Tampa, FL Home Insurance - Analysis On Quotes, Rates & Agents
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.
Cost of homeowners insurance in Tampa, FL
The average cost of home insurance in Tampa, FL is $1578, which is less than the state average. Tampa, FL homeowners can use home insurance companies rates to find the best and tcheapest rates based on several factors. Below is a list of the deals provided to Tampa homeowners that they can take advantage of to save on home insurance.
Home insurance companies provide insurance to Tampa homeowners based on the construction type of the house. Tampa homes built with more strong materials make them more resistant to damages and save a fair amount from home insurance companies. For example, Tampa homes constructed using fire-resistive materials and superior materials save $221 and $158, respectively, on their home insurance cost. In addition, houses built using masonry and brick earn $79, while homes with a hail-resistant roof save $47.
Home insurance companies also provide insurance rates based on the age of the home. For example, homeowners in Tampa pay a much lower cost if their home is newly constructed since new houses have less chance of damage. On the other hand, older homes attract higher insurance rates. For instance, Tampa homes older than 40 and 50 years cost an average of $1619 and $1638, respectively.
Home insurance companies provide bundle discounts and senior citizen discounts. Senior homeowners in Enid can avail of discounts of up to $221 on homeowners insurance. In addition, in the best interest of protecting their investments, home insurance companies offer discounts to homes installed with safety devices. For instance, Tampa homes with deadbolts and fire extinguishers can save a considerable amount in home insurance cost.
Although most of the factors to avail discounts are not under the purview of homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. For example, homeowners with a deductible of $500 pay an average amount of $1559 on their home insurance premium, while homeowners who pay a deductible of $2500 pay an average of 1133 on their home insurance.
Save On Tampa, FL, Home Insurance Using These Discounts
Tampa, FL, homeowners pay an average homeowner’s insurance of $1,578. This is comparatively higher than the state average premium of $1,291 and the national average premium of $1,438. However, Tampa homeowners can use the various discounts provided by home insurance companies to reduce their home insurance rates.
Home insurance companies calculate home insurance rates based on the age of the home. Home insurance rates increase as the age of the home increases due to their propensity for damage. Newly built Tampa homes receive discounts of up to $363 on home insurance rates. Homes that are older than 50 years attract an additional cost of $76 on their insurance rates. In Tampa, the average home insurance rates of homes older than 30 years and 40 years are $1,602 and $1,619, respectively.
Tampa homes, built using sturdy materials that make them more resistant against damage, earn considerable discounts from home insurance companies. For example, Tampa homes constructed using fire-resistive materials and superior materials get discounts of $221 and $158, respectively, on their home insurance rates. Masonry and brick homes earn a discount of $79, while homes that have a hail resistant roof get a $47 discount.
Home insurance companies provide special discounts to Tampa homeowners based on their profession. Teachers, federal government employees, active and retired army personnel can avail of special discounts on homeowners insurance. Senior homeowners in Tampa can avail of discounts of up to $221 on homeowners insurance.
Tampa has a high property crime rate of 18.11 per 1,000 residents. It is safer than 25% of the remaining cities in the U.S. Specifically, Tampa has a burglary rate of 2.72 per 1,000 residents, with 1,069 reported incidents. The chance of becoming a victim of property crime in Tampa is 1 in 55. Homes with enhanced security features are less prone to burglaries and damage. Hence, home insurance companies encourage homeowners to install home safety devices by offering discounts as incentives. For instance, Tampa homes with deadbolts and fire extinguishers can avail of discounts of $158 and $174, respectively, on home insurance rates. Additionally, homes with burglar alarms and smoke detectors receive a discount of $142 and $158, respectively, on homeowners insurance.
Home insurance companies provide discounts to homeowners who have a claims-free history. On the other hand, home insurance rates in Tampa can increase by up to $189 based on the type and number of claims. Tampa homeowners with a claims-free history can avail of discounts of up to $189 on home insurance.
