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Best Homeowners Insurance in Tampa, FL

Sept. 25, 2019, 10:54 p.m.

Florida has the highest home insurance premiums in the country, according to the Insurance Information Institute. Homeowners insurance is required by mortgage companies, and is a critical way to protect your asset and belongings. Our partners at ConsumerAffairs looked at the best home insurance companies in Tampa to find the leaders based on ease of getting quotes, responsive customer service and knowledge of the local market.

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#1
EverQuote

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EverQuote
EverQuote
Features
  • Quotes from local agents and top insurers
  • Compare the lowest rates
  • Fast and free for homeowners
  • Available in Tampa
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#2
Progressive
Progressive
Features
  • Available in Tampa
  • Free online quotes
  • Multi-policy discounts
  • Contractor network
Read More
Location
4030 Crescent Park Dr.
Riverview, FL 33578
(855) 347-3939
#3
Geico
Geico
Features
  • Fire safety discounts
  • Free online quotes
  • Security system discounts
  • Liability coverage
Read More
Location
2703 W. Kennedy Blvd.
Tampa, FL 33609
(813) 607-4898
#4
Statefarm
Statefarm
Features
  • Multi-policy discounts
  • Free online quotes
  • Farm & ranch coverage
  • Small business coverage
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Location
3224 W. Kennedy Blvd.
Tampa, FL 33609
(813) 879-7808
Adcock-Adcock Insurance
Adcock-Adcock Insurance
Features
  • Independent agency
  • Insure manufactured homes
  • Online quote
  • Other insurance available
Location
315 W. Fletcher Ave.
Tampa, FL 33612
(813) 933-6691
Cornerstone Insurance
Cornerstone Insurance
Features
  • Independent agency
  • Get an online quote
  • Works with many carriers
  • Other insurance available
Location
13035 W. Linebaugh Ave., Ste. 102
Tampa, FL 33626
(813) 920-8181
Webb Insurance Group
Webb Insurance Group
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • webbinsgroup.com
Location
3212 S. Dale Mabry Hwy.
Tampa, FL 33629
(813) 607-4898
Avatar
Avatar
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • www.avatarins.com
Location
1101 E Cumberland Ave.
Tampa, FL 33602
(877) 233-3238
American Landmark insurance
American Landmark insurance
Features
  • M-F: 8:30am - 4:30pm
  • Closed Sat and Sun
  • americanlandmarkinsurance.com
Location
4229 W. Kennedy Blvd.
Tampa, FL 33609
(813) 289-2277
Great Florida Insurance Agent: Ceci Wise
Great Florida Insurance Agent: Ceci Wise
Features
  • M-F: 9am - 5pm
  • Sat: 10am - 5pm
  • Closed Sun
  • tampa2.greatflorida.com
Location
1719 W. Fletcher Ave.
Tampa, FL 33612
(813) 849-0125
Italiano Insurance Services
Italiano Insurance Services
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • italianoinsura.wpengine.com
Location
3021 Swann Ave. P.O. Box 18425
Tampa, FL 33679
(813) 877-7799
Allstate Insurance Agent: Michael Lia
Allstate Insurance Agent: Michael Lia
Features
  • M-F: 9am - 5:30pm
  • Closed Sat and Sun
  • agents.allstate.commichael-lia-tampa-fl.html
Location
11001 N. Dale Mabry Hwy.
Tampa, FL 33618
(813) 960-0255
Professional Insurance Services
Professional Insurance Services
Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • proinsuranceflorida.com
Location
3836 W. Humphrey St.
Tampa, FL 33614
(813) 963-6701
Omega Insurance
Omega Insurance
Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • omega-ins.com
Location
5300 W. Cypress St., Ste. 271
Tampa, FL 33607
(813) 341-1530
Atlantic Insurance
Atlantic Insurance
Features
  • M-F: 8:30am - 5pm
  • Sat: 9am - 12pm
  • Closed Sun
  • atlanticinsurancetampa.com
Location
3001 W. Waters Ave., Ste. A
Tampa, FL 33614
(813) 931-0050
OIG Insurance
OIG Insurance
Features
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • oiginsurance.com
Location
510 N. Franklin St.
Tampa, FL 33602
(813) 889-0019
Florida Insurance Solutions
Florida Insurance Solutions
Features
  • M-F: 8:30am - 5:30pm
  • Sat: 10am - 3pm
  • Closed Sun
  • westflainsurance.com
Location
114 E. Davis Blvd., Ste. 7
Tampa, FL 33606
(813) 253-0819
Homeowners Choice
Homeowners Choice
Features
  • M-F: 8am - 9pm
  • Sat: 9am - 12pm
  • Closed Sun
  • hcpci.com
Location
5300 W. Cypress St., Ste. 100
Tampa, FL 33607
(813) 405-3600

How to choose homeowners insurance in Tampa

Tampa Skyline

Tampa home insurance is not cheap. The average premium nationally is $1,034 per year, but Florida's average is 102 percent higher. Floridians pay more because of catastrophic events like sinkholes and wind and water damage from tropical storms.

