Dwelling
Repairs or rebuilds your home's structure after a covered loss, up to your Coverage A limit.
Homeowners insurance in Tampa Bay
Your home is probably the biggest thing you own — and in Tampa Bay it faces hurricanes, heavy rain, and some of the most specific insurance rules in the country. We help you sort out what a policy actually covers before a storm tests it.
Request a free quote Read the blogWhat a homeowners policy covers
Other structures
Detached garages, fences, sheds, and pool cages — usually a percentage of your dwelling limit.
Personal property
Your belongings, at home and away from it, subject to limits on high-value items.
Loss of use
Extra living expenses if a covered loss puts you out of your home while it's repaired.
Liability
If someone is injured at your home or you damage their property, plus legal defense.
The Florida parts that surprise people
A seperate hurricane deductible. Most Florida policies carry a hurricane deductible stated as a percentage of your home's insured value — 2% is common — rather than a flat dollar amount. On a $400,000 home that's $8,000 out of pocket for hurricane damage, so check the percentage on your declarations page before storm season, not after.
Flood is not covered. Storm surge and rising water are excluded from homeowners policies, full stop. That coverage lives on a separate flood policy — and in low-lying parts of Pinellas, Tampa, and Sarasota, it's the gap that hurts most.
Roofs and Citizens. Roof age and condition drive eligibility and price across Tampa Bay, and many local homeowners are with Citizens Property Insurance, the state-backed insurer. Citizens policyholders face a flood insurance requirement that reaches every policy on January 1, 2027 — our flood insurance explainer walks through the schedule.
Common questions
How much homeowners insurance do I need?
Enough to rebuild your home at today's construction costs — which is usually different from its market value or your mortgage balance. We work from replacement cost, not the purchase price.
Does homeowners insurance cover hurricanes?
Wind damage from a hurricane is generally covered, subject to your hurricane deductible. Flooding from storm surge or rising water is not — that requires flood insurance.
Why did my premium go up?
Florida premiums reflect reinsurance costs, roof age, claims history, and your home's distance to the coast, among other factors. A review can sometimes find discounts or a better-fitting carrier.
Keep reading
Flood insurance in Florida, explained · After the flood: a claims checklist for Pinellas County
Related coverage
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