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Homeowner Insurance in Pensacola-Affordable

Homeowner Insurance Pensacola, Rental Home Insurance, Car Insurance, Boat Insurance, Commercial Insurance, Multiple Properties Insurance.
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Building a NEW Home?
Everyday Classic Insurance Group is saving Pensacola Homeowners Thousands of Dollars by "Comparing" Independent Insurance Companies to get you the BEST rate.
Call TODAY (850) 332-5717 and Save Thousands of Dollars.
Classic Insurance Group has a Team waiting to help you put m...

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Nothing is better than Winning.
Now Alabama Homeowners can be Winners too by calling Classic Insurance Group Pensacola for Affordable Homeowners Insurance.
Sweet Baby Jesus, What are you waiting for?
Call Classic Insurance for a quote. 850 332-5717
Homeowners Insurance Pensacola

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Buying your DREAM home?
Get the Best Homeowners Insurance Rates by calling Pensacola Classic Insurance Group.
As an Independent Agency, we offer the BEST Homeowners Insurance rates in Pensacola. (and in Alabama)
(850) 332-5717
Affordable Homeowners Insurance in Pensacola
Classic Insurance Group...

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Tired of Insurance Sharks?

Classic Insurance Group will save you thousands on your Homeowners Insurance in Pensacola.
Give us a call and let us show you how to save money by switching to an Independent Insurance Agent.

Insuring Homes in Florida & Alabama
Affordable Auto ...

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Bundling Home & Auto Insurance with Classic Insurance Group saves you so much Money, it's VEGAS BABY..
Call us today and see how much you can SAVE when you insure with Classic Insurance Group. (850) 332-5717

Insuring Homes in Florida & Alabama
Affordable Auto insurance
Liability Insur...

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Homeowners Insurance Pensacola

Have you Ever Wondered Why People Suggest Bundling Your Insurance Policies?

Streamline your Insurance Claims with One Agent Handling the details, because sometimes it is Just CRAZY.

Classic Insurance Group also sells "Homeowner...

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Homeowners Insurance Pensacola

Just a Reminder Classic Insurance Group Closes at 3pm on Friday.

Pensacola Classic Insurance Group also offers:

Affordable Auto insurance
Liability Insurance
Renters Insurance
Pet Insura...

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Over Paying on your Homeowners Insurance?
Call Us at Classic Insurance Group and look at what your coverage is to make sure you are NOT over paying for Homeowners insurance. (850) 332-5717

Classic Insurance Group
1417 W. Garden St
Pensacola, FL 32502
850 332-5717
We Also ...

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Building your DREAM home? Call US at Pensacola Classic Insurance Group for the BEST Homeowners Insurance rates in Pensacola.

Classic Insurance Group
1417 W. Garden St
Pensacola, FL 32502
850 332-5717
We Also Insure Homes in Alabama.


Home Owners Insurance in Pensacola

  • Homeowner property Insurance

    Homeowners' insurance is a specific type of property insurance. Homeowners' insurance covers damage or loss by theft and against perils which can include fire, and storm damage. It also may insure the owner for accidental injury or death for which the owner may be legally responsible. Mortgage lenders usually require homeowners' insurance as part of the mortgage terms.The standard homeowners' insurance policy is divided into several component parts:Coverage A Dwelling Coverage B Other Structures Coverage C Personal Property Coverage D Loss of Use/Additional Living Expenses Coverage E Personal Liability Coverage F Medical Payments to Others Additional Coverages Exclusions While Homeowners' Insurance can specifically refer to the insurance of a house, it also encompasses the insurance of other types of structures associated with personal residences including tenants (renters) and condominium unit owners.
  • Umbrella Insurance Policies

    Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. Wikipedia
  • Condo Insurance

    Condo insurance is a policy that is purchased by the owner of a condo unit. It generally helps pay to repair your unit and your belongings if they are stolen or damaged by certain perils, such as fire or vandalism.
  • Multiple Properties Home Insurance

    Umbrella Insurance Policies
  • Rental Insurance

    Renters' insurance, often called tenants' insurance, is an insurance policy that provides some of the benefits of homeowners' insurance, but does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure. Wikipedia
  • Flood Insurance

