Top 5 Home Insurance Companies in Dunedin, FL
Check out the most popular Home Insurance agencies & companies in Dunedin, FL & compare the best quotes from them.
Best Ways To Find Affordable Homeowners Insurance In Dunedin, FL
As a coastal city, Dunedin, FL, is vulnerable to hurricanes and flooding. As a result, homeowners need to have adequate insurance coverage. Homeowners insurance protects your home and belongings in the event of damage or loss from a covered event, such as a fire, theft, or hurricane. It can also provide liability coverage if someone is injured on your property. While no one likes to think about the possibility of their home being damaged or destroyed, it’s important to be prepared. Homeowners insurance can give you peace of mind in knowing that you and your home are protected.
The average cost of homeowners insurance in Dunedin, FL, is $1339. The level of home insurance coverage can be customized to suit the needs and finances of the policyholders. The amount you pay for insurance depends on a number of variables, including the type of coverage you choose, the deductible, the age of your home, safety features, where you live, the weather, and many others. To get the best deal on homeowners insurance, it's crucial to compare prices and coverage offered by various providers. Here are a few ideas to assist you in locating affordable homeowners insurance in Dunedin, Florida.
Here are a few ways which can help you find an affordable homeowners insurance in Dunedin, FL:
1. The amount of coverage you need will affect your premium
2. Consider raising your deductible to lower your premium costs
3. Keep your claims history clean to avoid rate increases
4. Install home security features to lower your rates
The Amount of Coverage you Need will Affect your Premium
As a homeowner in Dunedin, FL, you need to know how the coverage you carry on your homeowners insurance policy will affect your premium costs. If you have a high level of coverage, you can expect your premiums to be higher than if you have a lower level of coverage. The coverage you need will depend on the value of your home and your personal belongings. For example, homeowners opting for $200K coverage pay $1637 on home insurance in Dunedin, FL.
Refer to the chart below for the applicable home insurance rates in Dunedin, FL, based on the coverage level.
Consider Raising your Deductible to Lower your Premium Costs
If you own a home in Dunedin, FL, you're probably aware that homeowners insurance is a necessary expense. But you may need to learn that you could save money on your premiums by raising your deductible. Your deductible is the amount you have to pay out-of-pocket before your insurance policy kicks in. The higher your deductible, the lower your premiums will be. That's because you're telling your insurance company you're willing to take on more risk. You must be sure you can afford to pay your deductible if something goes wrong. But if you're confident in your ability to do so, raising your deductible could be a great way to save on your homeowners insurance costs. Homeowners in Dunedin, Florida, pay $1127 and $1023 in premiums for $1500 and $2000 deductibles, respectively. However, households will pay $1323 or $1197 more for a $500 or $1,000 deductible.
Keep your Claims History Clean to Avoid Rate Increases
As a homeowner in Dunedin, FL, it's essential to keep your claims history clean to avoid rate increases on your homeowners insurance. Though you may be tempted to file a claim for a small repair, it's often not worth it when you consider the potential increase in your premiums. Even a single claim can cause your rates to go up, so it's best to refrain from filing claims if possible. For instance, in Dunedin, Florida residents who have never made a claim are required to pay a $1165 premium. On the other hand, homeowners in Dunedin, Florida, pay $1406 and $1513 for those with one or more claims.
Install Home Security Features to Lower your Rates
There are many things that people can do to lower the cost of their homeowners insurance. One of the best things people can do is install home security features. Some of the most common home security features include deadbolts, burglar alarms, and fire alarms. By installing these home security features, people can often save significant money on their homeowners insurance. For example, homes with deadbolts and fire extinguishers in Dunedin, FL, pay $1178 and $1192 for home insurance.
