwelling, personal property, and liability protection. It serves local residents by tailoring insurance plans to fit individual property needs and helping clients understand their policy details. As seasonal storms are common in this coastal area, the agency assists homeowners with reviewing wind and hail coverage well before hurricane season begins.
Classic Insurance Group in Pensacola, FL, distinguishes one-time policy purchases from recurring annual renewals, ensuring clients understand the difference between a single-term commitment and ongoing coverage. They advise on standard home insurance options, including dwelling, personal property, and liability protection tailored to local weather risks. Their service runs on a scheduled basis, with policies available for annual terms and regular renewal reviews.
With hurricane season approaching in Pensacola, homeowners need coverage that addresses wind and storm damage. Globe Life Liberty National Division: The Mitchell & Mitchell Agencies specializes in personal property policies that match local risk profiles. Their agents work to explain deductibles and coverage limits clearly before binding a new policy. For a new quote or renewal review, they first schedule a brief property inspection to document the home’s current condition and note any required updates or safety features.
Acceptance Insurance provides residential home insurance services for properties in the Pensacola area. Their team also handles commercial coverage for local businesses throughout the community. Agents work with homeowners to assess individual needs and secure appropriate policies tailored to each property’s requirements. After securing initial coverage, clients can follow up with the agency for routine policy reviews or adjustments between regular service visits, ensuring ongoing protection remains aligned with changing circumstances.
Erb and Young Insurance in Pensacola is known for providing personalized guidance tailored to local homeowners. Their service range includes standard dwelling coverage, personal liability protection, and policies for condos or rental properties. They secure plans that address regional weather risks common to the Florida Gulf Coast area. As a specialty service, this agency can add on flood insurance options to address specific water damage exposures.
The O'Neil Agency LLC, formerly David Seckinger & Associates, provides home insurance solutions for property owners in Pensacola, Florida. Its services cover essential dwelling protection and liability coverage tailored to local coastal conditions. The agency helps clients navigate standard policies and risk assessments common to the region. As a specialized add-on, it offers coverage for flood damage, a crucial consideration for homes in this area.
What Does a a Home Insurance Agent in Pensacola Cost?
Home insurance costs in Pensacola vary widely based on the homes age construction and distance from the coast. Average annual premiums in Escambia County range from 2500 to 6000 dollars for a standard homeowners policy. Windstorm and flood coverage add significant cost. Factors like roof age and mitigation features also affect your rate. This is general information and not insurance advice.
About home insurance agents in Pensacola
A home insurance agent in Pensacola can help you find a policy that meets Florida specific requirements. Florida law requires windstorm coverage and many lenders also require flood insurance in coastal areas. An agent can explain how recent Florida insurance reforms may affect your premium and coverage options.
Frequently Asked Questions
What does a home insurance agent in Pensacola do?
A home insurance agent helps you compare policies from different carriers to find coverage for your home. They explain Florida specific requirements like wind mitigation inspections and sinkhole coverage. They also assist with claims and policy changes after a storm.
Is flood insurance required for homes in Pensacola?
Flood insurance is not required by Florida law but most mortgage lenders in Pensacola require it because the area is in a high risk flood zone. A home insurance agent can help you get a flood policy through the National Flood Insurance Program or a private carrier.
How do Florida insurance laws affect my home policy in Pensacola?
Florida law mandates that insurers offer windstorm coverage and allows for a separate wind deductible. Recent 2023 reforms changed assignment of benefits rules and limited attorney fees. An agent can explain how these laws affect your specific policy and claims process.
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