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