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Homeowners insurance costs in Manatee County, Florida

Homeowners need home insurance to protect their property and possessions in the event of a natural disaster or other unforeseen circumstances. Home insurance can help cover the cost of repairs or replacement of damaged items and provide financial assistance if the home is uninhabitable. Liability protection is another benefit of having home insurance in case someone is hurt on your property. Home insurance is essential in Manatee County, Florida, due to the risk of hurricanes and other severe weather.

The average cost of homeowners insurance in Manatee County, Florida, is $1398.87. The cost of homeowners insurance will vary based on the value of your home, the age and condition of your home, the type of coverage you choose, and the deductible you set. You can be qualified for a discount on your homeowner's insurance if your home has a security system, smoke detectors, or other safety features. If you have a new house or have updated your existing one to make it more damage-resistant, that also qualifies for a discount.

In addition, homeowners in Manatee County, Florida, must take into account the advantages of various companies before purchasing home insurance. Compare the benefits and losses that Manatee County, Florida, homeowners insurance covers.

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Factors affecting home insurance in Manatee County, FL:

1. Homeowners insurance rates by coverage levels

2. Homeowners insurance rates by deductibles

3. Homeowners insurance rates by materials used

4. Homeowners insurance rates by the number of claims

1. Homeowners insurance in Manatee County - Rates by coverage levels

The amount of coverage you purchase affects your home insurance costs because it determines the amount of money the insurance company will have to pay if you make a claim. For example, if you insure your home for $200,000 but would cost $250,000 to replace, you have a $50,000 coverage gap. If you suffer a total loss, the insurance company would only pay $200,000, and you would be responsible for the remaining $50,000. Increasing your coverage limit to $250,000 would close that coverage gap and likely result in a higher premium.

The price of home insurance in Manatee County, Florida, based on the level of coverage selected by homeowners, is shown below.

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2. Homeowners insurance in Manatee County - Rates by Deductibles

The deductible is the amount of money you must pay out of pocket before your insurance company starts paying for a covered claim. A higher deductible means you will have to pay more money out of your own pocket if you have a claim, but it also means you will have lower premiums. In Manatee County, Florida, homeowners commonly opt for deductibles of $1,000 and $2,000, with the associated premiums being $1250 and $1068, respectively. A low deductible means that homeowners must pay a higher premium. For instance, homeowners in Manatee County, Florida, who choose a $500 deductible pay $1382 for their home insurance.

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3. Homeowners insurance in Manatee County - Rates by the materials used

There are a few reasons why the materials used affect home insurance costs. One reason is that certain materials are more durable than others and can withstand more wear and tear. This means that homes made with these materials will likely last longer and require fewer repairs. Another reason is that some materials are more fire-resistant than others. This is important because fires are one of the most common causes of damage to homes. Homes made with fire-resistant materials will be less likely to be damaged by a fire and therefore cost less to insure. For example, homeowners in Manatee County, Florida, who build their homes with masonry and Hail resistant roofs pay $1328 and $1370 for home insurance, respectively.

4. Homeowners insurance in Manatee County - Rates by the number of claims

The number of claims filed affects home insurance because it indicates how likely it is to experience damages. If a home has a lot of claims filed against it, the insurance company may view it as a high-risk investment and charge higher premiums. On the other hand, if a home has few claims filed against it, the insurance company may view it as a low-risk investment and charge lower premiums.

For instance, policyholders in Manatee County, Florida, can get their coverage for as little as $1217 if they have never filed a claim. The premium is higher for policyholders who have made one or two claims in Manatee County, Florida, paying approximately $1524 and $1594 for their homeowners insurance, respectively.

Top Home Insurance Companies in Manatee County, FL

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Nationwide A+ 8.2%
Erie A+ 7.02%
State Farm A 6.9%
Allstate A+ 4.9%
Liberty Mutual A 3.2%

Top Allstate Home Insurance Agents in Manatee County, FL

Homeowners Insurance Agents Agent Address Contact Details
Westland Insurance Services 2587 Bentley Dr
34684
Walker Ins Agency 14942 Tamiami Trail Ste D North\u00a0Port
34287
Kelly Goodman 11401 SEMINOLE BLVD
33778
727-393-9146
Southwest Ins Agts 800 2Nd Ave S St\u00a0Petersburg
33701
Pamela Johnson 3617 HENDERSON BLVD
33609
(813) 281-2600
Alan Carpenter 2325 S Florida Ave
33803-7228
863-688-8920
Tony Jordan 809 South Evers St
33563
Donald Sewell 18932 N Dale Mabry Hwy Ste 102
33548
(813) 968-2441
Brian Konishi 13144 Park Blvd Ste A
33776-3500
727-393-4617
Tracie Huseby 2240 Belleair Rd #200 Clearwater
33764

