Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Tampa

Our Recommended Top 17

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Tampa Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

209

Reviewed

132

Curated

17

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
607 North U.S. Highway 41, Ruskin, FL 33570
  • Fire
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers

Why choose this provider?

Clifton and Lewis Insurance Group has been serving residents in the Tampa area with insurance needs since 1996. The team of professionals helps clients to get home insurance coverage that provides financial protection if something unexpected happens to their properties and belongings. The policy also covers the residents' liabilities and legal responsibilities for the injuries and damages they cause to other people. Clifton and Lewis Insurance Group offers flood insurance policies for residential and commercial properties.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (24)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
9927 Delaney Lake Dr, Tampa, FL 33619
  • Renter's Insurance
  • Condos
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Quorum Insurance LLC is a Tampa, Florida-based insurance company assisting clients throughout the metro area by performing home insurance services including policy consultation and finding affordable rates within the clients budget. The agency insures traditional homes, apartments and condominiums, and is experienced with insurance policies tailored to home owners, landlords, and renters. It commonly structures policies that protect the home itself, cover for liabilities involving non-residents, and provide post-incident support services. Quorum Insurance LLC insures automobiles as well and offers umbrella policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.4 / 5 (20)
Facebook
5.0 / 5 (13)
Yelp
2.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3956 W Hillsborough Ave, Tampa, FL 33614
  • Homeowners

Why choose this provider?

Mike Polivchak is an insurance agent who works for GreatFlorida and serves clients in the Tampa area. He provides an array of homeowners' insurance policies to protect homes and families from unforeseen calamities. He also offers risk protection plans for renters, commercial properties, floods, and cars. He works with insurance carriers including Mercury Insurance, Progressive, Safeco Insurance, and Avatar. He is working with GreatFlorida, which has been in the industry for over three decades and has over 128 locations throughout Florida.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (103)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6810 E Hillsborough Ave, Tampa, FL 33610
  • Renter's Insurance
  • Condos
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Why choose this provider?

Members Insurance Center LLC in Tampa, Florida, helps homeowners across the entire state find the home insurance coverage they need. This knowledgeable independent insurance agency works with a portfolio of underwriters, including reputable companies such as Assurant, National General, and Suncoast. Its agents help homeowners determine how much insurance they need based on their home's replacement value and potential perils. The agency also sells auto, life, health, and umbrella policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (50)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
7211 N. Dale Maybry Hwy, Tampa, FL 33614
  • Personal Property Insurance

Why choose this provider?

All Affordable Insurance Agency strives to provide client-focused services to help individuals and families achieve their insurance needs. Serving the Tampa metro, the independent agency offers a range of personal lines of insurance, including homeowners' plans. It creates personalized coverages to protect policyholders from financial losses caused by property damages and lost items. The company also handles auto, health, renters', and recreational vehicle insurance. All Affordable Insurance Agency has been in business for more than 32 years.

License Verified:

License: L029723

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (101)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5121 Ehrlich Rd # 111, Tampa, FL 33624
  • Renter's Insurance
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Seibert Insurance Agency has been providing custom insurance plans to Tampa Bay residents since 1971. The team of agents works with each client to create a personalized homeowners insurance plan that covers standard liability and damage as well as Florida's climate risks, such as hurricanes and floods. The company also helps with specialized coverage, such as animal liability, sinkhole damage, and personal belonging coverage. Seibert Insurance provides auto insurance, renters insurance, and commercial plans as well.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (307)
Yelp
4.5 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4305 Bay To Bay Blvd, Tampa, FL 33629
  • Renter's Insurance
  • Condos

Why choose this provider?

Jim Cornwell is an insurance agent at State Farm that has been serving business owners and individuals throughout the metro area of Tampa for more than 40 years. He provides a wide range of personal and commercial lines of insurance, such as homeowners', disability, life, long-term care, and renters and business insurance. Cornwell also offers financial and residential relocation services. He has qualified for numerous State Farm Awards, including State Farm Crystal Excellence and State Farm Lifetime President's Club.

