Florida's home insurance market is tough, rising rates, wind and flood risk, carriers coming and going. As an independent agency, we shop dozens of carriers to find you solid coverage at a price that actually works.
Finding good homeowners insurance in Tampa isn't as simple as it used to be, premiums are up, some national carriers have pulled back, and wind and flood exposure make Florida its own animal. Because we're independent, we're not stuck selling one company's policy. We compare dozens of A-rated carriers, build the coverage around your home and budget, and look for every discount you've earned.
Whether you own a single-family home, a condo, or you're renting, we'll make sure you're properly covered for what Florida can throw at you, without paying for what you don't need.
Rebuilds or repairs the structure of your home after a covered loss.
Your belongings, furniture, electronics, clothing, if they're damaged or stolen.
Protects you if someone is injured on your property or you cause damage.
Covers temporary living costs if your home is unlivable after a covered claim.
Covers hurricane and wind damage, usually with a separate hurricane deductible.
Flood is not covered by a standard home policy in Florida. We write it separately, and most Tampa homes should have it.
Coverage tailored to condo owners, interior, belongings & liability.
Affordable protection for your belongings and liability when you rent.
When carriers tighten up, having someone who can shop the whole market, not just one company, matters more than ever.
If one carrier raises rates or exits, we already have your next option lined up.
We make sure the Florida-specific coverage you actually need is in place.
Real people who understand Tampa risk, and answer when you call.
A wind mitigation inspection is often the single biggest saver on a Florida home policy, ask us if yours qualifies.
Wind and hurricane damage is typically covered, but Florida policies usually apply a separate hurricane deductible (often a percentage of your home's value). We'll walk you through exactly how yours works before you buy.
No, flood is not covered by a standard homeowners policy in Florida. It requires a separate flood policy (through the NFIP or a private carrier). Given Tampa's flood exposure, we recommend it for most homes and can quote it alongside your coverage.
It's a quick inspection that documents how well your home stands up to wind, roof shape, straps, openings. Florida law requires insurers to give credits for qualifying features, so it's often the biggest single discount on a Tampa home policy.
It varies with your home's age, roof, location, and coverage, and Florida runs higher than the national average. The fastest way to lower it is to compare carriers, which we do for you free.
Yes. We write condo (HO-6) policies for owners and renters (HO-4) policies, affordable coverage for your belongings and liability.
Absolutely. That's exactly when an independent agency earns its keep. We'll shop the market and find you a new policy, often at a better rate.
Tell us about your home and we'll bring back your best options, wind and flood included. Stop overpaying for homeowners insurance.