Pensacola Insurance Agency
Home, Auto, Flood & Business Insurance in Escambia County
Protecting Panhandle families and businesses since 1994
Pensacola Insurance: Gulf Coast Risks & Recovery
Pensacola faces unique insurance challenges as a Gulf Coast city with a strong military presence and recurring hurricane threats.
Hurricane Sally's Lasting Impact (2020)
Hurricane Sally made landfall near Gulf Shores in September 2020, devastating Pensacola with historic flooding, wind damage, and storm surge. Downtown Pensacola saw 5+ feet of water. The Pensacola Bay Bridge was closed for months. Insurance claims totaled billions. Many homeowners are STILL dealing with claims disputes and coverage issues.
Gulf Coast Hurricane Exposure
Pensacola sits on the Gulf of Mexico with direct hurricane exposure. Storm surge, wind damage, and flooding are constant threats during hurricane season. Hurricane deductibles of 2-5% apply when a named storm approaches. Expect to pay $4,000-$25,000 out-of-pocket before insurance kicks in.
Flood Zones & Bayou Flooding
Pensacola's bayous, creeks, and low-lying areas create significant flood risk — even inland. Bayou Texar, Bayou Chico, and Escambia Bay all overflow during heavy rain and storm surge. Many Pensacola homes are in FEMA flood zones requiring flood insurance.
Military Community Needs
Pensacola is home to NAS Pensacola (Naval Air Station) and a large military population. Active duty personnel, veterans, and military families have unique insurance needs — PCS moves, deployment coverage gaps, VA loans, and USAA/Navy Federal coordination.
Older Homes & Roof Requirements
Pensacola has many historic and older homes. Insurance carriers are STRICT about roof age — roofs over 15 years old may be declined or face huge surcharges. Metal roofs and impact-resistant shingles get better rates. Wind mitigation inspections are critical for discounts.
Affordable Rates Compared to South Florida
The good news: Pensacola insurance rates are MUCH lower than Miami, Tampa, or Orlando. Average homeowners insurance: $2,500-$5,000/year (vs $6,000-$12,000 in South Florida). The Panhandle market is more stable with better carrier availability.
Why Pensacola Residents Choose Greene & Associates
Panhandle Expertise
We understand Pensacola's unique insurance challenges — Gulf Coast hurricane risk, military community needs, and the lingering impact of Hurricane Sally.
Independent Agency Advantage
As an independent agency, we represent 20+ carriers to find you competitive rates and coverage options — even for coastal and hard-to-place properties.
Military-Friendly Service
We work with military families, active duty personnel, and veterans. We understand PCS moves, deployments, and VA loans.
Personal Insurance for Pensacola Homeowners
Protecting your Pensacola home, car, and family requires coverage built for Gulf Coast risks.
Homeowners Insurance
Pensacola homeowners insurance costs $2,500-$5,000/year on average — much more affordable than South Florida but still expensive due to hurricane risk. Coastal properties (Gulf Breeze, Pensacola Beach, Navarre) pay higher premiums. Hurricane deductibles of 2-5% apply.
Post-Sally market: After Hurricane Sally (2020), some carriers tightened underwriting or left the Panhandle. We represent 20+ carriers and can find coverage even for older homes or coastal properties others won't touch.
Roof requirements: Roofs over 15 years old face challenges. Metal roofs, tile roofs, and architectural shingles get better rates than 3-tab shingles. Wind mitigation inspections ($75-$150) can save you $300-$1,000/year on premiums.
Flood Insurance
Hurricane Sally proved flood insurance is ESSENTIAL in Pensacola. Downtown Pensacola, areas near bayous (Texar, Chico), and neighborhoods near Escambia Bay flooded badly. Even homes not in FEMA high-risk zones got hit. If you have a mortgage and live in Zone A or V, flood insurance is required.
NFIP vs private flood: National Flood Insurance Program (NFIP) covers up to $250,000 dwelling. Private flood insurance offers higher limits and is often cheaper. We quote both and find you the best option.
Cost: Pensacola flood insurance costs $500-$3,000/year depending on your zone and elevation. High-risk zones (V, AE) cost more. Even low-risk properties should consider coverage — it's cheap peace of mind after what Sally taught us.