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 |
Tampa, FL Home Insurance Agents for Top Companies
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
| Place | Savings 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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Tampa, FL | 6.2% | 21.4% |
| University | 7.44% | 27.58% |
| Egypt Lake-Leto | 7.16% | 25.04% |
| Temple Terrace | 6.36% | 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 Deductible | High 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 Insurance | Liberty Mutual | State Farm |
| Monthly Premium | 260 | 198 | 175 |
| Year Built | 1967 | 2010 | 1996 |
| Home Details | 5 Beds, 3 Baths | 4 Beds, 2 Baths | 3 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 |
|---|---|---|---|---|---|---|---|---|---|
| 1987 | 155,000 | Wood Shake Roof | 1,330 | 2 | $500 Deductible | 640 | 2 | Stucco siding | yes |
| 1992 | 195,000 | Metal Roof | 1,810 | 5 | $5000 to $10,000 Deductible | 1390 | 7 | Brick siding | yes |
| 2006 | 145,000 | Membrane Roof | 1,790 | 2 | $500 Deductible | 1590 | 6 | Stucco siding | No |
| 1986 | 145,000 | Asphalt Shingles Roof | 1,270 | 3 | $500 Deductible | 1130 | 7 | Brick siding | yes |
| 1964 | 160,000 | Wood Shake Roof | 1,620 | 3 | $5000 to $10,000 Deductible | 520 | 4 | Wood siding | yes |
| 2014 | 120,000 | Composition Roof | 1,220 | 3 | $500 Deductible | 210 | 1 | Stucco siding | No |
| 1999 | 210,000 | Metal Roof | 1,820 | 4 | $5000 to $10,000 Deductible | 240 | 1 | Vinyl siding | yes |
| 1988 | 215,000 | Asphalt Shingles Roof | 2,070 | 3 | > $10,000 Deductible | 1010 | 6 | Fiber-Cement Siding | No |
| 1988 | 240,000 | Composition Roof | 2,440 | 4 | $2500-$5000 Deductible | 460 | 2 | Wood siding | yes |
| 1980 | 425,000 | Asphalt Shingles Roof | 4,240 | 5 | $5000 to $10,000 Deductible | 2890 | 5 | Brick siding | yes |
| 2010 | 290,000 | Membrane Roof | 2,490 | 5 | $2500-$5000 Deductible | 320 | 1 | Stucco siding | yes |
| 1986 | 360,000 | Asphalt Shingles Roof | 3,200 | 4 | $500- $1000 Deductible | 3520 | 5 | Stucco siding | No |
| 1993 | 215,000 | Shingles Roof | 2,150 | 3 | > $10,000 Deductible | 2380 | 9 | Brick siding | yes |
| 1963 | 115,000 | Tile Roof | 1,310 | 2 | $500- $1000 Deductible | 1300 | 9 | Wood siding | No |
| 1972 | 140,000 | Membrane Roof | 1,230 | 3 | $500 Deductible | 1070 | 6 | Stone Siding | No |
| 2002 | 145,000 | Membrane Roof | 1,780 | 4 | $500- $1000 Deductible | 3550 | 12 | Brick siding | No |
| 2008 | 150,000 | Slate Shingles Roof | 1,370 | 2 | $1000-$2500 Deductible | 520 | 2 | Vinyl siding | yes |
| 2007 | 235,000 | Tile Roof | 1,970 | 5 | $5000 to $10,000 Deductible | 980 | 4 | Stucco siding | No |
| 2004 | 250,000 | Tile Roof | 2,230 | 5 | $500 Deductible | 2950 | 9 | Stone Siding | No |
| 2010 | 210,000 | Metal Roof | 1,830 | 3 | $5000 to $10,000 Deductible | 910 | 5 | Stucco siding | yes |
| 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 |
Latest Home Insurance Reviews
Amica Mutual InsuranceThey have been great. The policy and premium were better than most others and the great customer service has re-inforced our decision to go with Amica.
