Bradenton Insurance Rates:

Bradenton, FL homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Cost of Homeowners Insurance in Bradenton, FL

Bradenton, FL homeowners are paying an average of $1,203 in home insurance each year. Factors that affect the cost of a policy include home value,coverage type, deductible and age or the material used to build your house.There are different ways to reduce the homeowners insurance cost, and the easiest way is to choose a higher deductible. Below is the summary of average home insurance costs available to Bredenton homeowners based on the deductible and other variables.

Bradenton, FL Homeowners Insurance Cost for Different Deductibles 


Deductible is the amount of money that an homeowner pays out of pocket before the  policy begins paying out the claim. Choosing a higher deductible means lowering the potential benefit, which in turn makes the policy less valuable and therefore cheaper.Homeowners in Bradenton can get $1,095.67 worth of coverage for as little as $2500 with an attractive discount available by opting for higher deductibles.Homeowners receive insurance for $1,165.56 and $1,283.98 respectively, on deductibles $2000 and $1500.

Age of the home is an important variable to decide the home insurance cost.Older homes are more likely to have structural damages that increases the risk and thus increases the premiums. Bradenton homes older than 40 and 50 years old pay $1,566 and $1,584 respectively.On the other hand newly built homes are less prone to damage and home insurance companies offer substantial discounts to newly constructed homes. For instance newly constructed homes in Bradenton can avail lower insurance of $1,221.

The cost of home insurance is determined based on factors such as construction type. For example, a fire-resistant house will make your average annual premium significantly lower at $1,358 per year in Bradenton due to the risk of damage from fires or other combustion reactions. Homes built with Masonry and Brick can receive an average price for homeowners' insurance coverage in Bradenton starting at $1,450. Whereas homes built with superior and hail resistant roofs attract a higher amount $1,389 and $1,495 respectively.

Homes built with special features are likely to attract a higher amount of premium than the state average. For instance, homeowners in Bradenton pay $1,557 of premium for installing a swimming pool. In addition, if the swimming pool comes with a diving pool or slide, home owners can avail insurance of 1,602 and 1,618 respectively.Although most of these factors are not in your control, there are other factors such as credit score, you can control. Credit score is a rating calculated and used by insurance providers that represents the chances of an individual filing a claim while under coverage.Homeowners with high credit scores are likely to get lower rates from the Insurance companies.

Save on Bradenton, FL, Home Insurance Using These Discounts

Homeowners in Bradenton, Florida, pay an average home insurance rate ranging between $991 to $1,343. Bradenton homeowners can make use of discounts offered by home insurance companies to reduce their home insurance rates. Below is a list of discounts offered to Bradenton homeowners that they can take advantage of to save on home insurance.


Newly constructed Bradenton homes can avail of discounts of up to $305 on homeowners insurance. New homes have less propensity to damage. As a result, home insurance companies offer substantial discounts to newly built homes. On the other hand, older homes attract higher insurance rates. Bradenton homes older than 40 years and 50 years receive an additional charge of $40 and $73, respectively, on home insurance.

Home insurance companies consider the lifestyle of homeowners to determine insurance rates. If all the household residents are non-smokers, insurance companies offer special discounts on home insurance rates. Bradenton homeowners who own a swimming pool attract an additional insurance cost of up to $92. Installing a fence around the pool with self-latching and self-closing gates will help homeowners get discounts from home insurance companies. Additionally, senior citizens in Bradenton also receive discounts on home insurance.

Although most of the factors to avail discounts are not under the control of homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Bradenton homeowners opting for a high deductible of $2,500 can avail of a discount of $430 on homeowners insurance. Homeowners receive discounts of $360 and $242, respectively, on deductibles of $2,000 and $1,500. Bradenton homeowners save an average of $500 on a high deductible of $4,100 compared to a standard deductible of $1,100 for a lock-in period of 7 years.

Home insurance companies provide discounts to homeowners who have a claims-free history. On the other hand, homeowners with prior claims can attract an additional charge on their home insurance premiums. The cost of home insurance in Bradenton increases by up to 44% based on the nature and number of claims. Bradenton homeowners who have a history of two fire claims and two water claims attract an additional charge of $640 and $503, respectively.

Bradenton, FL Homeowners Insurance By Home Value

Bradenton, FL Home Value Total Homes % of Total Average Bradenton, FL 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

Top Home Insurance Agents Near Bradenton, FL

Home Insurance Company Near Bradenton, FL Homeowners Insurance Agency Near Bradenton, FL Address
NA Moore Capital Ventures Inc. Dba Moore Resources 4763 Central Ave Saint Petersburg, St. Petersburg, FL, 33713
Travelers Acg South Insurance Agency Llc 6210 MANATEE AVE W, BRADENTON, FL, 34209
State Farm Katherine Jones 575 S Hercules Ave Ste 604, Clearwater, FL, 33764-6345
Travelers Laake Financial Services Inc 1070 KAPP DR, CLEARWATER, FL, 33765
Liberty Mutual Independent Tampa Bay Insurance Llc 2402 Merchant Ave , Odessa, FL, 33556

Bradenton, FL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Bradenton, FL

Streets in Bradenton Area Homeowners Insurance Cost
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

Bradenton, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bradenton$174 to $177
West Bradenton$176
South Bradenton$167

Bradenton, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
West Bradenton CDP, Florida $147 $196 $294
South Bradenton CDP, Florida $139 $185 $278
Cortez CDP, Florida $146 $195 $292

Bradenton, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Bradenton, FL6.5%19.9%
West Bradenton6.64%19.54%
South Bradenton8.65%26.83%

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

Average Cost Of Home Insurance By Company In Areas Nearby Bradenton For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Southern Fidelity Insurance $2,250
150,000 27 NO Southern Oak Insurance $3,029
150,000 27 NO Tower Hill Prime Insurance $2,602
150,000 27 NO Universal Insurance $3,111
150,000 27 YES Castle Key Indemnity Company Insurance $1,562
150,000 27 YES Citizens Property Insurance $1,032
150,000 27 YES Federated National Insurance $1,197
150,000 27 YES First Community Insurance $1,536
150,000 27 YES Florida Peninsula Insurance $1,400
150,000 27 YES Stillwater Property And Casualty Insurance $1,341
150,000 27 YES Tower Hill Signature Insurance $1,691
300,000 12 NA Asi Preferred Insurance $2,092
300,000 12 NA Castle Key Indemnity Company Insurance $2,681
300,000 12 NA Southern Oak Insurance $3,010

Bradenton, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Bradenton Homeowner Insurance Premium Example $2,800$2,300
Out of Pocket Expense During Claim$1,100$4,100
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $20,700$20,200
Net Savings to Bradenton Home Owner from High Deductible Plan $500

Bradenton, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bradenton, FL Home Replacement Value MORE than Home Value Bradenton, FL Home Replacement Value LESS than Home Value
Replacement Value $203,000 $118,000
Insurance Premium based on Replacement Value $4,325 $2,525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $48,500 Risk Exposure from Under Insuring Coverage is $36,500
Premium Impact Insurance cheaper by $775/year Insurance costlier by $1,025/year

Example Bradenton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualTravelersChubb Group of Insurance
Monthly Premium 144215306
Year Built 201119751998
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $125000-$150000$125000-$150000$175000-$200000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$500 Deductible

Sample Home Insurance Rates for Bradenton, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1995 200,000 Asphalt Shingles Roof 2,220 4 $2500-$5000 Deductible 2120 9 Stucco siding No
2012 135,000 Metal Roof 1,590 2 $500- $1000 Deductible 1580 8 Fiber-Cement Siding No
2012 165,000 Membrane Roof 2,070 3 $500 Deductible 2450 8 Wood siding No
1988 150,000 Wood Shake Roof 1,770 3 $1000-$2500 Deductible 1320 5 Wood siding yes
1987 245,000 Shingles Roof 2,160 4 > $10,000 Deductible 260 1 Fiber-Cement Siding yes
1984 200,000 Composition Roof 2,000 4 $5000 to $10,000 Deductible 2050 12 Vinyl siding yes
1995 110,000 Membrane Roof 990 2 $2500-$5000 Deductible 440 3 Wood siding yes
1970 185,000 Shingles Roof 1,760 3 $1000-$2500 Deductible 1370 6 Wood siding yes
1982 350,000 Shingles Roof 3,250 4 $1000-$2500 Deductible 3410 9 Wood siding No
1986 115,000 Tile Roof 1,160 2 $2500-$5000 Deductible 1260 9 Vinyl siding yes
1984 305,000 Asphalt Shingles Roof 2,690 4 $500- $1000 Deductible 4220 8 Fiber-Cement Siding yes
1987 225,000 Metal Roof 2,360 3 $2500-$5000 Deductible 2900 12 Vinyl siding No
1999 185,000 Slate Shingles Roof 1,690 4 $500 Deductible 1680 8 Stucco siding No
2007 140,000 Slate Shingles Roof 1,370 2 $2500-$5000 Deductible 440 3 Vinyl siding yes
1988 160,000 Wood Shake Roof 1,470 2 $500- $1000 Deductible 2630 10 Stucco siding yes
1996 205,000 Metal Roof 2,500 4 $500 Deductible 2090 5 Stucco siding yes
2007 130,000 Slate Shingles Roof 1,520 3 $500- $1000 Deductible 1150 5 Stucco siding No
1997 115,000 Membrane Roof 1,300 3 $1000-$2500 Deductible 1400 9 Stone Siding No
1993 145,000 Wood Shake Roof 1,600 3 $500 Deductible 1520 6 Stucco siding yes
1990 190,000 Asphalt Shingles Roof 2,390 3 $500 Deductible 2740 8 Stucco siding No
2013 90,000 Composition Roof 940 2 $500- $1000 Deductible 920 6 Fiber-Cement Siding yes
1991 135,000 Tile Roof 1,340 3 $500- $1000 Deductible 170 1 Fiber-Cement Siding No
2000 110,000 Slate Shingles Roof 1,210 3 $2500-$5000 Deductible 100 1 Stucco siding yes
1986 255,000 Tile Roof 2,560 4 $1000-$2500 Deductible 450 1 Wood siding yes
1996 220,000 Tile Roof 2,250 3 $2500-$5000 Deductible 1970 7 Fiber-Cement Siding No
2010 125,000 Composition Roof 1,240 2 $500- $1000 Deductible 680 3 Stone Siding No
1986 290,000 Wood Shake Roof 3,300 4 $2500-$5000 Deductible 1100 3 Brick siding yes
1973 200,000 Membrane Roof 2,380 3 $500- $1000 Deductible 3450 10 Wood siding No
1990 285,000 Membrane Roof 3,150 4 $2500-$5000 Deductible 730 2 Stucco siding yes
2011 215,000 Slate Shingles Roof 2,230 3 $5000 to $10,000 Deductible 330 2 Stucco siding No
1974 300,000 Wood Shake Roof 1,517 2 $1000-$2500 Deductible 6180 10 Stucco siding No

Latest Home Insurance Reviews

I like the helpfulness and friendliness of agent and customer service representatives. I like the many products USAA offers and I also greatly appreciate the money-saving suggestion the customer service agents suggest. I like that I can reach someone 24/7.
I don't dislike anything about my company. I have had nothing but good experiences since signing with them.
Safeco Insurance
I'm sure they can do better, but it's the cheapest I could find. I don't get how one company is more expensive than the other for the same coverage.
Overall a good company with low rates. Provide bundling discounts when combined with other insurance. Customer service is good as well.
It was lower tan the other policies in our area and I was most comfortable with this one. Its been good
Farmer's Insurance
I wish the cost was cheaper but other than that I am really happy with the coverage. I have had no issues with the company so far.
People's Trust Insurance
Reps have lots of knowledge about their product and offer one on one understanding of it
State Farm
I dislike the high rates, the inability to speak with my agent. I have been trying for two months to get an answer from them and they will not return emails or texts or calls.
their price has been good so far and though I have not had to use it the price has not gone up in the last few years and, if you use car insurance with the same place it can make paying for the insurance less of a hassle.
State Farm
I would rate them a 5. They always try to work with us on all of the issues that we have. Whenever we file a claim, they handle it quickly and without any issues.
I don't feel customer service truly exists in the insurance industry. There is no connection or focus, rather a check the box mentality and equivalent level of service.
I would recommend Progressive because their customer service is easy to use and their price per services are above average from other companies.
I wish there were different level options of insurance than just the 2 they offered me. the options need to be extended.
yes they cover all parts of your home and have many plans that fit you situation
State Farm
I would recommend them to everyone. They are all knowledgeable and can answers questions. Nothings more mad then when people cannot answer the questions you need.
My premium was a lot cheaper than most other providers and companies. The deductible was the same as most, if not all, providers. It was a good deal overall.
Assurant Specialty Property
I think I have a great insurance company and plan at a going rate .And on a scale of 1 to 5 it is five.
Farmer's Insurance
experience with Farmer's Insurance customer service due to this is one of the best provides services and one more this this is very useful and helpful when i contact the customer services .
I will definitely recommend this insurance to my friends and family because I feel safe to have it.
They have have deductibles from low to high depending on what you want.Typically the premium is lower for a higher deducible which is standard for all insurance companies.
My Insurance Company has been on track regarding my policy, they always call me if there is any updates or changes in my policy. Customer service.they will usually call me no more than 2 hours after i called them.
Luckily, I haven’t had too many home issues that have caused me to need to contact my homeowners insurance company. Bit, overall, the customer service is good.
State Farm
This company is good. They have good rates and very good service. I would recommend.
Universal Insurance
Our insurance company accepted our home even though it has dated piping and electrical systems. we had problems finding an insurer before universal. we are very pleased with them so far and have had no issues.
Farmer's Insurance
Farmer's seems to be a bit outdated. it is an older company that has been around for decades. my husband and i would have preferred something a bit more up to date and modern. instead of feeling like we are doing business with our grandfather's insurance company.
State Farm
State farm agents are knowledgeable, helpful, and anxious to please in terms of giving customers the exact coverage they need.
My local Allstate representative is easy to get in touch with and responds quickly to requests and questions. If I leave him a message, he usually gets back to me within a day.
Easy to work with and very good when I call about communicating. I like their premium prices and the fact that they are consistently the lowest, even though I don't bundle my care insurance through them.
Everything I care about has been handled in an efficient manner. I don't micromanage my account, but the major details and price all fit with my desire, so I am fine with them.
Tower Hill Insurance
I've never used the website so I don't really know how to rank it. Luckily IÃḃ€™ve never had to put in a claim, and I purchased the insurance through an agent, not through the website.
Not really much to say about why I dislike the company. Luckily have not had issues with insurance policies or the company.
Security First Home Insurance
I like that they provide clear materials that anyone can understand and have great customer service. The price is also reasonable.
Farmer's Insurance
It's very difficult to get an actual person on the phone. Again, this may be because they are a relatively small company.
State Farm
The company itself is exceptional. Good customer service has everything I am looking for in a home insurance policy and is cost effective.
As should be clear by now, our experience with Allstate has been entirely satisfactory. We have had a Allstate policy for over 30 years, so you know that we are very happy customers.

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