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How to find affordable homeowners insurance in St Petersburg

Homeowners insurance is a critical element of homeownership. Along with your personal belongings, homeowners insurance covers your dwelling in the event of many perils, including theft, fire, wind damage, and vandalism. Incidents like this occur often. When paired with the high cost of repairing or rebuilding a house, investing in an expansive homeowners policy can seem like a great move. The average homeowners policy costs $142 per month in St. Petersburg, Florida.

What you pay for homeowners insurance factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your dwelling can also play a large role in how much you pay for home insurance. Some geographic areas are susceptible to perils such as hail, wildfires, pipe freezes, volcanoes, and other hazards. These perils can lead to more expensive homeowners insurance rates. Discover more information about the specifics of home insurance coverage.

If you want to find cheap home insurance coverage in St. Petersburg, start with shopping around and comparing a variety of different policies. . Check out the below summary of average home insurance premiums in St. Petersburg to begin your home insurance search with as much information as you can. Remember: your homeowners insurance costs may vary based on your coverage limits and other factors.

 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings
 

St Petersburg home insurance by company

What you pay for homeowners insurance in St. Petersburg will depend on the insurance company you get your policy through. State Farm offers the most affordable home insurance in St. Petersburg, at just $702 per year. This compares favorably to the city’s average homeowners premium of $1,705.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest home insurance companies in St. Petersburg, Florida.

 
AFFORDABLE HOME INSURERS IN ST PETERSBURG
Company Average Annual Rate
State Farm $702
Security First $709
Allstate $1,348
American Integrity $1,789
Peoples Trust $1,797
 

St Petersburg homeowners insurance prices by coverage level

Your chosen level of homeowners coverage has an impact on the insurance premiums you pay . In St. Petersburg, carrying $200K dwelling coverage costs an average of $1,181, while carrying additional coverage up to $400K costs $2,363/year.

 
POPULAR COVERAGE LIMITS IN ST PETERSBURG
Coverage Level Average Annual Rate
$100K Dwelling $713
$200K Dwelling $1,181
$250K Dwelling $1,506
$400K Dwelling $2,363
 

St Petersburg home insurance rates by ZIP code

Not every area of St. Petersburg has equal home insurance premiums. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, where you live could have a huge impact in what you pay for insurance.

To find the most affordable home insurance rates in St. Petersburg, look no further than 32803. In the 32803 area, homeowners coverage usually costs just $1,673 per year — a full $32 less than the St. Petersburg average. Find the best places to live in St. Petersburg for cheap home insurance by looking at the table below.

 
AFFORDABLE HOME INSURANCE AREAS IN ST PETERSBURG
ZIP Code Average Annual Home Insurance Rate
32803 $1,673
32812 $1,673
32806 $1,674

Other areas of St. Petersburg, however, face homeowners rates that are higher than the city average . These areas could be more susceptible to perils such as theft, severe weather, or fires that present more risk for insurance companies. The most expensive ZIP code for homeowners insurance in St. Petersburg is 32809, where the average annual rate is $1,730.

 
EXPENSIVE HOME INSURANCE AREAS IN ST PETERSBURG
ZIP Code Average Annual Home Insurance Rate
32809 $1,730
32810 $1,726
32825 $1,725

 

 

St Petersburg homeowners insurance deductibles

Among the plethora of options homeowners face when purchasing a home policy is how high or low to set the deductible. A deductible is the total dollar amount that the insured must contribute toward a covered loss. Choosing your deductible plays a significant role in how much you pay for your coverage.

On the whole, having a low deductible means that your insurance premiums will be higher. Therefore, if you are wanting lower home insurance rates, you’ll want to increase your deductible. It's worth remembering that your deductible should only be as high as you can reasonably pay in the event of a loss.

Take a look at some of the normal deductibles offered by insurers and an approximation of what you can expect your rates to be.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN ST PETERSBURG
Deductible Level Average Annual Homeowners Insurance Rate
$500 $1,637
$1,000 $1,506
$1,500 $1,489
$2,000 $1,330
$5,000 $1,275
 

Home and auto insurance bundling in St Petersburg

If saving money is something you're concerned with, you might purchase insurance for your home and auto through the same insurance company. Bundling your homeowners 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 CAR INSURANCE RATES WITH HOME BUNDLE IN ST PETERSBURG
Company Avg. Annual Auto Insurance Rate (With Bundle)
USAA $837
State Farm $1,419
GEICO $1,971
Allstate $2,251
Progressive $2,464

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.