    Flooding is a serious risk in Florida due to the state’s geography and proximity to water, both inland and on the coast. Insurance to cover this risk is not typically provided in a homeowner’s policy, so it must be purchased separately. Depending on a home’s location, flood insurance may be a required purchase as a condition of a mortgage. The Office has worked to expand Florida’s private flood insurance market, providing for more consumer choice and competition in the marketplace. Insurance companies writing in the private flood insurance market are currently writing primary or excess flood insurance outside of the National Flood Insurance Program (NFIP). Some of these companies write only a limited number of policies or only certain types of flood policies, such as for high value homes. The coverage can be written as a stand-alone flood policy or as an endorsement onto a homeowner’s policy. A vast majority of flood insurance coverage is federally regulated

Automobile and Recreational Insurance

  • Automobile Insurance

    Coverage for motorized land vehicles (e.g., passenger type automobiles, pickups, vans, trucks and motorcycles). The coverage can include loss or damage to the vehicle itself (evaluated at replacement or repair damage cost, actual cash value, or agreed value). It can also include loss, liability, or expense as a result of ownership, maintenance or use of any such vehicle. The coverage also includes medical, hospital and surgical benefits to injured persons, funeral and death benefits to survivors irrespective of legal liability if incurred while in, upon, entering into, alighting from, or being struck by a vehicle if such coverage is issued as part of a liability insurance contract.There are several types of automobile insurance for private passenger automobile coverage (where natural persons are the named insureds and the vehicle is not used as a livery or rented to others):Private Passenger Auto No-Fault (Personal Injury Protection or PIP)Private Passenger Auto Liability
  • Recreational Vehicle RV Insurance

    RV insurance protects you, as a recreational vehicle owner, from excessive out of pocket costs in the event of a loss or if you are at fault in an accident that causes bodily injury or property damage. It can also provide compensation for your costs if you have a roadside breakdown.
  • Motorcycle Insurance

    Motorcycle insurance provides financial protection in the event of a motorcycle accident, loss, theft or damage. Motorcycle insurance includes liability coverage in case you are responsible for another person's injuries or property damage.
  • Boat Insurance

    Boat insurance covers you in the event of a loss or damage to your boat. It covers most watercraft with motors, including fishing boats, pontoon boats, paddle boats, leisure crafts and yachts. ... For small water crafts, you may find some limited coverage under your homeowner's policy.

Business Insurance

  • Business Liability Insurance

    Insurance coverage for professionals such as doctors, lawyers and company managers against loss, damage or expenses as a result of error or negligence alleged to have been committed by the insured in performing professional services. The coverage includes economic losses suffered by third parties, and are claims-made policies.
  • Landlord Protection Insurance

    Landlords' insurance is an insurance policy that covers a property owner from financial losses connected with rental properties.[1] The policy covers the building, with the option of insuring any contents that belong to the landlord that are inside. Landlords' insurance is often referred to as buy-to-let insurance, however buy-to-let insurance is a type of landlords' insurance. It is important to distinguish between buy-to-let insurance which generally covers one property that has been purchased with a buy-to-let mortgage, and multi-property insurance, which covers two or more properties. Each of these types of landlords' insurance covers different things. Landlord insurance is separate from landlords' emergency cover.The policy will normally cover standard perils such as fire, lightning, explosion, storm, escape of water/oil, subsidence, theft and malicious damage. Each insurance policy is different and may or may not include all these items.
  • Commercial Liability Insurance

    Commercial general liability insurance is a broad type of insurance policy which provides liability insurance for general business risks.Commercial General Liability (CGL) is the specific name for a policy of this type in the United States insurance market. It is the "first line" of coverage that a business typically purchases,[1] and covers many of the common risks that can happen to any type of business, such as bodily injury or property damage on the business premises or due to the business operations, personal and advertising injury, and medical payments.[2]It specifically excludes certain types of risks, including professional services, pollution, liquor, and directors and officers liability,[2] and separate insurance policies are available to cover these situations. Construction defects coverage
  • Commercial Umbrella Insurance

    Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.When an insured is liable to someone, the insured's primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy (up to the limit of the umbrella policy).
  • Surety Bonds

    A surety bond or surety is a promise by a surety or guarantor to pay one party (the obligee) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract. The surety bond protects the obligee against losses resulting from the principal's failure to meet the obligation.
  • Workmen's Compensation Insurance

    Workers' Compensation is insurance coverage purchased by the employer/business that provides benefits for job-related employee injuries. Florida law requires all employers to purchase workers' compensation coverage (with a few exceptions). Under a workers' compensation policy, employees are compensated for occupationally incurred injuries, regardless of fault. This coverage makes employers immune from some injury lawsuits by employees. In Florida, the Division of Workers' Compensation within the Department of Financial Services is the primary regulator for ensuring employees receive the proper benefits under this coverage, which includes benefits for medical expenses, disability, or death. The Office of Insurance Regulation primarily regulates the rates, forms and solvency for this type of coverage. The amount of compensation is established by law.

