Check out the most popular Home Insurance agencies & companies in Manatee County, FL & compare the best quotes from them.
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.
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.
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.
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.
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% |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Westland Insurance Services | 2587 Bentley Dr 34684 |
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Walker Ins Agency | 14942 Tamiami Trail Ste D North\u00a0Port 34287 |
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Kelly Goodman | 11401 SEMINOLE BLVD 33778 |
727-393-9146 | |
Southwest Ins Agts | 800 2Nd Ave S St\u00a0Petersburg 33701 |
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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 |
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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 |
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 |
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 |
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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 |
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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 |
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Leland Smith Insurance Service Inc. | 18424 LIVINGSTON AVE STE 3 33559 |
813-920-0000 | |
Strachan Insurance Agency Inc. | 421 A Commercial Court 34292 |
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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 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Tommy Reese | 3900 Clark Rd Unit P5 34233 |
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Todd Shepard | 2098 Shepherd Rd www.sheps.biz 33860 |
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Steve Heller | 9600 Koger Blvd N Ste 202 St\u00a0Petersburg www.helleragency.com 33702 |
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Toshua Barnes-Mccormick | 11049 Countryway Blvd www.teamtoshsf.com 33626 |
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Parish Lowrie | 439 S FLORIDA AVE STE 201 www.northgeorgiainsurance.org 33801 |
863-688-7691 | |
Jim Howard | 6400 Manatee Ave West Ste K 34209 |
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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 |
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Wally Knox | 4915 W Cypress St, Ste 100 www.wallyknox.com 33607 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Andy Hart | 3650 Erindale Dr 33596-6311 |
813-662-5813 | |
Timothy Martin | 1070 Kapp Dr 33765 |
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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 |
Nationwide | Allstate | Liberty Mutual | |
Median Home Value ($) | 197,480 | 207,480 | 197,480 |
Construction year | 2012 | 2012 | 1975 |
Home Coverage ($) | $150000-$175000 | $150000-$175000 | $175000-$200000 |
Total Premium ($) | $2102 | $2573 | $3118 |
Home Insurance Company | Multi Policy Discount (%) |
---|---|
Allstate | upto 17% |
Nationwide | upto 8% |
Erie | upto 22% |
Liberty Mutual | upto 18% |