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2024

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Best Homeowners Insurance Agencies in Tallahassee, FL

Our Recommended Top 14

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Tallahassee Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

111Reviewed

72Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1634 Metropolitan Boulevard, Tallahassee, FL 32308

Expertise.com Rating

Review Sources

Google
4.2 (5)
Facebook
3.7 (3)

Why choose this provider?

Baker-Harris Insurance Agency, Inc., has been catering to the insurance needs of residents and businesses in Tallahassee for more than 41 years. The company assists private residence owners in protecting their homes, assets, and loved ones against disasters through a homeowners' insurance policy. Agents at the firm handle various types of homeowners coverage, including structural damages and repairs, lost or broken personal possessions, additional living expenses due to disasters, and liability protection. The company also provides personal and business insurance policies throughout Florida.

  • Renter's Insurance
  • Personal Property Insurance
  • Flood

1138 E Tennessee St, Tallahassee, FL 32308

Expertise.com Rating

Review Sources

Google
4.9 (75)

Why choose this provider?

Alliance Insurance offers property damage coverage to homeowners in Tallahassee. With more than two decades of experience, the company provides policies that cover natural disasters such as windstorms, lightning, and hail. It also covers instances of fire or smoke, theft, explosions, and vandalism, as well as accidental water damage and frozen plumbing. Alliance Insurance also counsels clients on obtaining what policy fits their needs, discussing matters such as its scope and purpose. Other policies it offers include auto, commercial vehicle, and boat insurance.

  • Multiple Carriers
  • Multiple Policy Types

1535 Killearn Center Blvd STE A3, Tallahassee, FL 32309

Expertise.com Rating

Review Sources

Google
5.0 (7)
Facebook
5.0 (5)

Why choose this provider?

Corey Tyre Insurance Agency is an insurance agency with more than 25 years of experience serving clients in Tallahassee. The agency offers homeowners insurance, which can protect a home and its structure and the contents and personal belongings within. Homeowners themselves are also protected from liabilities, depending on the type of coverage a specific policy can provide. Corey Tyre Insurance Agency has a 24/7 after-hours emergency line available for clients who need urgent assistance after a disaster strikes.

  • Multiple Policy Types

3131 Lonnbladh Rd, Tallahassee, FL 32308

Expertise.com Rating

Review Sources

Facebook
5.0 (28)
Google
4.5 (6)

Why choose this provider?

Earl Bacon Agency has been providing personal and commercial insurance coverages for clients in Tallahassee and the surrounding communities for over 56 years. The agents offer homeowners' insurance, which serves as financial protection of the client's home and its contents in the event of disasters. The homeowners' insurance covers both the damage to the client's property and the client's liability for any injuries sustained by other people while in the client's home. It also includes damage caused by the homeowner to other people's properties.

  • Personal Property Insurance
  • Multiple Policy Types

2522 Capital Cir NE Suite 4, Tallahassee, FL 32308

Expertise.com Rating

Review Sources

Google
4.9 (52)
Facebook
5.0 (1)
Yelp
2.0 (1)

Why choose this provider?

Joe Altenburg - GreatFlorida Insurance is a full-service agency located in Tallahassee. Included in the company's line of products is home insurance. Its team of agents offers home insurance plans that include protection for property damage resulting from hurricanes, fires, or theft. The professionals work with various insurance carriers in order to provide clients with coverage options. Apart from home insurance, they offer flood insurance, renters' insurance, auto insurance, and boat insurance. The insurance specialist provides customer support 24/7.

  • Renter's Insurance
  • Multiple Policy Types

3360 Capital Cir NE Ste B, Tallahassee, FL 32308

Expertise.com Rating

Review Sources

Google
4.2 (64)
Facebook
4.8 (24)
Yelp
3.5 (5)

Why choose this provider?

Vicki Catsimpiris is an insurance services provider with State Farm who has been assisting clients in Tallahassee for more than 20 years. She counsels and assists clients with their homeowners' insurance applications. Basic coverage financially protects clients' homes from disasters, accidents, and other incidents that can lead to property damage. Property insurance also protects valuable items such as jewelry, appliances, collectibles, sports equipment, musical instruments, and even keepsakes like photos. Other insurance services she offers are automobile, life, and renters'.

