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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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

PlaceSavings For Senior Occupied Homes
Tampa$175 to $177
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%
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
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
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 Insurance
They 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 Property
The sign up for the insurance was an easy process, as i was able to complete everything within a couple hours online.
State Farm
I 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.
Caters to the military. great customer services. easy claim process
I cannot honestly compare carriers because I have only had my home insured through USAA.
Even just raising the deductible to $1000 can save you 25 percent on your premium.
State Farm
If there is ever an issue State Farm will get your home fixed right away. They are on your side when there is a problem.
I feel that they are reasonable, they are actually much cheaper than other companies I have contacted.
AllState has excellent customer service. They are always available and easy to reach. They are knowledgeable, eager to assist, and reliable.
I 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.
I 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 Insurance
I 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.
I 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.
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.
Person to person (phone or service center) is usually very slow. can get tedious when stuck waiting for help.
I 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.
The 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.
I really do not have anything negative or dislikes. Of course, a cheaper rate would be good. Nothing bad to say.
Assurant Specialty Property
I have not had any problems with my home. Therefore, I have not interacted with my insurance company outside of setting up the policy.
State Farm
I do not interact with my insurance company unless I have something wrong, so I do not really have anything negative.
USAA 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 Insurance
I 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 Mutual
They 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.
The 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 Company
When 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 Insurance
I 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 Insurance
I 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 Insurance
I 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 Insurance
Sometimes your policies do not cover 100%
Florida Farm Bureau Insurance
overall I like this company it gives more benefits for me and it gives more information about policy
USAA 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.

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