Home insurance in Tallahassee
Protect your home with top-rated coverage that could save you over $1,000 every year.*
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Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
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Tell us about your home.
Answer a few basic questions, and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
What does homeowners insurance cover in Tallahassee?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Discounts available in Tallahassee
The average cost of home insurance is more than $9,400 per year in Florida, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security or fire alarms (available for nonmobile homes).
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
We've got Florida covered.
We help Floridians find coverage across the entire Sunshine State!
We sell policies in every county in Florida, including in these major cities:
- Cape Coral
- Fort Lauderdale
- Fort Myers
- Hialeah
- Jacksonville
- Miami
- Orlando
- Pembroke Pines
- Pensacola
- Port St. Lucie
- Sarasota
- St. Petersburg
- Tallahassee
- Tampa
Common questions about Tallahassee home insurance
What’s the average cost of home insurance in Tallahassee?
The average cost of homeowners insurance in Florida is $9,462 according to the latest data available from the Consumer Federation of America. However, Tallahassee residents are likely to see slightly lower-than-average rates for the same amount of coverage, thanks to its inland location and reduced risk of direct hurricane impacts.
Still, how much you pay for coverage will depend on a range of factors, including your property’s age, composition, and ZIP code.
What factors affect home insurance premiums in Tallahassee?
The following factors will affect how much you pay for home insurance in Tallahassee.
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Distance from the coast, which reduces wind risk
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Wildfire and storm surge exposure in rural outskirts
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Roof material and age
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Home’s structural integrity and age
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Claims history in Leon County
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Elevation and proximity to floodplains
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Access to fire stations and hydrants
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Your credit-based insurance score
How much home insurance do I need in Tallahassee?
Though everyone’s home insurance needs are unique, consider the following best practices when determining your coverage needs.
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Enough dwelling coverage to rebuild your property in North Florida’s cost structure
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Personal property coverage suited for your risk tolerance and the total value of your insurable belongings
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Liability protection to cover the total value of your assets, like real estate, vehicles, and savings
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Enough other structures coverage to rebuild any detached structures on your property, such as garages, sheds, or a pool house
What does home insurance not cover in Tallahassee?
Tallahassee home insurance policies may exclude or limit coverage for the following:
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Floods and water damage from rising water
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Normal wear and tear
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Most instances of mold, mildew, and rot
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Sinkholes, earthquakes, and other land shifts or movements
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Pest damage
What additional coverages should Tallahassee homeowners consider?
Due to Tallahassee’s wooded areas, rainfall, and seasonal storms, homeowners should consider:
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Flood insurance
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Water backup protection
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Law or ordinance coverage
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Extended replacement cost coverage
Is home insurance required in Tallahassee?
Home insurance is not required by law in Tallahassee. Still, if you have a mortgage, your lender will likely require you to carry coverage until the loan is paid off.
Consider purchasing coverage even if you pay off or don’t have a mortgage. The right policy can save you thousands of dollars after a covered loss, such as a storm, fire, or theft.
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