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414 26th St W
Bradenton, FL, 34205
United State


Manatee Insurance Services, Inc. have been working locally with Floridians to save money and time insuring all major properties including Autos, Homes, Motorcycles, and Boats for over 35 plus years! Come save money and time finding the right insurance all under one roof. Lets get saving Florida! Contact us for a second look on what you will save.


3 Reasons Your Home Insurance Costs More

Matthew Smith

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When it comes to homeowners insurance, many people do not fully understand the factors that affect premium. Home insurance comes at a cost. But, not having home insurance will cost home renters, landlords and buyers more.

Home insurance is a worthwhile investment for protecting a residential property against a wide range of damages, which include fire, theft, hail, and more. Each home insurance policy has its own features, benefits and coverage.  A basic policy covers damages and losses to a home and its structure as well as the occupants’ personal belongings. Coupled with this, there’s also coverage for valuable items, which includes jewelry, artwork and so on.

If you’re buying home insurance, be sure to check the type of coverage you will be receiving from your provider. Next step, make sure you’re getting adequate coverage at an affordable premium.

The premium will determine how much money you will pay for home insurance every month. Home insurance companies consider a new number of factors for calculating insurance premium. Understanding these factors will help determine how much you will be charged by your home insurance company.

The following are the main factors that will cause your premium to go up:

Home characteristics

First off, the value of a home affects insurance premium. In order to determine the value of your home, insurance companies will take into account its age, features, condition and construction materials.

An older or shabby property, for example, is more likely to encounter repair issues than a brand new, well-maintained home. As it’s likely to develop problems more frequently than newer homes, property owners are likely to file claims more often. Due to greater risk, an insurance company may charge a higher premium on such a property.

Similarly, a home’s features can increase insurance premium. For example, adding security equipment, such as an alarm system will cause a reduction in premium. On the other hand, having a swimming pool at your place can lead to increased premium.

The building materials of a residence affect home insurance premium as well. For instance, wood shingles are prone to catch fire and are riskier than other materials.

Some repairs and renovations can help keep your insurance costs down.

Credit score

Your credit score reflects your financial worthiness. Having a low credit score can increase your risk level in front of insurance companies. In most cases, people homeowners with poor or low credit scores end up paying higher insurance premiums.

In order to avoid this, keep an eye on your credit score. Once a year, request a copy of your report from TransUnion, Equifax, and Experian – the main credit bureaus. Check the report for inaccurate or false information. Errors can adversely affect an individual’s credit score. Improve your credit score by paying your bills on time and avoid taking on additional debt.


Some insurance companies charge individuals living with pets a higher premium. The reason behind increased premium is that they consider pets like dogs unsafe.

In such a situation, your best bet is to shop around to find a pet-friendly insurance company.

Finding the right home insurance is easier said than done. It requires a lot of time and effort.

Fortunately, the brokers at Manatee Insurance Services, Inc. are available to assist individuals find the best possible home insurance policy at a reasonable rate.

As a certified, licensed insurance brokerage firm, we have strong relationships with the largest home insurance firms in the United States.