How much is homeowners insurance in Tampa, FL

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Tampa is $5,165 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $2,661 more than the national average of $2,504.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Tampa depend on several factors, including:

• Size of your home
• Age of your home
• Amount of coverage you need
• Location
• Your credit score

Travelers is the cheapest homeowners insurance company in Tampa with an average annual premium of $1,685 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Tampa. Keep reading to learn about the monthly cost of homeowners insurance in Tampa, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Tampa.

How much is homeowners insurance in Tampa per month

According to Insure.com’s rate analysis, residents of Tampa pay an average of $430 per month for homeowners insurance. This is $49 more than the state average of $381 and $221 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Tampa can vary depending on your location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Tampa

The average cost of homeowners insurance in Tampa, FL is $3,795 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Tampa

As per rate analysis by Insure.com, homeowners residing in Tampa typically pay an average of $5,165 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $1,370 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Tampa by company

After evaluating several carriers, Travelers is the least expensive homeowners insurance provider in Tampa. It’s average annual rate for homeowners in Tampa is $1,685, while Security First Insurance holds the second position.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Tampa and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Tampa and their average annual premiums.

Common natural disasters in Florida that may affect home insurance

Natural disasters can happen unexpectedly and cause serious damage to your home and belongings. It’s important to know these risks so you can make sure your home insurance covers you properly if something happens.

Hurricane and Lightning are some of the common natural disasters in Florida that could affect your home insurance costs.

How home insurance protects you against natural disasters

Home insurance plays a crucial role in protecting your home and belongings in case of natural disasters. Events such as hurricanes, floods, earthquakes and wildfires can cause significant damage, and home insurance helps by covering the costs of repairs or replacement of your property. Depending on your policy, it may also provide coverage for temporary living expenses if your home becomes uninhabitable.

In addition to physical damage, home insurance typically covers liability costs if someone is injured on your property. This added protection gives homeowners peace of mind, knowing they have financial support during difficult times.

A standard home insurance policy may not cover all-natural disasters. Review your policy carefully to ensure you’re covered for the specific risks.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Tampa for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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