Homeowners Insurance Tampa

Protect Your Home with Homeowners Insurance Tampa Coverage from 20+ Local Tampa Carriers

We are constantly striving to make Elite Business Insurance your one stop shop for all insurance needs. We utilize hundreds of the top companies in the industry for Homeowner’s Insurance to make sure you are getting the best possible coverage for your specific situation.

What is Tampa Homeowners Insurance?

Homeowners insurance Tampa is designed to protect an individual’s home against damage to the house itself or to the belongings within the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

There are several forms of homeowners’ insurance that we utilize and customize for each client’s situation. They range in name from HO-1 to HO-8 and offer various levels of protection, depending on your needs.

Critical for Tampa Homeowners

For people who live in Tampa Bay, adding a separate flood insurance policy is essential. Standard homeowners policies DO NOT cover flood damage, and Tampa is in a high-risk flood zone. See our Flood Insurance page for more information.

What Does Homeowners Insurance Tampa Cover?

Dwelling Protection

Covers the structure of your home against covered perils like fire, wind, hail, and lightning.

Personal Property

Protects your belongings inside the home—furniture, clothing, electronics, and more.

Liability Coverage

Covers legal costs if someone is injured on your property or you damage someone else's property.

Additional Living Expenses

Pays for hotel and meal costs if your home becomes uninhabitable due to a covered loss.

Other Structures

Covers detached structures like garages, sheds, and fences on your property.

Medical Payments

Pays medical bills for guests injured on your property, regardless of fault.

Bundle Your Home & Auto Insurance

Most Tampa homeowners save 15-25% by bundling their homeowners and auto insurance policies with Elite Business Insurance. One agent. Complete protection. Better rates.

What People Say About Elite Business Insurance

Independent insurance agency serving Tampa Bay. With more than 245 five-star reviews from real contractors, restaurant owners, and small businesses across Tampa, FL

Dinara Sadillayeva

Great service! Stephen gave us a very good quote and was extremely helpful. I highly recommend this insurance company. Very professional approach and excellent customer service. Thank you, Stephen!

Bobby Ryan

Have had multiple business insurance plans with Elite for over 2 years, Kyle and team are easy to work with.

Johns movers Johns movers

I’ve been with them for quite a while always treat me very fair. Definitely would recommend them to anyone.

Randy Faulkner

Excellent group of folks. Very prompt.

Arun arockia charles

I had a wonderful experience working with Norie at Elite Business Insurance. She took the time to understand my business needs, listened carefully to what was important to me, and shopped around with multiple carriers to find the best option. She was able to provide me with a significantly better rate while keeping coverage very similar to my previous policy. Norie was professional, knowledgeable, patient, and responsive throughout the entire process. She made everything easy to understand and never made me feel pressured. I truly appreciate the time and effort she put into finding the best value for my business. If you're looking for someone who genuinely cares about finding the right coverage at a competitive price, I highly recommend Norie and Elite Business Insurance. Thank you for your outstanding service!

Blake Kouwenhoven

The owner Stephen is awesome. Kyle was amazing to finalize the insurance with. Very happy I discovered Elite. They clearly answered any questions I had and were quick about everything so far.

Sharjeel

great service.

ericadh68

I needed a renewal declarations page for a client. Norie got it to me SO FAST! And it was accurate. Really excellent to work with!

Tyler Scott

I’ve never been more impressed with an insurance company than this one! Very professional, honest, quick to respond, and good pricing. They worked with my direct needs. Thank you!

Jeffrey Hova

I had a great experience with Steve and Dustin. Very professional and prompt service.

Get Your Free Homeowners Insurance Tampa Quote today

Your home is your biggest investment — protect it the right way. Get a free homeowners insurance quote today. We shop multiple carriers to find you the best coverage at the most competitive rate. No obligation.

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