Top Home Insurance Companies in Dunedin, FL
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| Erie | A+ | 7.02% |
| State Farm | A | 6.9% |
| State Farm | A | 6.9% |
| GEICO | A++ | 3.3% |
| Liberty Mutual | A | 3.2% |
Top Erie Home Insurance Agents in Dunedin, FL
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Deal Insurance Group | 2566 N McMullen Booth Rd Ste B www.dealinsuranceagency.com 33761 |
(727) 796-0408 Email:dealins@wilkes.net |
|
| Terri Kelso Insurance | 2044 Ashley Oaks Circle Ste 102 www.terrikelso.com 33544 |
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| Logan Branch Insurance Inc. | 6434 1ST AVE N www.loganbranch.com 33710 |
727-346-9472 | |
| Linwood Forest Insurance Group Llc | 4404 N TAMIAMI TRAIL www.linwoodforest.com 34234 |
941-360-6777 | |
| Everett Schmenk Ins Agcy Inc | 26238 US Highway 19 N 33761 |
(727) 441-3054 | |
| Leland Smith Insurance Service Inc. | 18424 LIVINGSTON AVE STE 3 33559 |
813-920-0000 | |
| Simpkins Foley Insurance Associates | 8870 N Himes Ave 8870 N Himes Ave Tampa www.simpkinsinsuranceagency.com 33614 |
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| Leland Smith Insurance Service Inc. | 5833 ARGERIAN DR STE 102 www.lelandsmith.com 33545 |
813-782-1777 | |
| Ld&B Insurance & Financial Service | 5705 GULF DR www.ldbinsurance.com 34652 |
727-842-7930 | |
| The Devine Agency Inc | 5383 Ehrlich Rd Ste 101 33625 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Timothy Martin | 1070 Kapp Dr 33765 |
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| Kelly Garland | 100 NORTH INDIAN ROCKS RD 33770 |
800-891-4222 | |
| Chuck Petretti | 3224 W Kennedy Blvd 33609-3007 |
813-879-7808 | |
| Don Dvorak | 11009 Gatewood Dr Ste 104 34211 |
(941) 927-8311 | |
| Lino Goncalves | 5203 GULF DR 34217 |
941-778-2206 | |
| Chase Giossi | 5051 Memorial Hwy 33634-7355 |
813-243-1300 | |
| Sherri Warcholic | 18401 Floralton Dr 34610 |
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| Stacy C Kusma | 3848 Flatiron Loop #102 33544 |
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| Andy Hart | 3650 Erindale Dr 33596-6311 |
813-662-5813 | |
| Todd Reus Lutcf | 3607 W Waters Ave 33614 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Kelly Garrison | 2401 W BAY DR STE 603 33770 |
727-586-1601 Email:kgarrison@geico.com |
|
| Vincent Harris | 451 Central Park Dr 33771 |
Email:viharris@geico.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Dustin Upgren | 9622 W Linebaugh Ave www.dustinupgren.com 33626 |
(813) 336-4904 | |
| Charlie Riesgo | 28960 Us Hwy 19 N Ste 105 www.charlieriesgo.com 33761-2403 |
727-785-1127 | |
| Kelly Hagar | 8200 113TH STREET N STE 201 www.hagarinsuranceagency.com 33772 |
727-393-5000 | |
| Eileen Reigert | 8543 Gunn Hwy www.eileenreigert.com 33556 |
(813) 886-5113 | |
| Teri Digrande | 3165 N Mcmullen Booth Road G-2 www.teridigrande.com 33761 |
(727) 475-2842 | |
| Dennis Mueller | 36163 E Lake Rd www.dlmueller.com 34685 |
(727) 493-0125 | |
| Chris Brecht | 8221 Parkedge Dr www.brechtinsurance.com 33637-1101 |
813-975-1866 | |
| Pamela Jules | 3021 W SWANN AVE www.pamelajules.com 33609 |
(813) 877-7799 | |
| Pamela Clark | 2433 GULF TO BAY BLVD 33765 |
(727) 797-5193 | |
| Tricia Zwirner | 4551 Mainlands Blvd Ste D www.triciazwirner.com 33782 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| John Hilleyer | 8209 Natures Way Unit 203C Lakewood\u00a0Ranch 34202 |
| State Farm | state farm | GEICO | |
| Median Home Value ($) | 154,990 | 144,990 | 174,990 |
| Construction year | 2001 | 1987 | 1965 |
| Home Coverage ($) | $175000-$200000 | $125000-$150000 | $100000-$125000 |
| Total Premium ($) | $3581 | $2612 | $2115 |
Dunedin, FL Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Erie | upto 16% |
| Liberty Mutual | upto 18% |
| GEICO | upto 22% |