License Verified:

License: L111130

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3419 S Dale Mabry Hwy, Tampa, FL 33629
  • Flood
  • Homeowners

Why choose this provider?

All Star Insurance, based in Tampa, is an insurance service provider that serves home and business owners throughout the metro. The family-owned and family-operated company offers a wide array of insurance plans, including homeowners' insurance. It provides policies for various property types, from rental properties, townhomes, and condos to mobile homes, vacant homes, and homes under construction. As an independent insurance company, it offers policies from multiple insurance carriers to provide clients with the right level of coverage.

License Verified:

License: L004191

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6115 N Armenia Ave, Tampa, FL 33604
  • Homeowners

Why choose this provider?

Adrian Fernandez Insurance, Inc., provides a variety of personal and commercial insurance solutions. Its personal line of insurance includes protection and coverages for homeowners. In the event of natural disasters or catastrophic events, homeowners' policies can protect clients from financial losses. Insurance coverages for investment properties, condominiums, townhomes, apartments, and mobile homes are also available. For more than four decades, Adrian Fernandez Insurance has been serving the insurance needs of individuals and businesses all around Tampa.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (48)
Facebook
5.0 / 5 (27)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6107 Memorial Hwy D3, Tampa, FL 33615
  • Fire
  • Flood

Why choose this provider?

Tampa Insurance Services offers clients different policies that match their current needs. Serving Tampa and the surrounding communities, it focuses on providing homeowners' insurance plans to help protect clients financially should anything unexpected happens to their properties. The agency works with various insurance carriers, including Avatar, Old Dominion Insurance Company, UPC Insurance, and TypTap Insurance. The other policies it offers are condominium and renters' insurance. The agency also handles flood insurance to help policyholders in case their homes get damaged due to flooding.

License Verified:

License: L086044

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.9 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4311 El Prado Blvd, Tampa, FL 33629
  • Homeowners

Why choose this provider?

Rip Weachter Insurance is a firm that serves clients in Tampa. For over 30 years, it has been helping individuals and businesses secure their life and properties through its insurance products. The firm offers personal, commercial, and life insurance policies that are customizable depending on clients' needs, capacity, and goals. Its homeowners' insurance policies generally provide clients with financial safety nets if unexpected losses occur, such as natural disasters, accidents, and robberies. Rip Weachter insurance agents can also design plans to protect rental properties.

License Verified:

License: R016249

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
3.9 / 5 (19)
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6511 North Himes Ave, Tampa, FL 33614
  • Flood
  • Multiple Carriers

Why choose this provider?

Klima Insurance is a bilingual insurance company that caters to homeowners in Tampa and nearby communities. Active since 2004, it employs a team of independent insurance agents that speak fluent Spanish. They can compare the annual rates and policy coverages of insurance quotes from multiple regional and national carriers. This includes specialized coverages for unique dangers like theft of possessions and flooding in the property. Previous clients have lauded the agents at Klima Insurance for examining and explaining all coverage details and monthly costs.

License Verified:

License: L005764

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (38)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
9724 N. Armenia Ave, Suite 200, Tampa, FL 33612
  • Renter's Insurance
  • Homeowners

Why choose this provider?

Jerry Perez is a State Farm insurance agent that caters to homeowners in Tampa and nearby communities. He has lived in the city for over 60 years and has worked as an insurance agent since 1985. Jerry uses his knowledge of the metro and the local housing market to estimate coverage expenses for general and customized policies. He can also revise existing policies to add new coverages for concerns like theft and flooding. Jerry can also speak Spanish.

License Verified:

License: A204160

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.7 / 5 (19)
Yelp
1.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14020 North Florida Avenue, Tampa, FL 33613
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Family Insurance of Tampa is a full-service insurance company serving its metro area and nearby localities. The firm assists individuals and families in protecting their homes and personal belongings by offering a homeowners' insurance policy. Its insurance agents guide clients in choosing the right insurance plan that can cover the total value of their homes and personal assets. The company also offers flood, auto, rideshare, business, and general liability insurance. The agency has been providing customized and comprehensive insurance solutions since 1994.