  • Multiple Policy Types

3692 Coolidge Ct u1, Tallahassee, FL 32311

Expertise.com Rating

Review Sources

Google
4.5 (87)

Why choose this provider?

Star & Shield Insurance Services - AssuredPartners is a Tallahassee-based insurance agency that has been in the industry for more than a decade. The personal insurance advisers from this agency deliver innovative solutions and products that suit the needs of clients. They offer homeowners insurance to protect the home from any unpredictable circumstances. Star & Shield Insurance Services - AssuredPartners provides an option to include additional coverage to the policy such as unlimited replacement costs, excess liability, and natural disaster options.

  • Earthquake
  • Multiple Policy Types
  • Flood

2400 Mahan Dr, Tallahassee, FL 32308

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
4.2 (5)

Why choose this provider?

Demont Insurance Agency has been helping families and businesses in Tallahassee protect their investments since 1964. This company carries personal insurance solutions, including life, flood, automobile, and homeowners' insurance products, from multiple insurance providers. Its insurance agents assist homeowners in finding home insurance plans that meet their needs, using comparative quotes, and ensuring appropriate coverage options. This insurance coverage applies to structural damage, personal property loss, and liability claims from non-resident injuries.

  • Multiple Policy Types

655 East Tennessee Street, Tallahassee, FL 32308

Expertise.com Rating

Review Sources

Google
5.0 (4)
Facebook
5.0 (2)

Why choose this provider?

Butler-Vause Insurance is an independent insurance agency based in Tallahassee that has operated since 1963. It provides various types of homeowners' insurance packages that are carried by an extensive list of insurance companies. These policies financially protect policyholders by covering the damages caused to their homes by insured events and personal belongings. Butler-Vause Insurance also offers condo insurance and renters' insurance. The company is affiliated with the Florida Association of Insurance Agents and Trusted Choice.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

2120 Killarney Way, Tallahassee, FL 32309

Expertise.com Rating

Review Sources

Google
5.0 (699)
Facebook
5.0 (74)
Yelp
5.0 (2)

Why choose this provider?

Founded in 2008, McGinniss Himmel Insurance Agency provides homeowners insurance for clients in Tallahassee. The company thoroughly inspects each client's background and house to understand its nuances. It develops a coverage plan to protect from important risks like structural damage and theft. The company caters to homeowners, renters, and families planning to move into the state. It believes in making personalized plans and being transparent when discussing the clients' needs and objectives.

  • Personal Property Insurance

2500 Apalachee Pkwy ste c, Tallahassee, FL 32301

Expertise.com Rating

Review Sources

Google
4.2 (22)
Facebook
5.0 (2)

Why choose this provider?

Affiliated Insurance Agencies of Florida Inc. is an independent insurance agency that has been serving Tallahassee residents for three decades. It represents a wide range of insurance providers to help ensure it finds the perfect homeowner's insurance policies tailored to clients' specific needs. These plans typically provide protection to homes and their contents against loss or damage caused by unexpected disasters. Affiliated Insurance Agencies of Florida Inc. also offers other insurance products such as auto, recreational, horse, commercial, life, and general liability insurance.

  • Multiple Policy Types

3512 Maclay Boulevard, Tallahassee, FL 32312

Expertise.com Rating

Review Sources

Google
4.8 (32)
Facebook
5.0 (10)
Yelp
4.0 (4)

Why choose this provider?

McKee Insurance Agency provides coverage for homeowners in Tallahassee. Its policies handle damage to the structure caused by natural disasters like snow, lightning, and smoke. It also covers man-made damages and expenses such as theft and vehicular accidents. The company also protects occupants and renters who are injured within the property. McKee Insurance Agency is a family-owned company that was founded almost 40 years ago. Its agents believe in keeping clients informed and adapting to their needs.

  • Multiple Carriers
  • Multiple Policy Types

2750 Chancellorsville Dr, Tallahassee, FL 32312

Expertise.com Rating

Review Sources

Google
5.0 (42)

Why choose this provider?

Southern Financial Insurance Group is an insurance agency serving clients in the Tallahassee area. It specializes in homeowners insurance policies with additional coverage for water and flood damage, sinkholes, and wind and hurricanes. It also offers other insurance products, such as auto insurance, business insurance, life insurance, recreational insurance, and pet insurance. It is a partner of a variety of insurance providers, including AMTRUST and Liberty Mutual. Southern Financial Insurance Group is a member of the Hispanic Chamber of Commerce of Metro Orlando and the Florida Association of Independent Agents.