Auto Insurance
Pensacola auto insurance is relatively affordable compared to South Florida. Average cost: $1,800-$3,000/year for full coverage. I-10, US-98, and Pensacola Beach traffic create accident risks, but the market is competitive.
Military discounts: Active duty personnel and veterans often qualify for discounts with USAA, Geico, and other carriers. We can help coordinate coverage if you're PCSing or deploying.
Uninsured motorist coverage: Florida has a high uninsured driver rate. UM coverage protects you if an uninsured driver causes an accident. It's cheap and critical — don't skip it.
Umbrella Insurance
Umbrella insurance adds $1-5 million in liability coverage beyond your home and auto policies for $200-$500/year. If you own waterfront property, have rental properties, or have significant assets, umbrella insurance protects you from lawsuits that could wipe you out.
Who needs it: Anyone with a beach house, boat, rental property, or net worth over $500,000. One serious lawsuit and your life savings are gone. Umbrella insurance is the cheapest protection you can buy.
Business Insurance for Pensacola Companies
From Palafox Street shops to Pensacola Beach restaurants to military contractors, we protect local Panhandle businesses.
General Liability
Protects your Pensacola business from customer injuries, property damage claims, and lawsuits. Required by most commercial leases and contracts. Starting at $500-$1,500/year depending on your industry.
Workers Compensation
Required in Florida if you have employees. Pensacola contractors, restaurants, and retailers must carry workers comp. Cost depends on payroll and classification codes. We find competitive rates.
Commercial Property
Protects your building, equipment, and inventory from fire, wind, theft, and other perils. Pensacola businesses need hurricane and flood coverage — make sure your policy includes both.
Business Owners Policy (BOP)
Combines general liability, commercial property, and business interruption into one package. Ideal for Pensacola retail shops, offices, restaurants, and service businesses.
Commercial Auto
Pensacola businesses with company vehicles, delivery vans, or contractor trucks need commercial auto insurance. Covers vehicle damage, driver injuries, and liability.
Cyber Liability
Pensacola businesses that collect customer payment info or store sensitive data need cyber insurance. Covers data breaches, ransomware, and regulatory fines. Starting at $500-$2,000/year.
Insurance by Industry in Pensacola
We specialize in insurance for Pensacola's key industries — from Palafox restaurants to Panhandle contractors.
Pensacola Areas We Serve
Greene & Associates Insurance serves homeowners and businesses across Pensacola and Escambia County.
Downtown Pensacola
Palafox, historic district
Pensacola Beach
Santa Rosa Island, Gulf-front
Gulf Breeze
Bridge to Pensacola Beach
East Hill
Historic neighborhood
Cordova Park
Family neighborhood
Navarre
Beach community, Santa Rosa
Perdido Key
Western beach, Alabama border
Cantonment
North Escambia County
Carriers We Represent in Pensacola
Access to 20+ insurance carriers means competitive rates for Panhandle homeowners and businesses.
Trusted Carriers We Represent
Pensacola Insurance FAQ
How much does homeowners insurance cost in Pensacola?
Average Pensacola homeowners insurance costs $2,500-$5,000/year — much lower than South Florida ($6,000-$12,000) but still expensive due to hurricane risk. Coastal properties (Pensacola Beach, Gulf Breeze, Perdido Key) pay more. Older homes with old roofs pay higher premiums.
Do I need flood insurance in Pensacola?
YES. Hurricane Sally (2020) proved that Pensacola floods — badly. Downtown, bayou areas (Texar, Chico), and neighborhoods near Escambia Bay are at risk. If you have a mortgage and live in FEMA Zone A or V, flood insurance is required. Even if you're not in a high-risk zone, you should strongly consider it.
Does Pensacola have lower insurance rates than the rest of Florida?
Yes. Pensacola and the Panhandle have MUCH lower insurance rates than Miami, Tampa, Orlando, and coastal Southeast Florida. The insurance market is more stable, carriers are more willing to write coverage, and premiums are 30-50% cheaper. It's one of the few remaining affordable places to insure a home in Florida.
Get a Pensacola Insurance Quote Today
Pensacola insurance doesn't have to be complicated. Let us shop 20+ carriers to find you the coverage you need at a price that makes sense.
Serving Pensacola, Gulf Breeze, Pensacola Beach, Navarre, Perdido Key, and all of Escambia & Santa Rosa Counties