Bradenton Insurance Rates:

Bradenton, FL home insurance is nearly $991 to $1,343, about $82-$111/month. Our thorough research indicates shoppers can save as much as $466 by comparing many quotes

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Read Bradenton, Florida Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Bradenton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $1970/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Baths 2250 sqft Primary Residence Constructed In 1996 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $680/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1240 sqft Rental Property Constructed In 2010 with Wood Flooring, Composition Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Swimming Pool, Indoor Sprinklers, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Married Female who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $1100/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 3300 sqft Seasonal Residence Constructed In 1986 with Carpet Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $3450/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Bath 2380 sqft Vacation Property Constructed In 1973 with Stone Flooring, Membrane Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $730/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Bath 3150 sqft Seasonal Residence Constructed In 1990 with Wood Flooring, Membrane Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Copper Water Pipes, Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $330/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Bath 2230 sqft Vacation Property Constructed In 2011 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Single Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $6180/10 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $300,000

2 Beds, 2 Baths 1517 sqft Primary Residence Constructed In 1974 with Hardwood Flooring, Wood Shake Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

Bradenton, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
34201 $447,800 $1,370
34210 $168,100 $1,190

Bradenton Rates & Quotes Analysis:

Bradenton Area Estimated House Insurance
Harbor Cir, Broad River Run, Pussywillow Ln, 41st St NE, Clemson St, Heron Dr, Fairway Ln, Rutgers Ave, Pelican Dr, 50th Ct W$1,098
73rd Pl E, Magellan Dr, 38th St W, Seminole Dr, 2nd Avenue Cir W, Trinity Cir, 57th Ter W, Caladesia Dr, Chauncey Ave E, Burma Ct$1,133
Magnolia Way, Lantern Ct, Palm Aire Ln, Lois Ave, 61st Dr E, Ave Q, S Michael Dr, 28th Street Ct E, 6th Ln, Prospect Rd$1,224
66th Street Ct E, Sycamore Ave, 87th St NW, Suponic Ave, Bay Side Dr, Oak Ave, 41st Avenue Dr E, 52nd Avenue Dr E, Archer Way, 28th Ct E$1,344
12th Ave NW, Tarpon St, 119th St W, 63rd Ter E, Palmetto Cir, 41st Street Cir E, E Ave W, Robbie Way, Shepherd St, 16th Cir NW$1,165
51st Blvd E, Crane Dr, Driftwood Ln, 72nd Ct E, 16th Ave NW, 20th Ave NW, 50th Street Ct W, Garden Ln, Gardenia Ln, 92nd St NW$1,258
Nassau Rd, 36th St NE, Gulf Dr S, Cypress Rd, 36th St, Marina Isle Ln, Paradiso Dr, Hague Dr, 17th Street Cir E, Bristol Bay Dr$1,157
19th Ln E, 17th Dr NW, 58th St, W Peninsular Ter, Cedar St, Harvard Ave, Ave A, 71st St W, St James Xing, 65th St NE$1,293
38th St W, 72nd Street Cir W, 56th Avenue Plz W, Cypress Lake Cir, Whitfield Industrial Ave, Lancaster Ct, Marbury Ln, 34th St E, Riverview Ln, Grand Point Ave$1,298
Whitebridge Glen, 9th Ave NW, 8th Ter NW, Spanish Dr, 61st Avenue Ter W, 25th St N, G Ave E, 83rd St, 76th Ave E, Prospect Rd$1,283

Insurance rates are influenced by a number of factors including:

  • Year Built: 18,067 Homes (14% of total) built between 1990 to 1999 in Bradenton are paying home insurance between $1,682-$1,700 and varies from West Bradenton (+$16), Bradenton Beach (+$113), Longboat Key (+$393), South Bradenton (-$75) and Bayshore Gardens (-$59).
  • Bedrooms: 17,532 1 bedroom homes (13% of total homes ) in Bradenton are paying about $653. Areas near to Bradenton such as Bradenton Beach, Longboat Key, Whitfield are costlier by $44, $138, $5 respectively whereas West Bradenton and South Bradenton are more economical by $5, $18 respectively for similar homes.
  • Auto Insurance Bundling: 7,458 Households (11% of all households) in Bradenton have 3 or more vehicles available and when it is bundled with home insurance you can save $291 and varies from West Bradenton ($294), South Bradenton ($278), Cortez ($292).
  • Senior Discounts: 44,820 seniors (more than 55 years) occupied housing units (69% of total) in Bradenton get discounts between $174 to $177. The comparative concessions in proximate regions such as West Bradenton, South Bradenton and Cortez are $176, $167 and $175 respectively.
  • New Homes discounts: New homes such as the 45,469 homes built between 2000 to 2009 in Bradenton can save $233 and similar new home insurance discounts in nearby towns and cities like West Bradenton, South Bradenton and Cortez are $235, $222 and $233 respectively.

