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-$300,000 |
Estimate your Savings with Home Insurance Discounts in Tampa, FL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$213 | $1,207 |
| Superior Protection Discount | -$142 | $1,278 |
| Fire & Security Discount | -$156 | $1,264 |
| Hail Resistant Roof Discount | -$28 | $1,392 |
| Newly Constructed Home Discount | -$369 | $1,051 |
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 |
| Hillsborough County | $2,000 | $1,432 | $3,432 | $1,040 | $3,040 | $391 |
| Tampa, FL | $700 | $1,403 | $2,103 | $1,020 | $1,720 | $383 |
| East Lake-Orient Park, FL | $200 | $899 | $1,099 | $653 | $853 | $246 |
| Palm River-Clair Mel, FL | $1,500 | $808 | $2,308 | $587 | $2,087 | $221 |
| Northdale, FL | $300 | $994 | $1,294 | $723 | $1,023 | $272 |
| Dunedin, FL | $700 | $1,323 | $2,023 | $962 | $1,662 | $362 |
| Meadow Oaks, FL | $500 | $1,134 | $1,634 | $824 | $1,324 | $310 |
| Willow Oak, FL | $1,500 | $798 | $2,298 | $580 | $2,080 | $218 |
| Boca Ciega, FL | $400 | $975 | $1,375 | $708 | $1,108 | $266 |
| Fuller Heights, FL | $2,500 | $974 | $3,474 | $708 | $3,208 | $266 |
| West Samoset, FL | $300 | $835 | $1,135 | $607 | $907 | $228 |
| Fruitville, FL | $1,000 | $1,033 | $2,033 | $751 | $1,751 | $282 |
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
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Florida | $178,700 | $1,605 | $1,250 | $2,150 | $900 |
| Hillsborough County, FL | $179,500 | $1,449 | $1,130 | $1,940 | $810 |
| Tampa, FL | $174,600 | $1,420 | $1,110 | $1,900 | $790 |
| East Lake-Orient Park, FL | $101,000 | $910 | $710 | $1,220 | $510 |
| Palm River-Clair Mel, FL | $110,900 | $818 | $640 | $1,100 | $460 |
| Northdale, FL | $215,700 | $1,007 | $790 | $1,350 | $560 |
| Dunedin, FL | $161,100 | $1,339 | $1,040 | $1,790 | $750 |
| Meadow Oaks, FL | $110,500 | $1,148 | $900 | $1,540 | $640 |
| Willow Oak, FL | $108,800 | $808 | $630 | $1,080 | $450 |
| Boca Ciega, FL | $210,000 | $986 | $770 | $1,320 | $550 |
| Fuller Heights, FL | $145,900 | $986 | $770 | $1,320 | $550 |
| West Samoset, FL | $66,000 | $845 | $660 | $1,130 | $470 |
| Fruitville, FL | $226,800 | $1,046 | $820 | $1,400 | $580 |
Research Home Insurance Companies Reviews in Tampa, FL Before Buying | Back to Top
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USAA Home Insurance Reviews
Date: September 23, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Date: April 15, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Date: April 02, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: February 15, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: October 03, 2018 Age: Above 60 Gender: Female Marital Status: Married
Date: September 17, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: September 11, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: August 28, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: August 24, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Date: August 17, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: August 08, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: July 27, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Date: June 15, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: June 10, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Date: May 03, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: November 19, 2017 Age: Above 60 Gender: Female Marital Status: Unmarried
Date: November 19, 2017 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Stillwater insurance Group Home Insurance Reviews
Date: September 11, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: September 04, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: August 08, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: August 07, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: June 02, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Universal Property & Casualty Insurance Company Home Insurance Reviews
Date: August 22, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Date: August 05, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Date: January 29, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: January 15, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: December 28, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
People's Trust Insurance Home Insurance Reviews
Date: October 01, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Date: September 23, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: September 06, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: August 11, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: August 03, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Allstate Home Insurance Reviews
Date: September 09, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Date: February 11, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Date: December 09, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: October 24, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Farmer's Insurance Home Insurance Reviews
Date: December 29, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Date: July 10, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Assurant Specialty Property Home Insurance Reviews
Date: January 06, 2020 Age: 20 to 29 Gender: Female Marital Status: Married
Progressive Home Insurance Reviews
Date: November 30, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Travelers Home Insurance Reviews
Date: December 29, 2018 Age: Above 60 Gender: Male Marital Status: Married
Safeco Insurance Home Insurance Reviews
Date: June 04, 2019 Age: 20 to 29 Gender: Married Marital Status: Female
Nationwide Home Insurance Reviews
Date: November 25, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried