Updated: December 16, 2024
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In Brandon, Florida, State Farm is the overall best choice and the cheapest option for home insurance. For excellent customer service, Chubb takes the lead.
Different companies cater to various needs. Choosing the best cheap home insurance depends on personal preferences, including your budget, desired coverage level and value placed on customer service.
Best HomeInsuranceBrandon, FLTable of Contents
Why Trust MoneyGeek? We used data and rates from the Florida Department of Insurance and Quadrant Information Services to select the top homeowners insurance options in Brandon.
Home insurance premiums in Brandon represent the latest available quotes as of September 2024.
MoneyGeek found that State Farm is the best option for home insurance with $100K dwelling coverage in Brandon, Florida. It has a MoneyGeek score of 93 out of 100.
The scores for home insurance companies in Brandon, Florida, range from 38 to 93. These figures reflect MoneyGeek's scoring system, where insurers may receive different scores based on factors like your credit history and the age of your home.
| State Farm | 93 | $819 |
| Nationwide | 92 | $879 |
| Florida Peninsula Insurance | 80 | $1,355 |
| Chubb | 78 | $2,439 |
| Allstate | 68 | $2,218 |
| ASI | 65 | $1,729 |
| Heritage Insurance | 62 | $1,820 |
| Universal Property | 38 | $3,713 |
MoneyGeek found that State Farm is the best option in Brandon, Florida, for $100K dwelling coverage. The two best overall home insurance companies in Brandon for $100K dwelling coverage are:
State Farm is the best home insurance provider because it offers affordability and customer satisfaction, which are key contributors to the MoneyGeek score.
Various companies offer different cost and service experiences in Brandon, Florida. While cost is important, factors like customer service and coverage options are also essential, as these are crucial when making claims.
State Farm is the best overall company, with high scores in affordability and satisfaction. It offers comprehensive home insurance coverage, including building ordinance or law and back-up of sewer or drain. Discounts like bundle and protective device help policyholders save. You can qualify for a discount by installing fire or burglar alarms.
State Farm provides valuable coverages for homeowners. The building ordinance or law coverage helps if you need to rebuild your home to meet new codes. Back-up of sewer or drain coverage protects against water damage from backed-up drains. Scheduled personal property coverage ensures your valuable items like cameras and musical instruments are covered.
MoneyGeek found that Chubb is the best option in Brandon, Florida, for homeowners seeking top-notch customer service in home insurance with $100K dwelling coverage. The top two providers for this coverage are:
Chubb earns its top spot due to its strong customer satisfaction and comprehensive coverage options for homeowners, which significantly boost its MoneyGeek score. You might choose Chubb because it prioritizes responding effectively to your insurance needs.
Excellent service in home insurance includes prompt responses and clear communication with customers.
Chubb is known for its great service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law coverages. You can also save with discounts like new home and home renovation. For the new home discount, your house should be 10 years old or less.
Chubb's coverages are useful for homeowners. Guaranteed replacement cost helps rebuild your home even if costs exceed your policy limit. Building ordinance or law covers bringing your home up to code. Cash settlement lets you choose not to rebuild and get cash instead.
MoneyGeek found that State Farm is the best cheap home insurance option in Brandon, Florida, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
When considering the average cost of homeowners insurance in Florida, State Farm stands out due to its high affordability score and coverage. Cheap home insurance often means lower coverage limits, which is great for saving money. However, it may not be enough after an accident. In instances when saving on premiums is a priority, considering the cheapest homeowner insurance companies may be helpful.
The best cheap home insurance does not always mean the cheapest, as it considers a balance of price and service quality. As the top provider of the best cheap home insurance, State Farm effectively balances value with service.
State Farm is the best cheap company, with high scores in affordability and satisfaction. It offers comprehensive home insurance with scheduled personal property and building ordinance or law coverages. You can save with discounts like bundle and protective device. Installing fire or burglar alarms can qualify you for savings.
State Farm's building ordinance or law coverage helps if you need to follow new building codes. Back-up of sewer or drain coverage is helpful for water damage.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 24, 2024
In Brandon, several factors, including location, affect homeowners insurance. It's wise to compare insurance rates to save money. However, this process can take up to 15 minutes per company and requires over an hour of research. MoneyGeek's home insurance calculator streamlines this by focusing on key factors. Enter details like age, dwelling coverage and credit score for a quick estimate.
MoneyGeek found that State Farm is the best option for affordable home insurance in Brandon, Florida. The key aspect affecting your home insurance premiums is the dwelling coverage you select.
State Farm stands out due to its lower annual premium and high score among providers for $100K, $250K and $500K dwelling coverages. Buying a cheap home insurance policy in Florida can be a beneficial way to manage your finances by checking the cheapest homeowners insurance in Florida.
| State Farm | $819 |
| Nationwide | $879 |
| Florida Peninsula Insurance | $1,355 |
| ASI | $1,729 |
| Heritage Insurance | $1,820 |
| Allstate | $2,218 |
| Chubb | $2,439 |
| Universal Property | $3,713 |
MoneyGeek found that State Farm is the best option for high-value homes in Brandon, Florida. High dwelling coverage is necessary for homes costing more to replace, as home insurance costs rise with increasing coverage needs.
State Farm is the cheapest in Brandon because of its competitive pricing. According to MoneyGeek, State Farm provides the lowest annual premium while still having a high rating compared to other options.
| State Farm | $3,514 |
| Nationwide | $5,196 |
| Allstate | $6,597 |
| ASI | $10,298 |
| Florida Peninsula Insurance | $11,039 |
| Heritage Insurance | $14,518 |
| Chubb | $18,735 |
| Universal Property | $19,358 |
State Farm is the cheapest option for new homes, offering home insurance in Brandon, Florida.
State Farm is the most affordable homeowners insurance in Brandon, Florida, based on cost. However, it's important to weigh other factors, as the cheapest does not always equate to the best, according to MoneyGeek's evaluations.
You also need to ensure you are adequately covered.
| State Farm | $342 |
| Nationwide | $429 |
| ASI | $635 |
| Allstate | $905 |
| Florida Peninsula Insurance | $974 |
| Heritage Insurance | $1,037 |
| Chubb | $1,656 |
| Universal Property | $1,986 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums.
In Brandon, the best cheap homeowners insurance depends on your needs. Consider factors like coverage options, customer service and claims process. Follow these steps to get the best cheap home insurance:
To determine how much home insurance coverage you need, consider rebuilding costs, personal property value and liability in Brandon, Florida.
Look into insurance companies available in Brandon, Florida. Choose those with good financial standing, positive customer feedback and reliable service.
After identifying necessary coverages, compare home insurance quotes. In Brandon, Florida, premiums for $100K dwelling coverage range from $819 to $3,713 annually.
Inquire about potential discounts from providers, such as those for bundling, having safety features or maintaining a claim-free status.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's affordable if you need to file a claim.
Enhancing home security systems and installing sturdy locks can lower your home's risk and potentially reduce insurance costs.
Keeping a strong credit score can impact your insurance rates in Brandon, Florida. Pay bills promptly and manage debt wisely.
Consider combining your homeowners insurance with other policies, like auto insurance, to receive discounts and save money.
The best cheap home insurance provider for you in Brandon depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Brandon, Florida.
The average cost of home insurance in Brandon, Florida, is $1,424.
State Farm offers the cheapest home insurance in Brandon, Florida, with an annual premium of $819.
The best home insurance in Florida for Brandon residents is provided by State Farm, with a MoneyGeek score of 93 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
