Request a quote for FL Homeowners Insurance:
Or if you have all of your information ready:
You want to know that your homeowners insurance is there when something goes wrong in your house or around your property. As an insurance carrier since 1965, let our team of experts show you what we know about homeowners insurance in Pensacola and provide you with the complete package of all necessary coverages you need for your unique Pensacola home.
We are the largest broker of home insurance in the Florida Panhandle and we have our finger on the pulse of the insurance market. We know all of the available markets and monitor their continual changes so we can offer you some of the lowest rates out there.
Insurance for Every Type of Homeowner in Pensacola
A large percentage of our clients purchase traditional homeowners insurance. This is for coverage on your home and property. Our Pensacola homeowners insurance policy consists of several categories:
Dwelling. This covers replacement costs if your home is destroyed or badly damaged.
Other Structures. This coverage applies to other structures and equipment on your property that are not attached to the dwelling. These may include a detached garage, playscape, gazebo, deck, or storage building.
Personal Property. This third coverage includes all of your personal belongings. There are different payouts and property coverages that can differ greatly so this coverage requires significant consideration.
Additional Living Expenses. If your home is destroyed or you cannot live there while repairs are being made, your expenses can be covered to reside somewhere else.
Personal Liability. For damage that is caused by your actions, (think of your son's baseball going through your neighbor’s picture window) or any other type of bodily liability, you should be covered.
Medical Coverage. If someone is injured on your property, medical expenses should be typically covered.
Homeowners insurance does NOT include flood protection. There are other exclusions as well, but you can purchase additional coverages to meet your needs and we have all the information you will require to make informed decisions about your protection.
Condominium Insurance in Pensacola
Condos are some of Florida's most popular structures. If you are a condo owner, you still need to purchase condominium insurance. Just like homeowners insurance, condo owners are responsible for their own liability and property insurance. Our Pensacola insurance experts with Harris Insurance will guide you to all you need to know about keeping your personal belongings, loss of use of your condo, and more. It does not matter whether your condominium is your year-round residence or a second home; in either case, you still need condo insurance.
People rent all types of homes including houses, mobile homes, condos, or apartments. You may underestimate the value of all your possessions, but they need to be insured against any type of disaster. Renters insurance can insure your things at your place of residence and even your car. If you have ever been the victim of a theft, you know the unsettling feeling that you are left with. It sure is a good feeling when you know no matter what may happen: fire, flood, lightning, theft or storms, your things are covered with your renters insurance policy.
Landlord Insurance Dwelling Policy
As a landlord, your properties are of vital importance. If units are damaged or deemed uninhabitable, you need coverage to address all of the problems that this presents. Our Dwelling Policy will do that for you. The team at Harris Insurance has licensed experts that will evaluate your Pensacola property and offer you property and liability coverage all in one dwelling insurance policy. This also includes being prepared for lawsuits brought on by tenants, family, handymen, or anyone who suffers bodily injury or alleges property damage.
A dwelling policy can bring you great peace of mind when your investment property is insured through on of our top-rated Pensacola insurance companies.
As the trusted choice for Florida’s Homeowner Insurance, we offer policies to protect every unique Florida property & homeowner:
Pensacola Homeowners Insurance Options to Consider
Because we work with so many insurance carriers, we know each insurance market, its challenges, and the best rates. Our Pensacola homeowners insurance experts work hard every day to see that our clients receive the best coverage for their money. While homeowners insurance covers a lot of ground, there are areas it does not hit upon. You have the option to add additional coverages which include:
Flood Insurance. Did you know that the majority of homes that flood each year are NOT in flood zones? It is wise to protect yourself with a flood insurance option, even if you are not in a zone considered prone to flooding.
Equipment Breakdown. Never worry again that TVs, HVAC system, or even a garage door opener will cost you thousands in repairs. For a minimal yearly fee, these items can be covered.
Water Damage. Nothing seems to destroy property like water. Make sure you have adequate coverage for water damage. Even an innocuous leaky pipe can cause thousands of dollars’ worth of damage.
Personal Injury. If you need additional help against libel or slander, we have that covered, too. In the Internet age, do not let others get to you. With our low yearly cost, we can help you be protected against various personal injury threats.
Identity Theft. People lose millions each year in identity theft fraud. Do not let it happen to you.
Jewelry, Guns and Fine Art Collections. Some homeowners have large and valuable collections that need extra insurance. Add the additional coverage you need to protect you in the case of theft.
There are many other homeowners insurance options to consider such as Animal Liability, Ordinance & Law, Military & Senior Discounts, Non-smoker Discounts, Gated & Guarded Community Credits, Mortgage Protection Discounts, Screened Enclosures, Wind Mitigation Credits and much more.
