Updated: November 26, 2024
Advertising & Editorial Disclosure
In Tallahassee, FL, State Farm is the best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is the right provider for you.
These companies cater to different needs, so select a provider based on what is important to you. Choose the best cheap home insurance based on cost, customer service, coverage options and other factors.
Best HomeInsuranceTallahassee, FLTable of Contents
Why Trust MoneyGeek? We used data from Florida's Department of Insurance and Quadrant Information Services to find top homeowners insurance in Tallahassee. Our recommendations are data-driven and align with industry standards.
Home insurance premiums in Tallahassee represent the most competitive rates as of September 2024.
MoneyGeek found that State Farm is the best option in Tallahassee, FL, for home insurance with $100K dwelling coverage, scoring 93 out of 100.
The scores for home insurance companies in Tallahassee range from 49 to 93. These scores reflect MoneyGeek's scoring system, where insurers might get different scores based on factors like credit history and the age of your home.
| State Farm | 93 | $515 |
| Nationwide | 82 | $916 |
| Florida Peninsula Insurance | 79 | $818 |
| Allstate | 72 | $1,025 |
| Heritage Insurance | 69 | $728 |
| ASI | 68 | $842 |
| Chubb | 62 | $1,897 |
| Universal Property | 49 | $1,474 |
MoneyGeek found that State Farm is the best home insurance option in Tallahassee, FL, for $100K dwelling coverage. The two best overall home insurance companies in the city for the same dwelling coverage are:
State Farm stands out because of its affordability and strong customer satisfaction, significantly contributing to its MoneyGeek score.
In Tallahassee, there are a variety of companies with different cost and service experiences, and while cost is crucial, other factors such as customer service and claims process are equally essential, particularly when you need to make claims.
State Farm ranks high, with a MoneyGeek score of 93, thanks to its strong affordability and customer satisfaction scores. It offers comprehensive home insurance coverage. Building ordinance or law coverage helps with costs if local laws require changes to your home. Scheduled personal property covers valuable items like cameras and sports equipment. Back-up of sewer or drain coverage protects against water damage from backed-up sewers.
State Farm also helps policyholders save money. Bundling policies can reduce premiums, and installing security systems can qualify for discounts.
MoneyGeek found that Chubb offers the best customer service in home insurance for 100K dwelling coverage in Tallahassee, FL. Here are the top two providers:
Chubb excels in customer satisfaction and offers comprehensive coverage. It outshines competitors with its ability to address customer needs efficiently and effectively. Excellent service in home insurance is about prompt, helpful communication and reliable claim processing.
Chubb is the best for service quality, with high customer satisfaction and coverage scores. Chubb provides valuable coverages like guaranteed replacement cost, which helps rebuild your home even if costs exceed your policy limit, and building ordinance or law, which helps bring your home up to code after a loss. Cash settlement is also available as a payout if you choose not to rebuild.
You can also save money with discounts. The new home discount applies if your home is seven or 10 years old or less, and home renovation discount is for homes renovated in the last six years.
MoneyGeek found that State Farm is the best cheap option in Tallahassee, FL. The top two best cheapest homeowner insurance companies for $100K dwelling coverage are:
State Farm balances affordability and customer satisfaction. Choosing cheap home insurance usually means opting for lower coverage, which saves money but might not be enough if an accident happens. In cases where saving on premiums is key, consider the cheapest companies or learn the average cost of homeowners insurance in Florida. The best affordable option is not always the same as the absolute cheapest one.
State Farm is the best cheap company, with high MoneyGeek scores in affordability and satisfaction. It provides useful coverages like building ordinance or law, which helps with rebuilding costs if laws change, back-up of sewer or drain to cover water damage from backed-up drains and mold coverage to protect against mold damage. You can save with discounts like bundling, wherein you combine policies, and installing protective devices.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
A variety of factors, including location, affect homeowners insurance in Tallahassee. To save money, compare insurance rates, although this can take over an hour as each company's quote might need up to 15 minutes. For quick savings, use MoneyGeek's home insurance calculator to focus on key factors. Simply enter your age, coverage details, credit score and deductible to get a rate estimate.
MoneyGeek found that State Farm is the best option in Tallahassee, FL. The key factor influencing home insurance premiums is the dwelling coverage you choose.
State Farm is the cheapest homeowners insurance in Tallahassee, offering the lowest rates for all dwelling coverage options. Purchasing cheap home insurance, like the cheapest homeowners insurance in Florida, can greatly assist in managing your finances effectively.
| State Farm | $515 |
| Heritage Insurance | $728 |
| Florida Peninsula Insurance | $818 |
| ASI | $842 |
| Nationwide | $916 |
| Allstate | $1,025 |
| Universal Property | $1,474 |
| Chubb | $1,897 |
MoneyGeek found that State Farm is the best option for high-value homes in Tallahassee, FL. Homes needing high dwelling coverage due to costly replacements can see increased home insurance costs.
State Farm's low premiums make it the most affordable homeowners insurance option here. It also ranks highly in overall performance, making it a great choice.
| State Farm | $2,144 |
| Allstate | $3,554 |
| Nationwide | $4,690 |
| ASI | $5,228 |
| Heritage Insurance | $5,678 |
| Florida Peninsula Insurance | $6,673 |
| Universal Property | $7,894 |
| Chubb | $14,520 |
State Farm is the cheapest home insurance provider for new homes and different dwelling coverages in Tallahassee, FL.
State Farm has low annual premiums for $100K dwelling coverage, but It also ranks high overall, which indicates good service. Remember, while finding a good price is important, you must also be adequately covered.
| State Farm | $225 |
| ASI | $278 |
| Nationwide | $381 |
| Allstate | $501 |
| Heritage Insurance | $507 |
| Florida Peninsula Insurance | $608 |
| Universal Property | $1,049 |
| Chubb | $1,296 |
The best cheap homeowners insurance providers balance quality and cost by offering great customer service and coverage with affordable premiums. In Tallahassee, the best cheap homeowners insurance depends on your needs. Consider factors like coverage options, customer service and insurer stability. Follow these steps to get the best cheap home insurance:
To determine how much home insurance coverage you need, consider the specifics of your home in Tallahassee. Take into account rebuilding costs, personal property value and liability needs.
Explore insurance companies serving Tallahassee. Look for those with strong financial stability, good customer reviews and a history of quality service.
After identifying your coverage needs, compare home insurance quotes. In Tallahassee, premiums for $100K dwelling coverage range from $515 to $1,897 annually.
Inquire with each provider about possible discounts, such as bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can lower your premium. Ensure it's an amount you can comfortably pay if needed.
Adding security systems and sturdy locks can lower the risk profile of your home, potentially reducing insurance costs.
Keeping a good credit score can influence your insurance rates in Tallahassee. Pay bills promptly and manage debt wisely.
Consider combining your homeowners insurance with other policies like auto insurance to receive discounts and save money.
The best cheap home insurance provider in Tallahassee depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about insurance rates in the area to make an informed choice.
The average home insurance cost in Tallahassee is $813.
The cheapest home insurance company in Tallahassee is State Farm, with an annual premium of $515.
The best home insurance in Florida for Tallahassee residents is from State Farm, with a MoneyGeek score of 93 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
