Tampa Insurance Rates:

Tampa, FL homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

United Services Automobile Association Usaa
Usaa has a very quick and easy claims process. i can call about a claim and have someone here to survey damages within a week.
Allstate
Person to person (phone or service center) is usually very slow. can get tedious when stuck waiting for help.
Junie Insurance
The home insurance rates from junie insurance are extremely reasonable. i grouped my home and auto insurance together and pay a much lower amount than any of the other 9 insurance companies i checked with.

Tampa, FL Homeowners Insurance By Home Value

Tampa, FL Home Value Total Homes % of Total Average Tampa, FL 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

Top Home Insurance Agents Near Tampa, FL

Home Insurance Company Near Tampa, FL Homeowners Insurance Agency Near Tampa, FL Address
Travelers Brightway Insurance 2431 Tampa Rd , Palm Harbor, FL, 34683
State Farm Cathy Shadwick Casl, Chfc 3499 4th Street North, St Petersburg, FL, 33704
State Farm Craig Duncan 2454 N McMullen Booth Rd, Clearwater, FL, 33759
Travelers Lanier Upshaw Inc 1115 US HIGHWAY 98, LAKELAND, FL, 33801
Travelers Morrow Insurance Group 18936 N DALE MABRY HWY, LUTZ, FL, 33548

Cost Of Homeowners Insurance By Street Near Tampa, FL

Streets in Tampa Area Homeowners Insurance Cost
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

Tampa, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Tampa$175 to $177
University$170
Egypt Lake-Leto$172
Temple Terrace$176

Tampa, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
University CDP (Hillsborough County), Florida $170 $227 $341
Egypt Lake-Leto CDP, Florida $172 $229 $344
Temple Terrace city, Florida $176 $235 $353

Tampa, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Tampa, FL6.2%21.4%
University7.44%27.58%
Egypt Lake-Leto7.16%25.04%
Temple Terrace6.36%19.44%

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

Tampa, FL Homeowners 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

Average Cost Of Home Insurance By Company In Areas Nearby Tampa For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Southern Fidelity Insurance $1,950
150,000 27 NO Southern Oak Insurance $3,064
150,000 27 NO St. Johns Insurance $2,708
150,000 27 NO United Property & Casualty Insurance $2,556
150,000 27 YES Tower Hill Select Insurance $2,048
300,000 12 NA Florida Peninsula Insurance $2,913
300,000 12 NA State Farm Florida Insurance $4,234
300,000 12 NA Stillwater Property And Casualty Insurance $1,990

Tampa, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$3,500
Yearly Tampa Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$1,500$3,500
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,900$9,100
Net Savings to Tampa Home Owner from High Deductible Plan $800

Tampa, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Tampa, FL Home Replacement Value MORE than Home Value Tampa, FL Home Replacement Value LESS than Home Value
Replacement Value $318,500 $206,000
Insurance Premium based on Replacement Value $6,700 $4,325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $76,000 Risk Exposure from Under Insuring Coverage is $36,500
Premium Impact Insurance cheaper by $775/year Insurance costlier by $1,600/year

Example Tampa Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceLiberty MutualState Farm
Monthly Premium 260198175
Year Built 196720101996
Home Details 5 Beds, 3 Baths4 Beds, 2 Baths3 Beds, 1 Baths
Coverage Amount $175000-$200000$200000-$250000$100000-$125000
Deductible $1000-$2500 Deductible> $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Tampa, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2002 95,000 Slate Shingles Roof 940 2 $2500-$5000 Deductible 800 9 Fiber-Cement Siding yes
2012 130,000 Tile Roof 1,640 3 $500 Deductible 1660 10 Stucco siding No
2014 95,000 Slate Shingles Roof 1,110 2 $500 Deductible 140 1 Stone Siding yes
1967 195,000 Wood Shake Roof 2,150 3 $500- $1000 Deductible 510 2 Fiber-Cement Siding yes
1971 230,000 Asphalt Shingles Roof 1,950 4 $500 Deductible 2820 7 Vinyl siding No
2009 140,000 Tile Roof 1,640 4 $2500-$5000 Deductible 640 4 Fiber-Cement Siding No
2005 165,000 Wood Shake Roof 1,910 4 $5000 to $10,000 Deductible 1130 9 Fiber-Cement Siding No
2010 225,000 Tile Roof 2,830 4 $1000-$2500 Deductible 2120 6 Stucco siding No
1973 505,000 Membrane Roof 4,820 5 $2500-$5000 Deductible 2610 5 Brick siding yes
1991 70,000 Composition Roof 988 1 $500 Deductible 440 4 Wood siding No