How Can I Make My Tampa, FL Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Tampa, FL covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.

Compare Quotes from Top Providers and Save now!

Select the Suitable Coverage Value for your Tampa, FL Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $49,000 $50,000 $50,000-$75,000
2 Bedroom $108,500 $100,000 $125,000-$150,000
3 Bedroom $141,500 $130,000 $150,000-$175,000
4 Bedroom $302,000 $250,000 $200,000-$250,000
5 Bedroom $351,500 $330,000 $250,000-$300,000

Choose the Best Tampa, FL Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Full Time Job 600-649 Credit Score $25 to 50,000 2 Pets, Smoker $990
Retired 650-699 Credit Score <$25,000 3 Pets, Smoker $1,060
Freelancer 500-549 Credit Score >$150,000 1 Pet, Smoker $2,800

Choose the Right Deductible for your Tampa, FL Home | Back to Top

Low Deductible ($500) High Deductible ($2500)
Place Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Florida $100 $930 $1,030 $780 $880 $150
Hillsborough County, FL $2,000 $760 $1,260 $660 $2,660 $-1,400
Tampa, FL $700 $850 $1,350 $700 $1,400 $-50
East Lake-Orient Park, FL $200 $560 $760 $470 $670 $90
Palm River-Clair Mel, FL $1,500 $420 $920 $350 $1,850 $-930
Northdale, FL $300 $910 $1,210 $780 $1,080 $130
Dunedin, FL $700 $720 $1,220 $600 $1,300 $-80
Meadow Oaks, FL $500 $690 $1,190 $560 $1,060 $130
Willow Oak, FL $1,500 $460 $960 $400 $1,900 $-940
Boca Ciega, FL $400 $1,060 $1,460 $870 $1,270 $190
Fuller Heights, FL $2,500 $770 $1,270 $620 $3,120 $-1,850
West Samoset, FL $300 $310 $610 $270 $570 $40
Fruitville, FL $1,000 $750 $1,250 $620 $1,620 $-370

Identify Top Home Insurance Agents near Tampa, FL | Back to Top

Home Insurance Company Tampa, FL Homeowners Insurance Agency Tampa, FL Address Popularity Score Distance from Tampa (miles)
Travelers First Heritage Insurance Services Inc 1511 N. West Shore Blvd. Suite 1100, Tampa, FL, 33607
6.8
Allstate Stanley Martin 611 E Bloomingdale Ave Ste D, Brandon, FL, 33511
13.4
Liberty Mutual Independent Most Insurance Agency 801 N Armenia Ave, Tampa, FL, 33609
5.5
Travelers The Jones Agency Inc 2098 Shepherd Rd , Mulberry, FL, 33860
28.0
State Farm Pam Leonard-Williams 2476 Sunset Point Road, Clearwater, FL, 33765-1515
18.1
State Farm Pamela Patterson 6903 Gunn Highway, Tampa, FL, 33625-3817
8.5
Travelers Commercial Insurance Specialists Llc 18115 Us Hwy 41 N Ste 400, Lutz, FL, 33549
8.2
Allstate John Schenone 18932 N Dale Mabry Hwy Ste 102, Lutz, FL, 33548
9.7
Liberty Mutual Independent Buhl Insurance Agency Inc 2935 W Hillsborough Ave, Tampa, FL, 33614
3.5
Travelers Frederick Insurance 17874 N Us Hwy 41, Lutz, FL, 33549
7.8

Compare Rates for Tampa, FL Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Florida $170,800 $750 $590 $1,010 $420
Hillsborough County, FL $170,000 $850 $660 $1,140 $480
Tampa, FL $167,300 $820 $640 $1,100 $460
East Lake-Orient Park, FL $105,900 $460 $360 $620 $260
Palm River-Clair Mel, FL $114,300 $630 $490 $840 $350
Northdale, FL $190,500 $950 $740 $1,270 $530
Dunedin, FL $170,500 $990 $770 $1,330 $560
Meadow Oaks, FL $127,200 $700 $550 $940 $390
Willow Oak, FL $114,400 $640 $500 $860 $360
Boca Ciega, FL $191,400 $1,090 $850 $1,460 $610
Fuller Heights, FL $140,700 $750 $590 $1,010 $420
West Samoset, FL $62,100 $270 $210 $360 $150
Fruitville, FL $197,500 $810 $630 $1,090 $460

Research Home Insurance Companies Reviews in Tampa, FL Before Buying | Back to Top

Share a review on your home insurance company


USAA Home Insurance Reviews

Date: April 15, 2019    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Policy Offerings
They have everything I have always needed for insurance, either by my own knowledge or from what other people have explained I should have. At decent prices.


Date: April 02, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
I am extremely happy and pleased with my insurance company, USAA.They customer service is phenomenal and I truly respect the good work and values of the company.

Date: February 15, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
We are very pleased with our insurance company coverage and customer service. They are fast to answer and always go above and beyond to answer questions or concerns that we have. I would rate their customer service as a 5.

Date: October 03, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Policy Offerings
Pretty much everything is covered in my home insurance policy including all of my belongings as well as the dwelling itself


Date: September 17, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
GEICO contacts me whenever needed. They're not overbearing since they do a lot of the groundwork. The employee does a thorough job in getting required from me on the first try.