Bradenton Homeowners insurance Facts

  • Bradenton, FL has 64,606 owner occupied houses which is 67.8% of all units whereas West Bradenton, South Bradenton and Cortez have 87.67%, 54.44% and 79.77% respectively.
  • Bradenton, FL homeowners yearly insurance price at $1,166 is 0.73% of the typical house value of $159,000 which is in contrast with 0.66% in West Bradenton, 1.59% at South Bradenton & 0.72% in Cortez.
  • Homeowners in Bradenton, FL pay 1.55% of their income ($75,000 or more) in insurance whereas homeowners in West Bradenton, South Bradenton and Cortez pay 1.57%, 1.49% and 1.56% respectively.
  • Bradenton, FL’s insurance is 6.5% of monthly housing costs of $1,496/month, for owners with a mortgage compared to 6.64% in West Bradenton, 8.65% at South Bradenton & 5.32% in Cortez. But, for households without a mortgage, insurance is 19.9% of costs ($488 in Bradenton, FL) in contrast with 19.54% in West Bradenton, 26.83% at South Bradenton & 18.14% in Cortez.

Bradenton, FL Home Values & Insurance rates

For example, insurance for 2,106 Homes (3.0% of total homes ) valued between $60,000 to $69,999 in Bradenton, FL is about $466. Rates in nearby areas in such as West Bradenton, Cortez, Bradenton Beach are cheaper by $43, $11, $193 respectively while South Bradenton and Bayshore Gardens are costlier by $558 and $355 respectively for similar homes.

Bradenton, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 8,767 15.0% $174
$50,000 to $59,999 1,863 3.0% $384
$60,000 to $69,999 2,106 3.0% $466
$70,000 to $79,999 2,197 3.0% $548
$80,000 to $89,999 2,322 4.0% $617
$90,000 to $99,999 2,180 3.0% $687
$100,000 to $124,999 5,757 9.0% $804
$125,000 to $149,999 4,822 8.0% $1002
$150,000 to $174,999 6,358 10.0% $1189
$175,000 to $199,999 4,315 7.0% $1364
$200,000 to $249,999 7,281 12.0% $1644
$250,000 to $299,999 4,832 8.0% $2017
$300,000 to $399,999 5,060 8.0% $2565

Renters Insurance in Bradenton

  • Average Renters Insurance in Bradenton :  $154($12/month)

  • Median Gross Rent in Bradenton :  $910

  • Bradenton Renters Insurance to Median Rent Ratio:  1.32%

  • Renter occupied housing units in Bradenton :  30,644

Bradenton Renters Insurance as a Percentage of Rent

Bradenton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 301 1.0% $338
$300 to $499 1,363 4.0% $1238
$500 to $749 5,976 20.0% $1913
$750 to $999 10,224 34.0% $2663
$1,000 to $1,499 7,840 26.0% $3788
$1,500 or more 3,393 11.0% $5438

Rent Affordability in Bradenton:

Approximately 52.0% (16,100) of households are spending more than 35% of their income on gross rent in Bradenton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,975 6.0%
15.0 to 19.9 percent 2,882 9.0%
20.0 to 24.9 percent 3,372 11.0%
25.0 to 29.9 percent 3,354 10.0%
30.0 to 34.9 percent 2,961 9.0%
35.0 percent or more 16,100 52.0%

Bradenton Renters Insurance Discounts:

Bradenton Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Bradenton, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 17,218 56.0% $15.4
2 vehicles available 8,338 27.0% $23.1
3 or more vehicles available 1,743 5.0% $30.8

Protective device discount in Bradenton Up to :  $23

Claims-free discount in Bradenton Up to :  $30