St. Petersburg Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find affordable homeowners insurance in St. Petersburg


A critical consideration for every homeowner should be their home insurance coverage. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. With the relative frequency of such events -- and the high cost of rebuilding or repairing a home -- getting homeowners coverage is a smart investment.

The price of a homeowners insurance policy depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Discover more information about what a home insurance policy covers.

Finding cheap home insurance in St. Petersburg starts with shopping around and comparing policies. Check out the below summary of average St. Petersburg homeowners insurance rates to ensure you start your search with as much background info as possible. Remember: your homeowners insurance costs may vary based on your coverage limits and other factors.


St. Petersburg, Florida, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in St. Petersburg by insurance company

Homeowners insurance rates in St. Petersburg vary from one insurance company to another. The most inexpensive home insurance in St. Petersburg comes from Security First, which offers average annual rates of just $396 per year. This is more favorable than the city’s average home insurance premium of $1,570.

Below you'll find a list of the cheapest home insurance companies in St. Petersburg, Florida to help you begin your search.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN ST. PETERSBURG
CompanyAverage Annual Rate
Security First$396
State Farm$601
Allstate$885
Citizens$1,890
American Integrity$2,044

Average homeowners insurance costs in St. Petersburg by coverage level

How much you spend on home insurance coverage is greatly affected by the level of coverage you choose. In St. Petersburg, carrying $200K dwelling coverage costs an average of $1,110, while carrying additional coverage up to $400K costs $2,086/year.


HOMEOWNERS INSURANCE RATES IN ST. PETERSBURG — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,110
$400K Dwelling$2,086

Speak with a homeowners insurance expert

St. Petersburg home insurance prices by ZIP code

Depending on the part of St. Petersburg you live in, you might see a big difference in your home insurance costs. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, your neighborhood's location can drastically affect your home insurance rates.

The cheapest home insurance rates in St. Petersburg are available in 33714. In 33714, the typical home insurance policy costs $1,524 per year — $46 less than the citywide average in St. Petersburg. The below table shows the best places to live in St. Petersburg if you’re looking for affordable homeowners insurance.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN ST. PETERSBURG
ZIP CodeAverage Annual Home Insurance Rate
33714$1,524
33716$1,531
33713$1,536

Other areas of St. Petersburg, however, face homeowners rates that are higher than the city average . These areas of the city could be more susceptible to perils such as theft, severe weather, or fires that present more risk for insurance companies. An average annual rate of $1,606 makes 33712 the most expensive ZIP code in St. Petersburg for home insurance.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN ST. PETERSBURG
ZIP CodeAverage Annual Home Insurance Rate
33712$1,606
33711$1,606
33705$1,606

Looking for a money-saving tip for insurance in St. Petersburg? Try bundling

You might want to consider purchasing your auto and home insurance policies through the same company if saving money is one of your concerns. Bundling home and auto insurance can save you a substantial sum each month on your auto insurance bill. Bundling policies in St. Petersburg could, in fact, lead to average annual savings of 6%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN ST. PETERSBURG
CompanyAvg. Annual Auto Insurance Rate (Bundle)
USAA$945
State Farm$1,593
GEICO$2,441
Allstate$2,466
Progressive$2,707

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money. To speak with an insurance expert, reach out to us at 855-493-9728 today.


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