Updated: December 18, 2024
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In St. Petersburg, Florida, is State Farm is the cheapest choice for home insurance, and Nationwide is the overall best. If customer service is your priority, however, Chubb is best.
These companies cater to different needs, so consider your budget, coverage options, and customer service when choosing home insurance. What's best for you depends on your individual preferences and needs.
Best HomeInsuranceSt. Petersburg,Table of Contents
Why Trust MoneyGeek? We used data from Florida's Department of Insurance and Quadrant Information Services to recommend the best homeowners insurance in St. Petersburg.
Home insurance premiums in St. Petersburg represent the latest available quotes as of September 2024.
Nationwide is the best option for home insurance in St. Petersburg, Florida, for 100K dwelling coverage, with a MoneyGeek score of 93 out of 100.
The scores for home insurance companies in St. Petersburg, Florida, range from 56 to 93 using MoneyGeek's scoring system, and they might vary based on factors like your credit history or the age of your home.
| Nationwide | 93 | $1,288 |
| State Farm | 93 | $1,302 |
| Florida Peninsula Insurance | 84 | $1,794 |
| Allstate | 80 | $2,222 |
| Heritage Insurance | 70 | $2,025 |
| ASI | 66 | $3,015 |
| Chubb | 62 | $7,155 |
| Universal Property | 56 | $4,343 |
Nationwide is the best option in St. Petersburg, Florida, for $100K dwelling coverage. The two best overall home insurance companies in St. Petersburg for $100K dwelling coverage are:
Nationwide stands out as the best home insurance provider due to its mix of affordability and a high coverage score. These factors help homeowners feel secure in both cost and service quality.
In St. Petersburg, Florida, there are many companies with a mix of cost and service experiences. While cost is key, look into other factors like customer service and coverage, especially when making claims.
Nationwide scores high in affordability and satisfaction, making it a top choice for home insurance. It offers comprehensive coverage with cyber event/ID theft and scheduled personal property. Discounts like home renovation and gated community help save money. Renovating your home’s systems or living in a gated community can qualify you for these savings.
Nationwide provides useful coverages like guaranteed replacement cost, which helps rebuild your home after a loss. Service line coverage protects against damage to underground lines, and equipment breakdown covers repairs for mechanical issues.
Chubb is the best option for home insurance with the best customer service in St. Petersburg, Florida, for 100K dwelling coverage. Here are the top two providers for this coverage:
Chubb stands out as the best in St. Petersburg due to its high customer satisfaction and comprehensive coverage options. Excellent service in home insurance means prompt claims processing and reliable customer support.
Chubb is the best for service quality, with high scores in customer satisfaction and coverage. You can save with discounts like new home and home renovation. For new home, your house should be 10 years old or less.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed limits. Building ordinance or law covers code updates during repairs. Cash settlement gives you flexibility if you choose not to rebuild.
State Farm is the best cheap option in St. Petersburg, Florida, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
State Farm stands out due to its high affordability score and decent customer satisfaction ratings. However, cheap home insurance often means opting for lower coverage, which can be great for your wallet but may not be enough if an accident happens.
In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial. The difference between best cheap and cheapest home insurance is more than just cost, as best cheap includes value as well.
State Farm is the best cheap company with high scores in affordability and satisfaction. It offers building ordinance or law and mold coverages.
You can save money with discounts like bundle and protective device. Bundle lets you save by combining home and auto insurance. Protective device gives discounts if you have alarms at home.
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
Many factors impact homeowners insurance in St. Petersburg. Location is one factor. To save money, compare insurance rates, though it might take over an hour for three companies, spending about 15 minutes each.
Use MoneyGeek's home insurance calculator to save time by focusing on important factors. Enter your age, coverage needs, credit score and a few other details for a rate estimate.
Nationwide offers the most affordable home insurance option in St. Petersburg, Florida. The key factor influencing home insurance premiums is the "dwelling coverage" you choose.
Nationwide stands out with its competitive pricing and strong overall score for $100K coverage. State Farm is the least expensive for both $250K and $500K coverage, maintaining an excellent MoneyGeek score. Choosing the cheapest homeowners insurance in Florida can help in managing finances effectively.
| Nationwide | $1,288 |
| State Farm | $1,302 |
| Florida Peninsula Insurance | $1,794 |
| Heritage Insurance | $2,025 |
| Allstate | $2,222 |
| ASI | $3,015 |
| Universal Property | $4,343 |
| Chubb | $7,155 |
State Farm is the top choice for high-value homes in St. Petersburg, Florida, offering annual premiums starting at $5,767 for properties requiring $750K in dwelling coverage. High dwelling coverage is essential for homes that are expensive to replace, and home insurance costs typically increase as coverage amounts rise.
State Farm is the cheapest for both $750K and $1M dwelling coverage in St. Petersburg due to its competitive pricing. While it is the least expensive, it also scores well on overall value, making it the best option.
| State Farm | $5,767 |
| Nationwide | $8,287 |
| Allstate | $14,165 |
| Florida Peninsula Insurance | $14,636 |
| Heritage Insurance | $16,259 |
| ASI | $17,237 |
| Universal Property | $22,793 |
| Chubb | $52,444 |
State Farm is the cheapest home insurance option for new homes in St. Petersburg, FL.
State Farm stands out as the cheapest homeowners insurance in St. Petersburg, FL due to its affordable rates for new homes. Although it is economical, it may not always be the best choice based on other factors.
| State Farm | $520 |
| Nationwide | $646 |
| Heritage Insurance | $871 |
| Allstate | $873 |
| Florida Peninsula Insurance | $1,174 |
| ASI | $1,207 |
| Universal Property | $2,130 |
| Chubb | $4,719 |
The best cheap homeowners insurance providers balance quality and cost by offering great customer service and comprehensive coverage with affordable premiums.
The best cheap homeowners insurance in St. Petersburg depends on your specific needs. Consider factors such as coverage limits, customer service and claims process.
To determine how much home insurance coverage you need, consider the specifics of your home in St. Petersburg, Florida, including rebuilding costs, personal property value and liability needs.
Explore insurance companies serving St. Petersburg, Florida. Look for those with strong financial stability, positive customer reviews and a solid service history.
Once you know what coverages you need, compare home insurance quotes. In St. Petersburg, Florida, premiums for $100K dwelling coverage can range from $1,288 to $3,015 annually.
Inquire with each provider about discounts you may qualify for, such as bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can afford if you need to file a claim.
Enhancing your home's security with systems and durable locks can lower its risk profile and potentially decrease insurance costs.
A strong credit score can influence your insurance rates in St. Petersburg, Florida. Pay bills on time and minimize outstanding debt.
Consider bundling your homeowners insurance with other policies like auto insurance to achieve substantial discounts and savings.
The best cheap home insurance provider for you depends on how much coverage you need and your budget. Get answers to the most common questions about the best cheap insurance rates in St. Petersburg, Florida.
The average cost of home insurance in St. Petersburg, Florida, is $2,202.
Nationwide offers the cheapest home insurance in St. Petersburg, Florida, with an annual premium of $1,288.
The best home insurance in Florida for St. Petersburg residents is provided by Nationwide, 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.