Top Nationwide Home Insurance Agents in Manatee County, FL

Homeowners Insurance Agents Agent Address Contact Details
Jack L. Hewitt 28051 US HWY 19N STE 104
33761
727-726-8690
Mutter Insurance Agency Inc 503 W MLK BLVD
33563
(813) 752-4155
Darin B Meck 7801 Starkey Rd
33777
813-837-0104
Ilma Inc. 505 WESTBROOK AVE
33511
813-685-8040
Imee C Jackson Agency 6810 E HILLSBOROUGH AVE
33610
813-621-3433
Larry W Dudding Lutcf 8492 S TAMIAMI TRAIL
34238
941-966-5666
Jack Hutchison Insurance Agency Inc 2488 CURLEW RD
33761
727-781-5533
Dennis Charles Oneill 21554 Angela Ln
34293
(941) 493-5808
Denise Sullivan Clement Agency 1807 Englewood Rd
34223
(941) 475-7778
Doyle Miles & Sokol 13015 Tamiami Trl
34287
(941) 423-1686

Top Erie Home Insurance Agents in Manatee County, FL

Homeowners Insurance Agents Agent Address Contact Details
Kelly Insurance Agency Inc 1000 S BELCHER RD SUITE 3
www.kellyins.com 33771
727-507-7525
Email:info@kellyins.com
Linwood Forest Insurance Group Llc 4404 N TAMIAMI TRAIL
www.linwoodforest.com 34234
941-360-6777
Wagner Insurance Group Llc 7250 Ulmerton Rd., Ste. G
33771
Fabey Insurance Agency 5783 Beneva Rd
34233
(941) 923-7515
Simpkins Foley Insurance Associates 8870 N Himes Ave 8870 N Himes Ave Tampa
www.simpkinsinsuranceagency.com 33614
Leland Smith Insurance Service Inc. 18424 LIVINGSTON AVE STE 3
33559
813-920-0000
Strachan Insurance Agency Inc. 421 A Commercial Court
34292
Everett Schmenk Ins Agcy Inc 26238 US Highway 19 N
33761
(727) 441-3054
Leitner Insurance Group Llc 21827 STATE RD 54
33549
813-871-2690
Leliaert Insurance Agency 19651 BRUCE B DOWNS BLVD SUITE A1-1
33647
813-973-4102

Top State Farm Home Insurance Agents in Manatee County, FL

Homeowners Insurance Agents Agent Address Contact Details
Tommy Reese 3900 Clark Rd Unit P5
34233
Todd Shepard 2098 Shepherd Rd
www.sheps.biz 33860
Steve Heller 9600 Koger Blvd N Ste 202 St\u00a0Petersburg
www.helleragency.com 33702
Toshua Barnes-Mccormick 11049 Countryway Blvd
www.teamtoshsf.com 33626
Parish Lowrie 439 S FLORIDA AVE STE 201
www.northgeorgiainsurance.org 33801
863-688-7691
Jim Howard 6400 Manatee Ave West Ste K
34209
Doug Kam-Young 10621 Tucker Jones Rd
33578
(813) 867-3790
Lauren Latorre-Osterling 101 W MAIN ST STE 123
www.laurenosterling.com 33815
863-248-2814
Michael D Nichols 109 E Olympia Ave Punta\u00a0Gorda
33950
Wally Knox 4915 W Cypress St, Ste 100
www.wallyknox.com 33607

Top Liberty Mutual Home Insurance Agents in Manatee County, FL

Homeowners Insurance Agents Agent Address Contact Details
Andy Hart 3650 Erindale Dr
33596-6311
813-662-5813
Timothy Martin 1070 Kapp Dr
33765
Jason Seymore 3631 S ACCESS RD
34224
888-254-5014
Eliesha Cavanaugh 21202 Olean Blvd Ste E3
33952
(941) 627-9222
Erika Tortorici 252 W Van Fleet Dr Ste B
33830
(863) 533-4800
Jason Tansey 270 S TAMIAMI TRAIL
34285
941-493-1583
Lauren Johnston Lutcf 1115 US HWY 98 SOUTH
33801
863-686-2113
Crystal Rios 2269 Tamiami Trail S
34293-5067
941-497-4422
Don Dvorak 11009 Gatewood Dr Ste 104
34211
(941) 927-8311
Chase Giossi 5051 Memorial Hwy
33634-7355
813-243-1300

Homeowners Insurance Comparison for the Cheapest Premiums in Manatee County, FL

NationwideAllstateLiberty Mutual
Median Home Value ($) 197,480207,480197,480
Construction year 201220121975
Home Coverage ($) $150000-$175000$150000-$175000$175000-$200000
Total Premium ($) $2102$2573$3118

Manatee County, FL Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Allstate upto 17%
Nationwide upto 8%
Erie upto 22%
Liberty Mutual upto 18%