Pet Insurance

  • Medical Insurance for Cats and Dogs

    Pet insurance pays, partly or in total, for veterinary treatment of the insured person's ill or injured pet. Some policies will pay out when the pet dies, or if the pet is lost or stolen. Wikipedia

Special Event Insurance

  • Wedding Insurance

    ( Think Run Away Bride)
  • Niche Insurance

    Niche insurance is insurance that is provided for small, low-demand areas to protect the potential losses of individuals and businesses. Professions which are unusual (Piano tuners) or high risk (such as scaffolders).Temporary event insurance (Fêtes, live music events)Body part insurance, for people whose livelihood depends on the state of a particular part of their body, such as actors' legs or noses.[1]Alien abduction – the first company to offer UFO abduction insurance was through The St. Lawrence Agency. Several celebrities and porn stars have had their penises underwritten in amounts exceeding one million dollars, including Van Halen frontman David Lee Roth,[5] and pornographic actor Keiran Lee[6] – both of whom had their penises underwritten by Lloyd's of London, also known for insuring other body parts including the vocal cords of Bruce Springsteen.


2 months ago
If you prefer putting money in your pocket versus paying it to insurance companies you need to call Wendy. She just doubled my coverage and saved me thousands. Thank you so much for the diligent work. You're the best!
- James M
3 weeks ago
I am very pleased with Classic Insurance they are very friendly, professional, and have given me the best rates and service. I highly recommend this company. Wendy and her team is awesome!
- John J
a month ago
Great people to work with. Very Professional and kind. It has been a pleasure to work with Brianna . She takes time for all your questions and needs and she is very sweet.
- Pamela W

Homeowner Insurance Pensacola

Homeowner Insurance Pensacola.

Shopping for Affordable Homeowner Insurance in Pensacola? 

Living in Pensacola, Florida, it is hard to find the best Insurance Agency because we live in a Hurricane Prone Area and don't forget he had the "Great" flood a few years ago.

 So many companies advertise Affordable Insurance, The Best Insurance Company, but what are you really getting? What is the Insurance Company Rated as? You just want affordable homeowner insurance.

When it comes to Homeowner Insurance in Pensacola, most homeowners shop price, but sometimes that cheap homeowner insurance comes with vital coverage and you won't know what the policy Wont cover until you have a homeowner insurance claim.

Classic Insurance Group sells Homeowner Insurance in Pensacola, Florida and offers many different carriers. 

Depending on the age and construction of your home, you will need to compare companies and what homeowner insurance coverage they will offer you. 

The Details of your home's construction matter when comparing insurance rates in Pensacola. 

Does your home have aluminum wiring? Is your home over 30 years old? Is your home located in a flood zone, or worse yet, did you file a homeowner insurance claim during Hurricane Ivan, or Hurricane Dennis? 

Classic Insurance Group can insure homes with Aluminum wiring and can work with you if your homeowner insurance requires you to put a new roof on your home.

That is why in Pensacola, Florida it is important to contact an Independent Insurance company and let them present you your options to make sure your home is properly insured.

Pensacola Classic Insurance Group is located in the heart of Pensacola and will review your current policy with options available to you.

Look at reviews ratings of top insurance companies.  

Because we are an Independent Insurance Agency, Classic Insurance Group offers the lowest insurance rates in the Pensacola area. 

We will compare your quote and have one of our hundreds of carriers submit a policy quote and educate you how to save money on your homeowners insurance.

Did you just build a new home in Pensacola? 

New construction homes are very inexpensive to insure, so make sure you compare with us, before you decide to stay with your current insurance company. 

They will not inform you how much you can save unless you ask them. 

We are the #1 Rated Insurance Agency in Pensacola, Florida

How to get the Most from your HOMEOWNERS INSURANCE COVERAGE-

Your insurance Company can only cover what it knows you lost. Keeping  accurate records for filing claims in the future is critical. 