License Verified:

License: L091310

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (23)
Yelp
4.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6320 S Dale Mabry Hwy, Tampa, FL 33611
  • Fire
  • Flood
  • Homeowners

Why choose this provider?

We Insure in Tampa is an agency that provides its clientele with various insurance options. It offers personal and business insurance policies, including homeowners', renters', and commercial property insurance. For homeowners' insurance, its staff can explain to clients what kinds of coverage, like loss of use and personal liability coverage, would match their circumstances and financial goals. One client recounts how the agency's staff can maintain regular communication throughout the insurance application process and how they helped several of the client's family members get insured.

License Verified:

License: W397035

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (132)
Facebook
5.0 / 5 (42)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10730 N 56th St, #N-205, Temple Terrace, FL 33617
  • Homeowners

Why choose this provider?

Elite Business Insurance is a full-service independent agency that serves the locals of Tampa. Its personal insurance coverage includes homeowners', auto, and flood insurance. For business insurance, it offers general liability, auto, property, surety bond, flood, and workers' compensation insurance. The agency is available to provide assistance to its clients for their property and casualty insurance needs 24/7. With access to thousands of commercial insurance carriers, the company can create the right policies for its clients.

License Verified:

License: L086289

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8501 North Florida Avenue, Tampa, FL 33604
  • Personal Property Insurance

Why choose this provider?

American Family Agencies is an independent insurance agency serving clients in Tampa and nearby areas. It offers homeowners' insurance plans that provide coverage for homes and personal belongings affected by unforeseen events, including fires, hurricanes, and lightning. Clients can also avail themselves of liability coverage, which protects policyholders against claims for physical injuries sustained by guests. American Family Agencies has local agents who work with clients in devising customized insurance packages that suit their needs.

License Verified:

License: R024715

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Is homeowners' insurance legally required in Tampa?

    In Tampa, homeowners insurance is not required by law. If residents have mortgages on their homes, lenders will almost certainly require homeowners' insurance as a condition of the loan. When a storm watch or warning is issued in any part of Florida, insurance companies will not provide homeowners' insurance. The length of the suspension is determined by the company.

  • What optional benefits that Tampa homeowners might consider when purchasing homeowners’ insurance?

    Identity theft protection is one of the optional benefits or add-ons that Tampa residents may consider when purchasing homeowners' insurance to supplement their coverage. Other options for homeowners include animal liability, sinkhole coverage, and hurricane-screened enclosure coverage. Before adding any optional benefits to their policies, homeowners should review their existing coverage and assess their specific needs.

  • Do Tampa homeowners have to purchase hurricane insurance separately?

    No, because the standard homeowners' insurance policy in Tampa includes this deductible. This coverage kicks in when a home sustains wind-related damage during a hurricane. Furthermore, Florida insurance companies are required to offer lower rates to homeowners who have wind-protected homes. Dwellings built in accordance with the 2002 statewide building codes frequently meet the criteria for wind mitigation credits.

  • What is the average cost of homeowners’ insurance in Tampa?

    No, because the standard homeowners' insurance policy in Tampa includes this deductible. This coverage kicks in when a home sustains wind-related damage during a hurricane. Furthermore, Florida insurance companies are required to offer lower rates to homeowners who have wind-protected homes. Dwellings built in accordance with the 2002 statewide building codes frequently meet the criteria for wind mitigation credits.

  • How can Tampa residents know if they have enough liability coverage in their homeowners’ insurance?

    Tampa residents can determine the appropriate amount of liability coverage in their homeowners' insurance by ensuring that they have sufficient individual liability limits in the event that someone is injured on their property. It is also recommended that they have at least enough coverage to match their overall financial worth. If their net worth exceeds the maximum amount of liability coverage provided by their homeowners' insurance, they should consider purchasing an umbrella policy.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.