  • Flood
  • Multiple Policy Types

2880 Apalachee Parkway, Tallahassee, FL 32301

Expertise.com Rating

Review Sources

Google
4.9 (1307)
Facebook
4.7 (30)

Why choose this provider?

Waterhouse Insurance & Financial Services is a Tallahasee-based insurance agency. Its insurance policies support homeowners in case of disasters, by covering the repair or renovation and replacing lost personal property. The agency helps its clients determine their insurance needs while creating a customized program that will address their requirements. Waterhouse Insurance & Financial Services represents Nationwide Insurance, Progressive, Infinity, and Transamerica. Aside from homeowners insurance, the agency also offers business, automobile, and life insurance.

  • Renter's Insurance
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Baker-Harris Insurance Agency, Inc.
1634 Metropolitan Boulevard, Tallahassee, FL 32308
Alliance Insurance
1138 E Tennessee St, Tallahassee, FL 32308
Corey Tyre Insurance Agency
1535 Killearn Center Blvd STE A3, Tallahassee, FL 32309
Earl Bacon Agency
3131 Lonnbladh Rd, Tallahassee, FL 32308
Joe Altenburg - GreatFlorida Insurance
2522 Capital Cir NE Suite 4, Tallahassee, FL 32308
Vicki Catsimpiris - State Farm Insurance Agent
3360 Capital Cir NE Ste B, Tallahassee, FL 32308
Star & Shield Insurance Services - AssuredPartners
3692 Coolidge Ct u1, Tallahassee, FL 32311
Demont Insurance Agency
2400 Mahan Dr, Tallahassee, FL 32308
Butler-Vause Insurance
655 East Tennessee Street, Tallahassee, FL 32308
McGinniss Himmel Insurance Agency
2120 Killarney Way, Tallahassee, FL 32309
Affiliated Insurance Agencies of Florida Inc.
2500 Apalachee Pkwy ste c, Tallahassee, FL 32301
McKee Insurance Agency
3512 Maclay Boulevard, Tallahassee, FL 32312
Southern Financial Insurance Group
2750 Chancellorsville Dr, Tallahassee, FL 32312
Waterhouse Insurance & Financial Services
2880 Apalachee Parkway, Tallahassee, FL 32301

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What is the cost of homeowners’ insurance in Tallahassee?

    The average cost of home insurance in Tallahassee stands at $1,888 annually, which is equivalent to $157 monthly for a policy with $300,000 for dwelling protection. This represents a cost approximately 17% lower than the average yearly expense of $2,288 for homeowners' insurance across Florida and roughly 8% higher than the national average.

  • How can Tallahassee residents save on their homeowners’ insurance costs?

    Tallahassee residents have several options to potentially save on their homeowners' insurance costs, including setting up protective devices such as smoke alarms and water mitigation systems. Installing impact-resistant doors and windows along with reinforced roofing enables homeowners to reduce their premiums. Additionally, homes that are less than six years old also qualify for reduced insurance premiums.

  • Is catastrophic ground cover collapse covered in standard homeowners’ insurance policies in Tallahassee?

    Yes. In fact, Florida is one of the few states that requires insurers to cover catastrophic ground cover collapse in standard policies. A Tallahassee property must meet specific sinkhole-related criteria to gain financial protection. Homeowners might not be covered if they do not face compulsory evacuation or inhabitable conditions due to the sinkhole's impact. They can purchase additional sinkhole coverage to enhance their protection.

  • Does a standard homeowners’ insurance policy automatically cover flooding in Tallahassee?

    Flood insurance is usually not included in standard homeowners' insurance policies in Tallahassee and requires a separate policy. Homeowners can purchase a separate flood insurance policy through the National Flood Insurance Program or through private insurance companies that offer flood coverage. It is also important to note that flood insurance policies have specific terms, coverage limits, and deductibles.

  • What criteria do insurance companies use when determining the cost and risk of insuring a certain residential property and its occupants in Tallahassee?

    Some of the key factors that influence the cost of homeowners' insurance in Tallahassee include the location of the home, the age of the property, and the deductible amount. Other variables that insurers assess include home security features, credit scores, and claims history. Insurance agents and providers help residents find the best coverage and pricing for their specific needs and budget.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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