With the many reasons you should consider homeowners insurance, the biggest may be for your peace of mind. Floods, hurricanes, tornadoes, wind damage, fire, and more destroy Florida properties every day. With Pensacola, FL homeowners insurance, you are insured against such losses.
Our Pensacola, FL homeowners insurance protects much more than your property. It can replace your personal belongings, and protect against liability and medical expenses, as well as provide you a place to stay after a disaster.
Homeowners insurance costs will differ depending on your home and what is in it, but your peace of mind is priceless. Harris Insurance offers a wide range of customizable options and coverages, available to everyone. Contact us and let us tailor a policy just for you.
Ordinance and Law
O&L is included but you may wish to increase coverage for a nominal charge. Laws and codes continually change for rebuilding after catastrophes.
Available at 25% to 50% of home original value
Water and sewage rising up through toilets and drains can cause significant expense . (1 inch water damage can equal $25,000 worth of damage)!
$25,000 coverage runs around $25.
After storms, water damage is the cause of more claims than any other. The smallest leak or failure can flood your home in minutes. Be sure you have adequate coverage and most importantly, know the protection you have. Not all policies respond the same.
Are you properly protected? Most insurance companies have changed how they address coverage specific to screened enclosures. If you have a large enclosure, be sure you understand how your policy will respond.
Protects you from unexpected expenses for water, sewer, electric and other service lines that run above or underground to your residence. When there’s a problem with these lines it’s very expensive and disruptive not only to the service but also to your landscape. $10,000 usually runs around $40 annually.
In the internet age of posting messages online, personal injury is a must. Even the allegation of libel or slander can cost you thousands. This protection runs as little as $15/year.
Refrigerated Personal Property
Most usually have several hundred dollars’ worth of goods in their refrigerator and freezer at any given time. You can insure the value of this investment for as little as $10-15/year.
NOT just for dog bites! What if your pet gets out and causes an auto accident? Anything that happens involving your pet can have ramifications. Be sure to protect yourself by adding the valuable coverage.
$25,000-$50,000 coverage is only around $50.
Jewelry, Guns, Fine Art Collections
High value items are the target of theft. You can protect your valuables by adding this special coverage or adding a secondary policy that can protect even against mysterious disappearance. A current appraisal is all we need to get you protected.
CNBC reports seniors lose at least $37 Billion every year to fraud. Get an ID theft resolution option for a surprisingly low annual cost.
Golf Cart Liability
If you own a golf cart, you need this coverage extension to protect against any bodily injury or property damage.
Protect your important home systems from breakdown or mechanical failure. HVAC units, appliances, TVs, even garage door openers are covered! $50,000 is usually around $50.
NOT in a flood zone? Neither are the majority of homes in America that experience flooding. The statistics are even higher in Florida.
Please consider a flood policy and let your agent share your options.
Facts About Pensacola
Located in the most Northwestern tip of Florida, Pensacola is a wonderful beachfront community that has plenty to offer for anyone looking to explore a state park, visit a festival, or have a fun beach getaway. Home to boxing champion Roy Jones Jr, professional baseball player Josh Donaldson, and WWE superstar Roman Reigns, Pensacola experiences high levels of tourism each year, and it is easy to see why.
Between the Pensacola Seafood Festival, the Pensacola Crawfish Festival, and the Great Gulfcoast Arts Festival there is plenty to do and see at all times of the year. Pensacola also hosts the Children’s Art Festival for those who’s kids exhibit a creative side. If you want to see a show, chances are you will be visiting the Pensacola Bay Center, which hosts a number of big-ticket events each year. For the music lovers you can always check out the Pensacola Bay Concert Band, Pensacola Opera, Pensacola Symphony Orchestra, Pensacola Civic Band, Pensacola Children's Chorus, the Choral Society of Pensacola, and Ballet Pensacola.
For outdoor lovers, you can always visit Tarkiln Bayou Preserve State Park, Perdido Key State Park, or Big Lagoon State Park. However, most people will tell you if you truly want to take in the sun, breathe in the fresh sea air, and want to experience Pensacola in the best way possible, you will want to go to one of the many beaches in the area. Pensacola might be tucked away in the top corner of Florida, but it is a hidden gem that is fun for the whole family.
Harris Insurance is a licensed insurance brokerage firm authorized to serve throughout the State of Florida. We are a full-service insurance provider since 1965. We represent more than 150 insurance companies in order to bring the most reputable, "A" rated, insurance companies under one roof to provide comprehensive solutions for your insurance needs.
Home insurance in Florida has changed a lot over the years: vital coverages are now optional, have been limited, or are eliminated altogether depending upon the company. Because of these changes, it is crucial to do business with experienced agents and a company you can trust.
We can provide all kinds of insurance policies including Homeowners Insurance from a variety of companies with multiple rates. Our agents work hard to bring you the most competitive & comparative rates in the industry. We will work with you one-on-one to ensure your complete satisfaction.