Why is homeowners insurance so high in downtown pensacola?Why is insurance so high in downtown pensacola, say in the historical district? The quotes are $3K to 4K a year. These homes are not in a flood zone. Yes updates have been done, 4 point inspection good and Wind mitigation good. Homes on the water across the bay are only paying 1.6K a year plus $400 for flood. But still cheaper than downtown pensacola!!! Other homes on the beach have cheaper insurance than these homes. So What's Up?February 19 2011 - Pensacola00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.