Neighborhood Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
Ballast Point - 33611 $2,784 $5,211 $7,633
Hyde Park - 33606 $2,638 $4,931 $7,215
Brandon - 33510 $2,412 $4,496 $6,576
Tampa Heights - 33602 $2,606 $4,860 $7,111
Lutz - 33548 $2,383 $4,456 $6,522
Apollo Beach - 33572 $2,830 $5,363 $7,877
Carrollwood - 33618 $2,351 $4,393 $6,428

Note: Based on dwelling amounts above with a constant $1,000 deductible and $100,000 liability.

Home insurance rates in Tampa depend on the age and condition of your house and its proximity to the water. You are not legally required to have homeowners insurance in the state of Florida. However, if you have a mortgage, your lender will require it. Your home is one of your greatest assets, and it's a good idea to protect it, especially in Tampa where heavy rain and high winds can cause damage at any time.

Before you choose a Tampa home insurance policy, find out what discounts you might be eligible for. You can generally expect discounts for the following reasons:

  • Bundling your auto and home insurance policies with the same company
  • Installing security alarms or cameras at your property.
  • Paying your premium in full rather than on a monthly basis
  • Setting up automatic payments

Natural hazards, flooding and home insurance in Tampa

Tampa's location on the Gulf of Mexico makes it prone to hurricanes and tropical storms. This increases the chance of loss due to flooding or wind damage. Sinkholes are also a problem in Tampa neighborhoods.

Florida law requires that all insurers include wind coverage during a hurricane. Insurers in Florida are also legally required to cover damages caused by sinkholes. However, flood insurance is different and not always included in a homeowners policy. You'll need to purchase separate flood insurance, so work with a Tampa home insurance agent who can make sure you're completely covered. The Federal Emergency Management Agency (FEMA) has additional information on how to prepare and recover from hurricanes and floods.

Most of Tampa is in a flood zone, and extra coverage will be required. If your house is close to the Hillsborough River, in communities like Riverside Heights, Channelside, Temple Terrace and Sulphur Springs, you'll need to pay special attention to flood coverage. Homes in neighborhoods on the bay, such as Apollo Beach, Ruskin, Bayshore and Ballast Point are also at risk for flooding during a heavy rain.

Tampa homeowner liability

While homeowners insurance claims are usually centered on weather events, there are other reasons you need a good policy in place. If you have a swimming pool, you are liable for injuries that occur in the pool. Theft and fire damage are also threats in Tampa. Choose an insurance company that can help reduce your risk.

Progressive

Progressive

Progressive Insurance offers Tampa homeowners plans that can be purchased separately or bundled with their auto insurance. You can get quotes online, and there are discounts available when buying a new home. Local Progressive agents keep offices in and around Tampa when you need in-person help.

Geico

Geico

Get a multi-policy discount when your Tampa home and auto are insured by GEICO. With a mobile app and multiple ways to contact customer service or claim support, GEICO makes it easy to find and manage your Tampa homeowners insurance. Enter your Tampa ZIP code online or in the app to get a quote.

Statefarm

Statefarm

Nearly 30 State Farm insurance agents do business in Tampa, and any one of them can give you a homeowners insurance quote. State Farm helps you understand your home’s value and its impact on the amount of coverage needed. Educational online articles address topics that are relevant to Tampa homeowners, such as hurricane protection.

Adcock-Adcock Insurance

Adcock-Adcock Insurance

Adcock-Adcock has provided Tampa home insurance to local homeowners since 1973. It’s one of the largest family-owned insurance agencies in Florida, and the team of agents have a deep understanding of Tampa’s unique home insurance needs. If your Tampa property is a manufactured home, Adcock-Adcock provides quotes for those policies, too.

Cornerstone Insurance

Cornerstone Insurance

Cornerstone Insurance is a local Tampa insurance agency providing personal service to people seeking homeowners insurance for houses and condos. They understand that other companies aren’t eager to write insurance policies for Florida properties, and they guide Tampa consumers through the changing insurance market and legal landscape.

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