Tampa, FL Homeowners Insurance

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How to find affordable homeowners insurance in Tampa

 

A critical consideration for every homeowner should be home insurance. Along with your personal property, homeowners insurance covers your dwelling against many perils, including wind damage, fire, and vandalism. With the relative frequency of such perils -- along with the high cost of rebuilding or repairing damages to a home -- purchasing home insurance is a wise investment.

The price of a homeowners insurance policy depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils like windstorms, hail, fire, or even theft, home insurance rates may be higher to account for the extra risk. Find out more information about what a home insurance policy covers.

If you want to find cheaper home insurance in Tampa, start with shopping around and comparing what different companies offer. Check out the below summary of average homeowners insurance rates in Tampa to help you get as much information as possible when you start your search for homeowners insurance. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.

 
Tampa, Florida, home insurance — table of contents:
  1. Rates by insurer
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Rates by deductible level
  5. Bundling discounts
 

 

Homeowners insurance in Tampa by insurance company

Homeowners insurance rates in Tampa vary from one insurance company to another. Security First offers the most affordable home insurance in Tampa, at just $478 per year. This compares favorably to the city’s average homeowners premium of $1,857.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Tampa, Florida.

 
AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN TAMPA
CompanyAverage Annual Rate
Security First$478
State Farm$686
Allstate$1,280
American Integrity$2,108
Peoples Trust$2,650
 

 

Average home insurance rates in Tampa by coverage amount

Your chosen level of homeowners coverage determines the insurance premiums you pay. In Tampa, carrying $200K dwelling coverage costs an average of $1,315, while carrying additional coverage up to $400K costs $2,441 per year.

 
HOMEOWNERS INSURANCE RATES IN TAMPA — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$735
$200,000 Dwelling$1,315
$250,000 Dwelling$1,557
$400,000 Dwelling$2,441
 

 

Tampa home insurance prices by ZIP code

Homeowners insurance costs can vary depending on what area of Tampa in which you live. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

If you're looking for the most affordable homeowners coverage in Tampa, take a look at the 33637 ZIP code. In the 33637 area, homeowners policies typically cost just $1,775 per year — a full $82 less than the overall average for Tampa. The below table shows the best places to live in Tampa if you’re looking for affordable homeowners insurance.

 
AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN TAMPA
ZIP CodeAverage Annual Home Insurance Rate
33637$1,775
33617$1,785
33647$1,795

Other parts of Tampa, however, are prone to home insurance costs that are higher on average. These areas of the city could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. The most expensive ZIP code for homeowners insurance in Tampa is 33621, where the average annual rate is $1,981.

 
EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN TAMPA
ZIP CodeAverage Annual Home Insurance Rate
33621$1,981
33616$1,979
33629$1,924
 

 

Home insurance deductibles in Tampa

Among the numerous choices faced by homeowners when shopping for an insurance policy is how high or low to set the deductible. A homeowners deductible is the amount you must pay out of pocket toward a covered loss. The deductible chosen can change how much you pay in insurance premiums.

When considering your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. As such, if you want your insurance rates to stay low, aim for a higher deductible. It's worth noting that a homeowners deductible should only be as high as you can reasonably pay if you actually suffer a loss.

Have a look at may of the typical deductibles offered by home insurance companies and an approximation of average homeowners insurance costs.

 
HOMEOWNERS INSURANCE RATES BY DEDUCTIBLE LEVEL IN TAMPA
Deductible LevelAverage Annual Home Insurance Rate
$500$1,690
$1,000$1,557
$1,500$1,540
$2,000$1,390
$5,000$1,333
 

 

Money-saving tip: bundle home and auto insurance in Tampa

If saving money is something you are worried about, it might be worth insuring your home and auto through the same insurance company. Bundling your homeowners and auto insurance can be a good money-saving option. By bundling your policies, Tampa homeowners could see annual savings of 6% on average.

 
CHEAPEST AUTO INSURANCE PREMIUMS WITH HOME BUNDLE IN TAMPA
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
USAA$1,036
State Farm$1,939
GEICO$2,532
Progressive$2,972
Allstate$3,493
 

Bundling your homeowners and auto policies can be a great way to save some money on insurance.

 

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com.