Home insurance in Tampa

Protect your home with top-rated coverage that could save you over $1,000 every year.*

Save an average of $817/year when you bundle home + auto*

• Home Only
• Home + Auto

Here’s how bundling works

You can finish your home quote online in just a few minutes. If you’d like to add auto for additional savings, a licensed agent can help with that afterward.

Start online, finish with an agent

You can finish your home quote online in just a few minutes. If you’d like to add auto for additional savings, a licensed agent can help with that afterward.

Get affordable home insurance in 3 simple steps

Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.

• Tell us about your home. Answer a few basic questions, and we’ll generate your home insurance quote in minutes.
• Personalize your policy. Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
• Get covered. Review your quote and sign your application online. Any questions? Our licensed agents are here to help.

Protect your home from disasters big and small

The policies we offer can be customized to cover Tampa’s top risks.

• Hurricanes & tropical storms
• Wind & hail damage
• Tornadoes
• Wildfires
• Floods
• Sinkholes
• Theft
• Vandalism
• Water damage

What does homeowners insurance cover in Tampa?

Rest easy knowing your coverage protects what matters most.

• Dwelling coverage
• Other structures
• Personal property
• Loss of use
• Personal liability
• Medical payments

We also offer additional coverage options for water backup, fungi & mold, animal liability, identity fraud, and more.

Discounts available in Tampa

Kin customers pay an average of $1,879 per year for $350,000 in dwelling coverage for home insurance in Florida, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.

• Home security - for installing security or fire alarms (available for nonmobile homes).
• Wind mitigation - the more wind-proof your home, the better.
• Water detection - because no one wants a flooded home.
• Claims-free - for keeping your home safe over the years.
• Electronic policy - for reducing your carbon footprint by saving some paper.

Why you'll love Kin

You get more than coverage — you get a team that follows through.

Here to help

We reach out before, during, and after major weather events to make sure you’re okay — and to assist if you need to file a claim.

24/7 claims support

Easily file a claim over the phone with a member of our support team or online in your Customer Portal.

5-star care

Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.

We've got Florida covered.

We help Floridians find coverage across the entire Sunshine State!

We sell policies in every county in Florida, including in these major cities:

• Cape Coral
• Fort Lauderdale
• Fort Myers
• Hialeah
• Jacksonville
• Miami
• Orlando
• Pembroke Pines
• Pensacola
• Port St. Lucie
• Sarasota
• St. Petersburg
• Tallahassee

Common questions about Tampa home insurance

What’s the average cost of home insurance in Tampa?

On average, Kin customers pay $1,879 per year for $350,000 in dwelling coverage for home insurance in Florida. That’s slightly less than the average cost of home insurance across Florida, due in part to the city’s inland location, which reduces the impact of direct hurricane exposure compared to coastal cities.

What factors affect home insurance premiums in Tampa?

Several local factors contribute to insurance costs in Tampa:

• Property's replacement cost value. Higher rebuilding costs typically lead to higher premiums.
• Claims history. Your personal claims record and the home's past claims can impact your rates.
• Deductibles and limits. The higher your coverage limits, the more you'll pay for coverage. Higher deductibles can lead to a lower premium.
• Hurricane risk. While not as exposed as coastal cities, Tampa is still vulnerable to wind damage.
• Roof age and type. Newer, hurricane-resistant roofs can help reduce costs. Older roofs may be more expensive to insure.
• Home age and construction. Older homes may cost more to insure, especially if they have not been updated to meet current building codes.
• Proximity to fire services. Homes farther from fire stations or hydrants may have higher premiums.
• Additional coverages. Any policy add-ons, such as water backup coverage or extended replacement cost coverage, will increase your rate.

How much home insurance do I need in Tampa?

When determining how much coverage to carry, keep the following in mind:

• Dwelling coverage. Your policy should include enough dwelling coverage to cover 100% of the cost to rebuild your home if it were destroyed. Note that your property’s replacement cost value is different from its market value or what you paid for it.
• Other structures coverage. This part of your policy can help you pay to repair or replace other structures on your property, such as a shed or detached garage, if damaged by a covered peril. It’s typically set to at least 10%, though you may need more depending on the value of other structures on your property.
• Personal property coverage. A standard home insurance policy typically includes personal property coverage equal to at least 50% of your dwelling limit. Exactly how much personal property you need will depend on the value of your insurable belongings.
• Liability coverage. Consider purchasing enough personal liability insurance to protect your assets, such as real estate and savings, if you were sued after a covered incident.
• Medical payments coverage. This part of your policy can help pay for minor medical bills if a guest is injured on your property, regardless of who is at fault. Common limits are $1,000 or $5,000.

What does home insurance not cover in Tampa?

Standard homeowners insurance in Tampa typically excludes:

• Flood damage (requires a separate flood policy)
• Routine maintenance or wear and tear costs
• Termite or pest infestations
• Earth movement or sinkholes, unless specifically added
• Water backups (requires an endorsement)

What additional coverages should Tampa homeowners consider?

Given Tampa’s flood potential and storm risks, consider:

• Flood insurance
• Water backup coverage
• Ordinance or law coverage for code-required rebuilds
• Extended replacement cost to handle inflation or demand surges

Is home insurance required in Tampa?

Florida law does not require home insurance, but most mortgage lenders will mandate it as a loan condition. Even if you own your home outright, insurance can help protect against major financial losses from hurricanes, theft, fire, and other covered perils.

Start saving on your home insurance

Get a quote online or call one of our agents at 855-717-0022