Bridges Insurance Agency
1913 Capital Cir NE, Tallahassee, FL 32308
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1913 Capital Cir NE, Tallahassee, FL 32308
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2457 Care Dr Suite A-200, Tallahassee, FL 32308
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200 E Gaines St, Tallahassee, FL 32399
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1836 Hermitage Blvd, Suite 100, Tallahassee, FL 32308
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2121-D Killarney Way, Tallahassee, FL 32309
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113 South Monroe Street, First, Floor, Tallahassee, FL 32301
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1414 Piedmont Drive East, Suite 200, Tallahassee, FL 32308
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313 Williams St, Ste 11, Tallahassee, FL 32303
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608 Railroad Square, Unit 1B, Tallahassee, FL 32310
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2880 Apalachee Pkwy, Tallahassee, FL 32301
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Learn about insurance coverage options specific to Tallahassee residents.
Tallahassee home insurance averages $1,740-$2,950/year—Florida's lowest rates. Learn about tornado risks, tree damage coverage, and how to save on premiums.
Car InsuranceTallahassee drivers pay $170/month on average for car insurance. Learn about Florida's no-fault system, PIP requirements, and how to find cheaper rates.
General Insurance EducationTallahassee residents save big on insurance with rates 40% below Miami. Learn Florida's requirements, flood risks, and how to get the best coverage deals.
Car InsuranceTallahassee drivers pay $2,235/year on average for auto insurance. Learn Florida's PIP requirements, student discounts, and how I-10 traffic affects rates.
The average homeowner in Tallahassee pays between $1,740 and $2,950 per year for home insurance, making it the most affordable major city in Florida. Your actual rate depends on your home's value, age, construction type, and chosen coverage limits. For a $300,000 home with $100,000 liability and a $1,000 deductible, expect to pay around $2,932 annually.
Yes, most policies cover tree damage to your home and structures if the tree was healthy when it fell. However, insurers can deny claims if they determine the tree was diseased, rotting, or poorly maintained. To protect yourself, document the health of large trees on your property and consider professional arborist evaluations for questionable trees near your house.
It depends on your property's location. While Tallahassee isn't coastal, the city's hilly terrain creates localized flooding issues. Check FEMA flood maps for your address—if you're in a Special Flood Hazard Area with a mortgage, flood insurance is required. Even outside these zones, consider coverage if you're near streams or in low-lying areas, as standard homeowners policies exclude flood damage.
Homeowners insurance is for owner-occupied properties, while landlord insurance (or dwelling fire policies) covers rental properties. Landlord policies protect the structure and your liability as a property owner but don't cover tenants' belongings. If you're renting to FSU students, many complexes require tenants to carry $100,000 in Legal Liability to Landlord coverage to protect your property from damage caused by tenant negligence.
Get a wind mitigation inspection to document features like hurricane straps, impact-resistant windows, or newer roofing—these can reduce premiums by 20% to 40%. Bundle your home and auto insurance for additional savings, typically 10% to 25% on both policies. Shop around every few years, as carriers like State Farm and Travelers often have significantly different rates for the same coverage.
Tallahassee has never experienced a direct hit from a major hurricane due to its inland Big Bend location about 25 miles from the Gulf Coast. However, the city faces significant severe weather risks including tornadoes, severe thunderstorms, and tropical storm remnants. The May 2024 tornado outbreak caused over $184 million in damage, demonstrating that non-hurricane weather events pose real risks requiring proper insurance coverage.
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