How much is homeowners insurance in Brisbane,CA

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The average cost of homeowners insurance in Brisbane is $1,045 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,537 less the national average of $2,582.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Brisbane depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Brisbane, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Brisbane.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Brisbane.

Key takeaways

In Brisbane, homeowners insurance costs $1,045 annually.
Allstate offers the most affordable homeowners insurance in Brisbane with an average annual premium of $702.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $254 higher.

How much is homeowners insurance in Brisbane per month

Residents of Brisbane pay an average of $87 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $29 less the state average of $116 and $128 less the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Brisbane may change based on location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Brisbane

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $791 per year in Brisbane, CA. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Brisbane

As per rate analysis by Insure.com, homeowners residing in Brisbane typically pay an average of $1,045 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $254 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Brisbane by company

Among the carriers analyzed, Allstate is the cheapest homeowners insurance company in Brisbane. It’s average annual rate for Brisbane homeowners is $702. CSAA Insurance (AAA) ranks second and Travelers makes it to the third spot with an average annual home insurance rate of $890.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Brisbane and prepared a list of the cheapest home insurance providers. You can find below the Brisbane home insurance companies and their average annual premium.

Home insurance company	Annual rate
Allstate	$702
CSAA Insurance (AAA)	$878
Travelers	$890
Mercury Insurance	$1,061
State Farm	$1,066
Nationwide	$1,152
Farmers	$1,192
Auto Club Enterprises (AAA)	$1,357
USAA*	$924

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Brisbane for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.