How much is homeowners insurance in Brisbane, CA

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

As per Insure.com’s rate data analysis, 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), It’s $1,537 less than the national average of $2,582.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Brisbane depend on several factors, including:

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

Allstate is the cheapest homeowners insurance company in Brisbane with an average annual premium of $702 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Brisbane. Keep reading to learn about the monthly cost of homeowners insurance in Brisbane, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Brisbane.

How much is homeowners insurance in Brisbane per month

According to our rate analysis, homeowners in Brisbane pay an average of $87 per month. It’s $29 less than the state average of $116 and $128 less than the national average for home insurance across the United States.

In Brisbane, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

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

The average cost of homeowners insurance in Brisbane, CA is $791 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, 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 most affordable homeowners insurance company in Brisbane. It’s average annual rate for homeowners in Brisbane is $702, while CSAA Insurance (AAA) ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Brisbane and compiled a list of the most affordable home insurance companies.

Below are details of Brisbane home insurance companies and their average annual premiums.

Common natural disasters in California that may affect home insurance

Natural disasters are unpredictable events that can cause significant damage to homes and property. Understanding these risks is important to ensure that your home insurance policy provides adequate protection in the event of a disaster.

Drought, Earthquake, Heat wave, Landslide and Wildfire are some of the common natural disasters in California that may influence your home insurance rates.

How home insurance protects you against natural disasters

Home insurance plays an important role in safeguarding your property and belongings from the financial burden caused by natural disasters. While standard policies usually cover damages from events like windstorms, hail and lightning, certain disasters, such as floods, earthquakes and wildfires, require additional coverage.

These types of damage are generally not included in a standard home insurance policy, so homeowners must purchase separate flood or earthquake insurance to be fully protected.

Home insurance can cover repair costs for structural damage, replace lost or damaged belongings and provide funds for temporary living arrangements if your home is rendered uninhabitable. This coverage offers financial support, helping homeowners recover more quickly from the impacts of natural disasters.

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.

Shivani Gite

Contributing Writer

 

|

 . .

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

Related Articles

The 10 costliest wildfires By Zack Sigel

How to prepare for a hurricane By Kara McGinley

Best renters insurance companies in 2025 By Chris Kissell

Cheapest homeowners insurance in 2025 By Chris Kissell

Best flood insurance companies in 2025 By Jake Safane

How much does renters insurance cost in 2025? By Jackie Lam