Assurant Specialty PropertyThe sign up for the insurance was an easy process, as i was able to complete everything within a couple hours online.
State FarmI am satisfied with my premium and deductible (the premiums were even just lowered, although that was due to my driving history). In Texas it's tough to find cheap rates.
UsaaCaters to the military. great customer services. easy claim process
UsaaI cannot honestly compare carriers because I have only had my home insured through USAA.
GeicoEven just raising the deductible to $1000 can save you 25 percent on your premium.
State FarmIf there is ever an issue State Farm will get your home fixed right away. They are on your side when there is a problem.
AllstateI feel that they are reasonable, they are actually much cheaper than other companies I have contacted.
AllstateAllState has excellent customer service. They are always available and easy to reach. They are knowledgeable, eager to assist, and reliable.
TravelersI havent had much interaction with the company I have submitted no claims so the interactions relate to billing and the company has been pretty good at being responsive.
TravelersI have used Travelers over 30 years. Their customer service is excellent. Their price is reasonable and it's worry and hands free. Automatic payment so never a late payment.
Farmer's InsuranceI would recommend Farmers to anyone who is looking for great coverage while at the same time maintaining lower payments. If any issue arises, they handle it in a swift and timely manner to take any stress off the homeowner.
ProgressiveI just recently got my new policy with Progressive, but so far I am very happy with the savings for the same coverage I had before with another company. That is why I would recommend Progressive.
UsaaUsaa has a very quick and easy claims process. i can call about a claim and have someone here to survey damages within a week.
AllstatePerson to person (phone or service center) is usually very slow. can get tedious when stuck waiting for help.
AllstateI really enjoy having a local rep that I can call during business hours who also knows me personally. It's nice that I can call general customer service at any time for questions as well.
UsaaThe website is organized and easy to follow and find things. The downside is that it has a lot of information that I don't need or use which sometimes makes it harder to find what I need quickly.
ProgressiveI really do not have anything negative or dislikes. Of course, a cheaper rate would be good. Nothing bad to say.
Assurant Specialty PropertyI have not had any problems with my home. Therefore, I have not interacted with my insurance company outside of setting up the policy.
State FarmI do not interact with my insurance company unless I have something wrong, so I do not really have anything negative.
UsaaUSAA offered us a lower premium than quotes we got from Geico and state farm. That was our primary reason for selecting them for coverage.
American Integrity InsuranceI like that the company is very clear in what my policy covers. I also like that compared to other quotes I have gotten, they have the lowest rate. I have not had any issue with this company.
Liberty MutualThey are a reliable company and have been around for many years, so I like that. They generally have decent customer service and they offer a good amount of coverage.
UsaaThe company works for the military and the rates have been great. They give us many other services and we would not change to another even if they were a little cheaper. Loyalty to the company as we have had them for over thirty-four years. Not just going to change for a couple of dollars.
Gulfstream Property And Casualty Insurance CompanyWhen there are no negatives, what else is there to say? They have been very good to my family when we needed them the most.
People's Trust InsuranceI would highly recommend this company. I cannot stress enough how helpful they are in a time of need. They sent their rapid response team out after both of our claims and took extremely good care of us. I have no intention of switching polices. This is what customer care should look like.
Safeco InsuranceI really like the limited interaction I have had with them so far. We have not had a claim in the 4 years we have been with them but when we do talk, they do answer all the questions we have.
Frontline InsuranceI chose Frontline because a friend also has a frontline and they had an issue with a neighbor filing a lawsuit about their dog. The insurance company completely handled the lawsuit.
Mapfre InsuranceSometimes your policies do not cover 100%
Florida Farm Bureau Insuranceoverall I like this company it gives more benefits for me and it gives more information about policy
UsaaUSAA has a clunky web interface that can sometimes be hard to navigate. I prefer to do most things online but I typically just call a USAA representative when I have an issue.