Tampa Insurance Rates:

Tampa, FL home insurance is about $995 to $1,347, about $82-$112/month. Our complete analysis reveals consumers can save as much as $468 by getting different quotes

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Tampa Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $640/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Baths 1640 sqft Rental Property Constructed In 2009 with Linoleum, Tile Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, Copper Water Pipes, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1130/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

4 Beds, 4 Baths 1910 sqft Primary Residence Constructed In 2005 with Carpet Flooring, Wood Shake Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

Home Insurance Rate of $2120/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Baths 2830 sqft Seasonal Residence Constructed In 2010 with Hardwood Flooring, Tile Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $2610/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $505,000

5 Beds, 5 Baths 4820 sqft Primary Residence Constructed In 1973 with Wood Flooring, Membrane Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $440/4 months for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $70,000

1 Bed, 1 Bath 988 sqft Primary Residence Constructed In 1991 with Wood Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Married Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $600/6 months for $50,000 Coverage
single family 4 bedroom home. from 1960's in middle income area
Single,620 credit, no debt fully paid, 3 people living in house,smoke and drink

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Tampa Rates & Quotes Analysis:

Tampa Area Estimated House Insurance
4th Ave NE, Brentwood Dr, Old Morris Bridge Rd, Oren Ave, Marjo St, Country Way, N Burlingame Ave, Four Fields Farm Rd, Mallard Ct, 33rd Ave$1,166
Pine Cone Ct, Meadowbridge Dr, Grove Ter, Lexington Blvd, Bay Head Dr, Outpost Point Dr, Palm Cove Ave, Carroll Gardens Ln, Ryan Dr, Linda St$1,104
Snowy Owl Way, Lauder Pl, Grand Palm Dr, Rough Rd, N Riverdale, Ellison Rd, Raintree Valley Blvd, Grapevine Ct, E Shady Lane St, Oban Ave$1,148
W 131st Ave, Chichuahua Ct, Woodvine Pl, Eugene St, S Emerson St, Moonlight Ct, S Suffolk Dr, Jean Laffite W, W Lambright Ave, Magnolia Chase Cir$1,183
E Chapman Rd, Thomas Pl, Carrollwood Dr, E Eva St, Bayou Dr, la Riveria Ct, Ravine Rd, N Rocky Point Dr, Phlox St, Pine Chase Ct$1,091
Gordon Ct, Enchanted Oaks Ct, W Bayview Ave, Palamore Dr, Parkstone Palms Ct, Brassart Rd, N Obrien St, Wilson Cir, Woodhurst Dr, N Woodbridge Cir$1,169
San Sebastian Ct, Bessie Rd, Duffy Ln, Guy N Verger Blvd, Fairway Dr, E Mc Berry St, Ladrone Ave, Talina Ln, Patrick Ct, Garden Village Ct$1,184
Fox Forest Dr, E Gladys St, Kell Estates Ln, Martinique Isle Dr, Ambermist Dr, Main St, Sunridge Palms Dr, Pina Colada Ct, W Everett Ave, Michelin Ct$1,185
Amberly Dr N, Hollow Cove, Mary Ct, Cypress Head Ct, Coral Reef Dr, Schefflera Rd, Jo Ann Ct, N 63rd St, Sarver Manor Ln, Gradstone Pl$1,200
Patton Ct, Mayfair Park Ct, Knights Run Ave, Kathy Way, 6th Blvd, N 61st St, Ben Avon Dr, Alanbrooke St, W 109th Ave, Bay Club Ct$1,169

Insurance rates are influenced by a number of factors including:

  • Year Built: 57,172 Homes (19% of total homes ) built between 1980 to 1989 in Tampa are paying home insurance between $1,747-$1,765. Places close to Tampa, FL such as Lake Magdalene, Carrollwood, Northdale are more expensive by $14, $29, $21 respectively while University and Egypt Lake-Leto are cheaper by $54 and $34 respectively for similar homes.
  • Bedrooms: 48,360 1 bedroom homes (17% of total homes ) in Tampa are paying about $645 and differs from Temple Terrace (+$14), Lake Magdalene (+$16), Carrollwood (+$10), University (-$9) and East Lake-Orient Park (-$21).
  • Auto Insurance Bundling: 58,158 Households (44% of all households) in Tampa have 2 vehicles available and when it is bundled with home insurance you can save $234. Discounts for similar bundling in close by locations such as University, Egypt Lake-Leto, Temple Terrace come to $227, $229, $235 respectively.
  • Senior Discounts: 60,109 seniors (more than 55 years) occupied housing units (46% of total) in Tampa get discounts between $175 to $177. The comparative concessions in proximate regions such as University, Egypt Lake-Leto and Temple Terrace are $170, $172 and $176 respectively.
  • New Homes discounts: New homes such as the 116,151 homes built between 2000 to 2009 in Tampa can save $234 and similar new home insurance discounts in nearby towns and cities like University, Egypt Lake-Leto and Temple Terrace are $227, $229 and $235 respectively.