Make sure your insurance policy  describes your home – including square footage, number of rooms, age and materials it’s constructed from and account for any recent improvements – like a new roof or water heater – and upgrades – such as a room addition or new pool.

Having an inventory of your possessions is needed because trying to remember what you owned in the emotional aftermath of a disaster, is difficult. 

An easy way to take inventory ahead of time is to go through each room and closet and record every possession on your smartphone's video, noting especially higher-end appliances.

Rare or expensive items such as art, collectibles or jewelry require additional coverage apart from your homeowners, condo or renter’s insurance, and must get appraised first before getting a separate policy.

Store your inventory record and insurer’s contact info somewhere besides your house or digitally where you can retrieve it at any time.  


Research homeowner insurance carriers online at Florida’s rate-shopping site:

 Depending on the age of your home, homeowner insurance varies.

Here are 2 warnings to note: about Home Owner Insurance in Pensacola, Florida:

 1) Price isn’t everything. If a homeowner insurance company is a new firm, they may not have the assets to pay out catastrophe claims, such as Hurricane Michael.

2) If you're with State Farm or All State, you need to shop around now. 

The State of Florida has them as among the highest/worst rates for both new AND old construction homes.

Last piece of advice: Consider getting an independent agent, such as Classic Insurance Group in Pensacola, Florida. 

Classic Insurance Group is an independent Agency and when it comes to homeowner insurance polices, they shop and compare the rates for you. 

Classic Insurance Group will compare coverage limits and guide you through the process of selecting the best homeowner insurance policy that will protect your home, your family and your sanity. 

When it comes to selecting your homeowner insurance policy in Pensacola, Florida, you need to do your homework, or find an independent agency that will put in the work needed to get the best homeowner insurance rates. 

Classic Insurance Group is located at 1417 W. Garden Street, Pensacola Fl. 32502.


 Classic Insurance Group sells Homeowners Insurance as well as other types of insurance for our clients in Pensacola. 

1)  Automobile insurance

2) Boat Insurance

3) Business Insurance

4) Liability Insurance

5) Commercial Property Insurance

6)  Multiple Units Commercial insurance. Yes, have one policy, one renewal date for all of your properties. 

7) Toy insurance-think motorcycles, jet skis, golf carts, ETC.

8) Pet Insurance- Cats, Dogs and more.

9) Special Event Insurance-think about your outdoor wedding.

How to get the Best Home Owner Insurance in Pensacola?

Did you know the average cost of homeowners insurance in Florida is $1993, while the rest of the country pays $1,173 per year for home insurance. How to find the Best Homeowner insurance companies in Florida? Tower Hill Insurance Group. State Farm. Citizens Property Insurance Corporation. Universal Insurance Holdings, Inc. Federated National Insurance Company. But you ask, Do I need hurricane insurance in Florida? That depends on a few things. Florida law requires insurers issuing residential property insurance policies to include hurricane windstorm coverage in the policies (Fla. Stat. Ann. ... “Hurricane coverage” is coverage for loss or damage caused by windstorm during a hurricane.Aug 17, 2006. This is not always the case. Next question: Is hurricane insurance included in homeowners insurance? Ask your homeowner insurance agent. What happens if a Hurricane Damage Caused by Flood? Who pays? Private homeowners insurance policies typically do not cover flood damage. ... However, if a hurricane's wind damages your roof, and rain gets in as a result, you may find that homeowners insurance offers some protection if your policy includes coverage for wind. AGAIN, ask your homeowner insurance agent about this because depending how the adjuster writes the claim, determines if they pay it out. Classic insurance Group sells homeowner insurance in Pensacola, FL.  

RENTERS Insurance-
Yes, having renters insurance is important, because if your rental catches fire, your landlord's homeowner insurance is not going to cover your belongings. 

So you say it's not a big deal?

How many of us can afford to replace everything we own, plus come up with a first and last months rent, security deposit and background check money?

Yes, you need Renters insurance and it is very affordable when you call Classic Insurance Group in Penascola.


Contact Us


Call now
  • (850) 332-5717


Get directions
1417 West Garden Street
Pensacola, FL 32502
United States

Business Hours

Mon:9:00 AM – 5:00 PM
Tue:9:00 AM – 5:00 PM
Wed:9:00 AM – 5:00 PM
Thu:9:00 AM – 5:00 PM
Fri:9:00 AM – 3:00 PM
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