Date: September 11, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
Compared to other insurance companies, GEICO's premium is comparable. I choose to stick with GEICO because I've been with them for years.

Date: September 04, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
I like how easy and clearly laid out everything is. I have used this carrier for my auto insurance too so being able to log on and see both are very convenient for me.

Date: August 28, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
This is a good premium for me. It even is packaged with my auto insurance to give me small discounts on both since they are both with the same carrier

Date: August 24, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Policy Offerings
My policy covers everything that is stated in a typical HO-1 Basic Form


Date: August 17, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
Whenever anything is wrong they will contact me and if something is wrong that I notice, they are very prompt with their replies.

Date: August 08, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
I like the company's website because it is easy to use and is connected to all my other services through USAA.

Date: July 27, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Communication
The customer service reps are easy to deal with and explain everything very well. They are always able to answer any questions I may have about my policy.

Date: June 15, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
Customer service is on point. There is not one instance where I was snubbed or treated wrongly.

Date: June 10, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Customer Service
I liked how prompt they were at contacting me whenever I had an issue, which is already pretty rare. They are also very good at explaining everything clearly

Date: May 03, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
GEICO's user interface is simple and easy to navigate. I don't have to spend much time searching for what I need.

Date: November 19, 2017    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
USAA has the best rates of any insurance provider I've come across. I have gotten quotes from various providers but none have been able to beat the prices offered by USAA.

Date: November 19, 2017    Age: Above 60    Gender: Female    Marital Status: Unmarried

Customer Service
USAA has outstanding customer service. The agents are always very friendly and helpful and they always meet my needs as a customer and answer any questions I may have.

Stillwater insurance Group Home Insurance Reviews

Date: September 11, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
all the damages that can occur in my house and this time with a high insurance of very good quality


Date: September 04, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
I like the service of clients of my company because friendly and they solve with an immediate efficiency at the time of any problem

Date: August 08, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Communication
they are good and friendly when it comes to an online call they resolve quickly but sometimes calls do not come out or they do not answer because of high demand

Date: August 07, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
It is a very efficient company at the time of elaboration and at home, emergencies are very useful and easy to execute

Date: June 02, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
it is a very good page it is colorful and diverse, besides, it is very easy to use, it has many tools, the only bad thing is that it is very slow and many times it is in maintenance

Universal Property & Casualty Insurance Company Home Insurance Reviews

Date: August 22, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Customer Service
I like that they are so fast when it comes to customer service, but I dislike that they are never simpathetic.

Date: August 05, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Website/App
Honestly, I like the website, their desing is amazing and it is simple to understand all the content.

Date: January 29, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
Their premium is pretty cheap compared to the competition. They cover more for less.

Date: January 15, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Communication
I like when I call them, they arrive in less than 2 hours. In general, I would say that this company is fast for everything.

Date: December 28, 2017    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
They have covered several fixes in my bathroom. I was remodeling and the guy who was doing it, did it wrong and I had to go to me home insurance company.


People's Trust Insurance Home Insurance Reviews

Date: October 01, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Premium
I agree with the premium. Unfortunately, it has increased due to the changes in the economy but it's still cheaper compared to others.

Date: September 23, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
I always had a great experience with this company. They are always friendly, knowledgeable, professional, and available to assist. I had an issue with my bank making the payment to renew my policy. The insurance company was very understanding and patient. The representative assisted me with the problem and gave a follow-up call to ensure and inform me step by step of the process.

Date: September 06, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
I like the company's website because you can find most of your answers available online. You can also make payments, view your policies and view FAQ. The website is very informative and user-friendly.

Date: August 11, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
The insurance company covers a lot: the structure, flooding, damages done to the home and will assist with medical payments.


Date: August 03, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Customer Service
I never had a bad experience with this company. They are always friendly, knowledgeable, professional, and available to assist.

Allstate Home Insurance Reviews

Date: February 11, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Policy Offerings
we have not had to deal with anything serious it is hard to make any comparisons. However we are happy with them so far and they are always accommodating when we need to make any changes or have any questions.


Date: December 09, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
This past summit when we found out our 3 year old roof was installed wrong and was tearing up from wind and needed replaced, we also found out we have a 1500 deductible. From other information we found common deductibles are usually 500-1000 so not so happy about that.

Date: October 24, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
We have basic coverage on our home. I am not sure of the details, as my husband takes care of all the insurance needs in our household


Progressive Home Insurance Reviews

Date: November 30, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
I think Progressive's customer service is outstanding. They are always so helpful when I call, and quick to respond to my inquiries about products or personal concerns. I would rate their customer service at a 5 on a scale of 1 to 5.

Travelers Home Insurance Reviews

Date: December 29, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Premium
The premium and deductible seem comparable to other companies. lower pymt means higher deductible.

Safeco Insurance Home Insurance Reviews

Date: June 04, 2019    Age: 20 to 29    Gender: Married    Marital Status: Female

Premium
Our premium is almost half what other companies wanted to charge us. I think our deductible is probably right on par with other companies.

Nationwide Home Insurance Reviews

Date: November 25, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
My premiuim is pretty cheap per year, it goes right into the cost of the mortgage payment i don't even see the payments really

Farmer's Insurance Home Insurance Reviews

Date: July 10, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
I am very well pleased with Farmer's Insurance home insurance customer service. I did have a claim in the last six months and the customer service representative that I talked to gave me good.

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