Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Brandon

Our Recommended Top 16

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Brandon Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

76Reviewed

52Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
10849 Boyette Rd, Riverview, FL 33569
  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Why choose this provider?

L & M Insurance Group is a full-service insurance firm that has been delivering individual insurance solutions in Brandon and nearby areas for more than 30 years. The company provides an extensive array of homeowners insurance options from different carriers. Its standard homeowners insurance plan covers the protection of homes and personal belongings of policyholders against unfortunate events. Its licensed agents also provide customized policies for renters, builders, and investors. Other services include auto, life, and commercial insurance. The company also serves clients in Riverview, Gibsonton, Tampa, and Apollo Beach.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (112)
Facebook
4.8 / 5 (23)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1335 Oakfield Drive, Brandon, FL 33511
  • Renter's Insurance
  • Flood
  • Multiple Carriers

Why choose this provider?

Charles D. Talley Jr. Insurance Inc. caters to the insurance needs of homeowners and business property owners in Brandon and the neighboring areas. The standard homeowners' insurance policy includes different types of coverages such as dwelling coverage, personal property protection, personal liability coverage, other structures coverage, and loss of use or additional living expenses coverage. Local agents guide clients and tailor the insurance policy depending on the clients' needs. The company has been in the industry for over 35 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (11)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1335 West Brandon Boulevard, Brandon, FL 33511
  • Multiple Carriers
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Fire
  • Earthquake
  • Condos

Why choose this provider?

Insurance Direct is an insurance agency that has been providing its services to clients in Brandon. Its services include homeowners' insurance, which protects the home from theft, fire, lawsuits, weather damage, and other disasters or losses. They also provide policies for renters' insurance, condo insurance, mobile home insurance, and commercial property insurance. The agency also provides insurance policies for other concerns, like car insurance which covers accidents, tickets, and DUI. It also offers a commercial insurance policy.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (85)
Facebook
5.0 / 5 (2)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
400 North Parsons Avenue, Brandon, FL 33510
  • Fire
  • Multiple Policy Types

Why choose this provider?

A. Killbride Insurance is an insurance agency based in Brandon that has been providing a range of personal and commercial insurance products throughout the state since 1954. It partners with top insurance companies in the country. This agency offers homeowners insurance for financial protection against disasters such as floods, earthquakes, fires, and theft/vandalism. A standard policy protects the structure of the home, the liability of the policy owner, and personal property and belongings.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (31)
Facebook
5.0 / 5 (8)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
911 South Parsons Avenue, Brandon, FL 33511
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Fire

Why choose this provider?

Excellence First Insurance is a Brandon-based independent insurance agency offering commercial and personal insurance lines. Established in 2017, this company carries homeowners' insurance plans with different coverage types, including medical protection, loss of use, personal property, and personal liability coverage. Its agents review insurance policies and ensure that policyholders understand applicable exclusions. Homeowners also receive compensation for detached home structures within home locations, such as sheds, mailboxes, and fences, that are lost or damaged due to coverable incidents.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (132)
Facebook
5.0 / 5 (21)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10039 East Adamo Drive, Tampa, FL 33619
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Condos

Why choose this provider?

Family-owned Roca Insurance comprises independent insurance brokers who dedicate themselves to tailoring insurance policies to suit their clients' needs near Brandon. The agency has more than 22 years of experience offering home insurance, whether homeowners', renters', or condo insurance policies. The agency offers policies to cover various losses and incidents such as fire, older home, burglary, new construction, and property liability. Aside from home insurance, Roca Insurance also helps customers with auto and business insurance. it caters to customers who speak Spanish.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (40)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1315 Providence Road, Brandon, FL 33511
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Moore-Terihay Insurance Agency discusses insurance policy options with residents and business property owners in Brandon and the surrounding communities. The company provides homeowners' insurance policies for clients who are getting their first home insurance and those with existing insurance. The determining factors for the policy options include the property's interior and exterior features, the area where the house is located, the additional items the client wants to be insured, and the optional coverages the client is interested in getting.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1219 Millennium Pkwy Suite 32, Brandon, FL 33511
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Condos

Why choose this provider?

Southshore Insurance Professionals is a Brandon-based homeowners' insurance agency with more than two decades of experience. Its founder, Michelle Mosher, aims to educate homeowners and individuals about the various insurance policies on the market and how they can select one that suits their lifestyle. Mosher and her team coordinate with a network of reputable insurance providers to provide clients with comprehensive policies. They can also accommodate individuals who would like to protect special items like silverware, jewelry, and collections.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (153)
Facebook
5.0 / 5 (85)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3220 Bell Shoals Road, Brandon, FL 33511
  • Renter's Insurance
  • Condos

Why choose this provider?

Runnels Insurance is an independent insurance firm that has been providing homeowners' insurance products to the people of Brandon and surrounding areas. As an independent agency, the firm works closely with several insurance providers to give homeowners tailored solutions to protect their homes and personal belongings. Related services include dwelling, condo, and renters' insurance. Some of its carriers are MetLife, Modern USA, American Integrity, and Bankers Insurance Group. The company has been in service for more than 20 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (182)
Facebook
4.6 / 5 (20)
Yelp
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
232 Oakfield Dr, Brandon, FL 33511
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Why choose this provider?

