Brandon
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Founded in 1857, Brandon, FL is an unincorporated community in Hillsborough County with an estimated population of 116,829, according to City-Data. It’s 100 percent urban, which means it’s a great place for individuals, couples and families who are looking to buy a home and enjoy the weather and recreational activities in the area, but don’t forget to purchase homeowners insurance for your new or new to you home.
Homeowners Insurance Requirements in Brandon, Florida
While it’s in your best interest to purchase homeowners insurance in Brandon, Florida, the state does not require it by law. Instead, you’ll have to decide if it’s right for you. One way to do this is to think about the cost and value of your home. In Brandon, Florida, the estimated average value of the homes is $217,300. The average price to buy a home in the area is $222,244. Homeowners insurance helps you pay for repairs and even the replacement of your home if it were to become damaged by a covered event. Unless you have these funds available to you, it’s always a good idea to purchase homeowners insurance.
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- We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
- Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
- We can save you up to 37% in insurance cost, or get better coverage for the same cost.
- We always provide full disclosure of plan inclusions and exclusions.
- We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
- Our agents are continuously training, so they stay the leading experts in their field.
Types of Homeowners Insurance Policies to Consider
When purchasing homeowners insurance in Brandon, Florida, it’s best to consider one that covers a multitude of scenarios. Common coverages typically included are:
- Home Replacement – If your home is completely destroyed by a covered event, this helps provide the funds to build or buy a new one.
- Home Repairs – If your home is damaged during a covered event, like the asphalt shingles are blown off the roof during high winds, this coverage helps pay for the repairs.
- Replacement of Personal Belongings – If your belongings are damaged or stolen during a covered event, this helps provide the funds to replace them.
- Outbuilding Repair and Replacement – This coverage helps repair or replace certain outbuildings on your property, like garages and sheds that are not attached to your home.
- Personal Liability – If someone is injured on your property that does not live there, this coverage helps financially protect you.
- Medical Expenses Coverage – If a visitor gets injured on your property, this coverage helps pay for any immediate medical expenses.
- Funds for Living Expenses – If your home is not livable after the covered event, this provides financial assistance for things like hotels, temporary apartments and food until your home is repaired.
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Understanding Whether or Not You Need Flood Insurance Along with Homeowners Insurance
Florida is experiencing an increase in strong storm and hurricane activity. As a result, many of the floodmaps are being redrawn in order to accurately reflect the current risk. Hillsborough County has a tool that you can use to determine your flood risk called Find My Flood Risk. This tool allows you to input your home’s address in order to see your flood zone. This is important because homeowners insurance does not typically help pay for damage caused by flooding.
Flood Zone Designations
- Low Risk – Zone X – .02 risk of flooding per year
- High Risk – Zone A – 1 percent chance of flooding each year
- High Risk – Zone AE – Home is located in a 100-year floodplain
- Coastal High Risk – Zone V – Very likely to flood at least once over the course of a 30-year mortgage
- Coastal High Risk – Zone VE – Extremely likely to flood at least once during the of a 30-year mortgage
Median Cost of Homeowners Insurance in Brandon, Florida
Many homeowners are concerned about the rising costs of homeowners insurance in Florida, and it is true that monthly premiums are on the rise. However, there are still ways of getting affordable homeowners insurance so that you are protected if your home is damaged during a covered event. The first step is understanding the average price of homeowners insurance in the area.
Getting an Affordable Homeowners Insurance Policy in Brandon, Florida with Help From Fearnow
When you need affordable homeowners insurance for your home in Brandon, FL, you can count on our insurance agents at Fearnow to help you through the process by answering all your questions and providing you with an accurate quote. We have the ability to check more than 100 different insurance carriers in order to find you the best policy for your needs. We can even tell you how to reduce the cost of your policy. For example, choosing a higher deductible can lower your monthly premiums, and if you have multiple insurance policies with our agency, you may be eligible for a multi-line discount.
To learn more about getting homeowners insurance in Brandon, Florida and to get a quote, give us a call at 813-689-8878.
Brandon FL Homeowners Insurance Quote & Information | Fearnow
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