Tampa Homeowners insurance Facts

  • Tampa, FL has 129,920 owner occupied houses which is 52.2% of all units whereas University, Egypt Lake-Leto and Temple Terrace have 14.33%, 44.58% and 55.5% respectively.
  • Tampa, FL homeowners yearly insurance price at $1,171 is 0.7% of the typical house value of $167,300 which is in contrast with 1.07% in University, 0.9% at Egypt Lake-Leto & 0.68% in Temple Terrace.
  • Homeowners in Tampa, FL pay 3.6% of their income ($30,000 to $34,999) in insurance whereas homeowners in University, Egypt Lake-Leto and Temple Terrace pay 3.49%, 3.53% and 3.62% respectively.
  • Tampa, FL’s insurance is 6.2% of monthly housing costs of $1,588/month, for owners with a mortgage compared to 7.44% in University, 7.16% at Egypt Lake-Leto & 6.36% in Temple Terrace. But, for households without a mortgage, insurance is 21.4% of costs ($456 in Tampa, FL) in contrast with 27.58% in University, 25.04% at Egypt Lake-Leto & 19.44% in Temple Terrace.

Tampa, FL Home Values & Insurance rates

For example, insurance for 15,380 Homes (13.0% of total homes ) valued between $200,000 to $249,999 in Tampa, FL is about $1,569. Rates in nearby areas in such as Temple Terrace, Lake Magdalene, Carrollwood are cheaper by $52, $118, $225 respectively while University and Egypt Lake-Leto are costlier by $837 and $451 respectively for similar homes.

Tampa, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 9,938 8.0% $163
$50,000 to $59,999 3,373 2.0% $363
$60,000 to $69,999 3,476 3.0% $444
$70,000 to $79,999 4,633 4.0% $515
$80,000 to $89,999 5,822 5.0% $585
$90,000 to $99,999 4,729 4.0% $655
$100,000 to $124,999 12,833 11.0% $761
$125,000 to $149,999 10,100 8.0% $960
$150,000 to $174,999 14,520 12.0% $1135
$175,000 to $199,999 9,026 7.0% $1311
$200,000 to $249,999 15,380 13.0% $1569
$250,000 to $299,999 9,828 8.0% $1920
$300,000 to $399,999 10,273 9.0% $2447

Renters Insurance in Tampa

  • Average Renters Insurance in Tampa :  $148($12/month)

  • Median Gross Rent in Tampa :  $908

  • Tampa Renters Insurance to Median Rent Ratio:  1.32%

  • Average household size of renter-occupied unit :  2.35

Tampa Renters Insurance as a Percentage of Rent

Tampa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,465 1.0% $337
$200 to $299 2,812 2.0% $787
$300 to $499 5,683 4.0% $1237
$500 to $749 23,978 20.0% $1912
$750 to $999 37,181 32.0% $2662
$1,000 to $1,499 33,102 28.0% $3787
$1,500 or more 11,255 9.0% $5437

Protective device discount in Tampa Up to :  $22

Claims-free discount in Tampa Up to :  $29

Tampa, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
33619 $97,800 $1,140
33605 $96,900 $1,140
33606 $405,300 $1,350
33629 $374,800 $1,320
33626 $292,900 $1,260
33609 $258,400 $1,260
33647 $256,300 $1,240
33602 $244,100 $1,220
33611 $201,000 $1,200
33625 $184,600 $1,200
33635 $156,300 $1,180
33615 $154,200 $1,170
33616 $153,400 $1,160
33603 $150,500 $1,170
33613 $150,400 $1,180
33617 $147,200 $1,180
33634 $142,500 $1,170
33637 $136,600 $1,160
33607 $131,400 $1,160
33612 $129,100 $1,150
33614 $128,700 $1,160
33604 $123,500 $1,160
33610 $108,100 $1,150