Gena Swanson is a GreatFlorida Insurance agent operating in Brandon. She consults with homeowners and inspects their properties to find any damage risks or concerns. Her plans cover repairs for fires and hail, loss of belongings, and temporary relocation. This also covers structural damage to things outside the house like fences, barns, and sheds. Gena also offers to add sewage and flooding for better protection. Previous customers praise her for being attentive to their concerns.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (55)
Yelp
3.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
607 West Lumsden Road, Brandon, FL 33511
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Maria Maranda - State Farm Insurance Agent is a locally-owned insurance agency based in Brandon. The firm also gives services to clients and communities all over the Tampa Bay area. Since 1990, its team has been addressing insurance matters that fall under homeowners' and property coverage. Agents also offer other insurance products that cover auto, business, health, pet, and life. The business has 12 professionals on-board and has a team that can assist Spanish-speaking clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (110)
Facebook
5.0 / 5 (20)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
210 South Kings Avenue, Brandon, FL 33511
  • Condos
  • Multiple Policy Types

Why choose this provider?

All Insurance Group is a full-service, independent agency offering insurance products and services to the locals of Brandon. It provides extensive homeowners' insurance coverage inclusive of overlooked items, like various types of disasters, outside of the standard coverage. Other property insurances include renters, condo, mobile home, and tenant and vacant dwelling coverage. The agency's team of insurance experts has over 50 years of experience in the industry and specializes in writing comprehensive policies tailored to the clients' requirements.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (24)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
611 East Bloomingdale Avenue, Brandon, FL 33511
  • Renter's Insurance
  • Flood
  • Condos

Why choose this provider?

Established in 2010, Briggs Family Insurance is an independent insurance firm serving clients in Brandon. The agency specializes in homeowners' insurance, constructing policies that provide optimal coverage for the clients' needs and requirements. It also offers other property insurances, such as flood insurance, vacant home or land insurance, condo insurance, commercial property insurance, and landlord insurance. The agency carries a broad range of personal and commercial insurance products, from personal umbrellas and automobile coverage to business owners' packages and surety bonds.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (46)
Facebook
5.0 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
158 West Robertson Street, Brandon, FL 33511
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Brandon Insurance is an independent insurance agency that has been providing services to Brandon locals since 1960. It offers comprehensive homeowners' insurance policies, providing dwelling, additional structures, personal property, and liability coverage. Clients also have options for policy coverage taking into consideration cash value, replacement costs, and extended replacement costs for their properties. Other insurance products include condo, renters, motorcycle and auto, recreational, and life insurance. Brandon Insurance is a family-owned and operated business.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (58)
Facebook
5.0 / 5 (37)
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
655 West Lumsden Road, Brandon, FL 33511
  • Renter's Insurance
  • Fire

Why choose this provider?

Magruder Agency, Inc., is an independent insurance agency in Brandon established in 1989. Its insurance agents offer homeowners' insurance policy that brings property protection to the main dwelling of clients. Homeowners' insurance covers structural collapse, accidental electrical damage to appliances, theft, fire and lighting, and falling objects. Magruder Agency, Inc., has won the awards Brandon Chamber of Commerce Small Business of the Year and Brandon Chamber of Commerce Excellence in Marketing Award.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (34)
Facebook
5.0 / 5 (11)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1206 North Parsons Avenue, Brandon, FL 33510
  • Renter's Insurance
  • Flood

Why choose this provider?

Odiorne Insurance Agency is an independent insurance agency servicing clients in Brandon for their business or personal insurance needs. Its homeowners' insurance policy includes property coverage, personal property, liability, medical expenses, and living expenses. Clients can also choose if they want to add personal umbrella, auto, flood, or jewelry coverage in their policy. Its agents can help them determine other risks that might be present and evaluate additional coverages that might be needed in the insurance plan. Odiorne Insurance Agency works with different carriers including Homeowners Choice, Firemans Fund, and Florida Peninsula.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (131)
Facebook
4.7 / 5 (14)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What are the instances when a homeowner's insurance covers a slab leak in Brandon?

    Slab leak coverage is typically conditional under Brandon homeowners' insurance policies. Instances where coverage may apply include unexpected and unintentional incidents that cause damage to the foundation or property as a result of a slab leak. However, coverage for leaks caused by normal wear and tear, gradual deterioration, or a lack of maintenance is unlikely. To determine the extent of coverage for slab leaks, review your policy details and speak with your insurance provider.

  • What does an extended replacement cost in a homeowners' insurance policy in Brandon indicates?

    Extended replacement costs in a Brandon homeowners' insurance policy mean that if a claim is made, the insurance company will cover the total cost of rebuilding the property without accounting for depreciation up to the policy limit. Notably, this feature extends the policy limit by 20% to 25%. This offers homeowners enhanced coverage, providing financial protection against unforeseen cost increases during the rebuilding process.

  • What plumbing incidents are covered by a homeowners' insurance policy in Brandon?

    Homeowners' insurance in Brandon covers specific plumbing incidents. This typically includes sudden pipe bursts for well-maintained pipes, damage from frozen pipes with proper precautions, structural deterioration caused by burst pipes, and damage to personal property such as clothing and electronics due to a burst pipe, all of which are covered under the policy's Property Coverage section.

  • What is a four-point inspection in applying in an application process for homeowners' insurance in Brandon?

    In Brandon, getting homeowners' insurance for older properties necessitates a four-point inspection. This check evaluates four major systems: the roof, electrical, plumbing, and HVAC. Typically, a licensed professional or a building contractor inspects these critical components to determine their condition and safety. Its goal is to assist insurers in assessing the risk of covering older homes and ensuring the dependability of these critical systems.

  • Do solar panels positively impact homeowners' insurance applications in Brandon?

    Solar panels have varying effects on homeowners' insurance applications in Brandon. Many insurance companies are wary of potential roof damage and increased claim costs, and they may deny applications from homeowners who have solar panels. If they do approve, the panels are usually covered as part of the home, with coverage limits adjusted. However, damage to the panels caused by wind or hail could be excluded.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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