Homeowners Insurance – Florida – Brandon2022-02-01T10:14:23-05:00

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Brandon Home Insurance Quotes

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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.

What Our Customers Say:

Michelle is always extremely helpful. As a new renter, she explained everything to me and made the process as easy as possible. She is also super quick to respond. I have never had any issues. Highly highly recommend!
Zoe Wallace
13:43 05 Aug 22
Outstanding customer service from Joe Boyle. He was able find me a home owner’s insurance couple of months before my non-renewal/expiration date. Since we were not in the 30 day window for binding, he set up a calendar invite to do the paperwork within that window. Just completed everything. He maintained excellent communication throughout this process which is hard to come by these days. I am more than happy to recommend Joe and his company, Fearnow Insurance to anyone who is shopping for insurance.Great job.Thank you
Celine Kizhakkemattom
21:52 20 Jul 22
I am very pleased with this insurance co. and their quick action for our situation. Joe Boyle not only got us homeowners insurance in a very timely manner, (our other insurance co. was being liquidated in 2 weeks), he also got us new auto insurance for a lot less, and our new homeowners is less. Thank you Joe, and Fearnow....Great company!
Marylyn Embrey
14:38 09 Jul 22
Joseph Boyle was very quick on responding to my needs and helping me get covered. He was thorough and communicated with me every step of the way! Thank you for making this process easy for me !!!
Samari Rivera
22:25 01 Jul 22
Joe Boyle is outstanding in customer service. I’m a returning customer, this time for Home Insurance. Joe had gone the EXTRA mile to insure me the coverage will be completely handled with just a little information from myself. He has truly made this experience less stressful when I was left with a policy that was being liquidated in a short amount of time.Trust Joe at Fear Now to answer and guide you through any insurance questions/ policy.Thank you Joe!
Tammy Kirk
17:04 30 Jun 22
Joe Boyle handled our needs promptly, accurately and professionally.Given our circumstances, he did a through review and came back with quotes that proved to be more than compelling to switch carriers. I believe the agency is tops and sorry I didn't find out about them earlier.
Chris Holden
18:12 29 Jun 22
Joe is the best! We needed a home insurance quote quick for the purchase of a home. He was willing to have tough conversations about good quality coverage for the age of the home, and worked fast to get all the right documentation for our closing. Also, Joe found us great discounts on our auto insurance getting us better coverage, with an A++ provider at a lower cost. Thank you Joe!
Jessica Rhodes
23:16 24 Jun 22
Joe Boyle is THE BEST! I’ve been shopping around for auto insurance since moving to the area and haven’t been having the best luck. After reading reviews, I reached out to Joe Boyle at Fearnow and was amazed at his professionalism, knowledge, and efficiency. Joe took the time to explain everything about my policy in detail and did his best to find the most affordable rate for my policy. I would trust Joe handling anything related to insurance going forward and am so happy I took the chance to get in touch with him. There is nobody better in the industry than Joe!
Matthew Weddleton
22:24 15 Jun 22
I needed to get into a cheaper Homeowners Insurance and Joe Boyle was very helpful. He was quick professional, friendly, efficient, and knowledgeable. This made the entire process effortless. He assisted in cancelling my old Homeowners at the appropriate date and starting coverage with the new company, which is an A rated company too.
Paula Williams
23:33 07 Jun 22
Joe B was awesome, he communicated along every step and answered all of my questions.Will definitely use him again. Thanks Joe!👍
jim zwierzynski
20:08 01 Jun 22

The Fearnow Agency Advantage

  • 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

Brandon FL Homeowners Insurance, quality home protection that saves you money. 30 Years of Savings from Fearnow Insurance

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