Home Insurance
Homeowners and dwelling policies that fit Florida's weather, roofs, and rules. Learn more →
Property and casualty insurance, made simple.
AssureBay helps Florida families and businesses protect their homes, cars, and livelihoods — with clear guidance and no pressure. Proudly serving Tampa Bay: Pinellas, Hillsborough, Pasco, and Sarasota counties.
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Our focus is property & casualty insurance. Life insurance is available too — just ask.
Auto Insurance
Coverage for drivers and families, from state minimums to full protection. Learn more →
Flood Insurance
Separate flood coverage for homes inside and outside high-risk flood zones. Learn more →
Business Insurance
Property and liability protection for Florida small businesses and landlords. Learn more →
Life Insurance
Term and permanent options to protect the people who count on you. Learn more →
Insurance for Tampa Bay, from a Florida agency
We work with homeowners, drivers, and small businesses across the Tampa Bay area — St. Petersburg, Clearwater, Largo, and the Pinellas beaches; Tampa, Brandon, and Riverview in Hillsborough County; Wesley Chapel, Land O' Lakes, and New Port Richey in Pasco County; and Sarasota, Venice, and Bradenton to the south.
Tampa Bay insurance has its own rules: hurricane deductibles, flood zones that reach far beyond the coast, Citizens Property Insurance requirements, and some of the busiest roads in Florida. Our blog explains them in plain English, and our quotes are built for them. Get a free quote →
Latest from the blog
Plain-English explainers on Florida insurance — coverage, costs, and claims.
Home Insurance ·
After Isaias: The Three Claim Clocks Running on Florida Homeowners
Hurricane Isaias made landfall near Destin on October 9 as a Category 2 storm, and by October 27 the Florida Office of Insurance Regulation was counting an estimated $652 million in insured losses across more than 62,000 claims. A month later, the tarps are up, the adjusters have mostly come and gone — and many…
Home Insurance ·
Citizens Is Changing Its Forms Dec 1 — What Tampa Bay Policyholders Need to Check Before Renewal
If Citizens Property Insurance covers your home, your next renewal comes with new paperwork. The Florida Office of Insurance Regulation has approved updates to Citizens' Personal Lines policy forms, effective for new and renewal business on December 1, 2026. Most of it is fine print — but a few changes can cost a…
Home Insurance ·
Free Home Inventory Worksheet & Insurance Document Checklist for Florida Homeowners
Every insurance claim for your belongings starts with the same request: list what you had. After a fire, a burst pipe, or a Tampa Bay storm, that means standing in a damaged home — or worse, working from memory at a relative's kitchen table — trying to recall every TV, appliance, tool, and piece of furniture you…
Common questions
What does homeowners insurance cover in Florida?
A standard policy covers your dwelling, other structures, personal property, loss of use, and liability. Flood damage is not included — flood requires a separate policy.
Do I need flood insurance if I am not in a flood zone?
Flooding can happen anywhere in Florida, and a large share of flood claims come from lower-risk areas. It is worth pricing even when it is not required.
What is a hurricane deductible?
Many Florida policies carry a separate hurricane deductible stated as a percentage of the home's insured value. Check the percentage on your policy before storm season.
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