Home Insurance in Tampa, FL
Many Tampa homeowners open their renewal letters only to find their rates have doubled, or worse they have been dropped completely due to the age of their roof. We understand that panic. At Cheap Car Insurance Tampa, we do more than just auto policies. We are a full-service agency dedicated to simplifying the complex world of property coverage. Our goal is to help you secure a house insurance quote that protects your biggest asset against hurricanes, theft, and liability, without draining your savings. Whether you own a bungalow in Seminole Heights or a condo in Channelside, we shop the market so you don’t have to.
How Homeowners Can Protect Investment: What Standard House Insurance Covers
When you purchase a standard HO-3 policy (the most common type of homeowners insurance), you are generally covering four main areas: the dwelling, other structures, personal property, and liability.
- Dwelling Coverage: Rebuilding your home if disaster strikes. Whether it’s a fire, lightning bolt, or a wild windstorm outside. In Tampa, getting your home insured for its full replacement cost, rather than just what it’s worth on the market, is pretty much a no-brainer.
- Other Structures: Garages, fences and sheds, detached and separate from your main house to get their own coverage here.
- Personal Property: Think of this like ‘stuff insurance’ like your furniture, your expensive electronics, and your wardrobe get protected, even if they get swiped from your ride.
- Liability Protection: If someone slips up by the pool, or your dog decides to have a bit of a nip, this gets you out of trouble legally and financially.
However, “standard” doesn’t mean “everything.” Most policies exclude flood damage by default. We’ll review your specific situation in Tampa, Florida, to determine if you need additional coverage to address any potential gaps.
Understanding Wind Mitigation Discounts in Florida
One of the most effective ways to lower your house insurance premium is through a wind mitigation inspection. In Florida, carriers are legally required to offer discounts for homes that are built to withstand windstorms.
If your home was built after 2002, you likely already qualify for many of these credits because of updated building codes. for older homes, a certified inspector will check for specific features:
- Roof Geometry: Hip roofs (shaped like a pyramid) receive higher discounts than gable roofs.
- Roof-to-Wall Connections: How your roof trusses are attached to the walls (e.g., clips vs. toenails) matters significantly.
- Opening Protection: Impact-resistant windows or hurricane shutters can drastically reduce your rate.
We help you analyze your wind mitigation report to ensure you are getting every single credit you deserve.
Mobile & Manufactured Home Insurance in Florida
Mobile homes have become super popular in Hillsborough county as an affordable option for housing, but insuring them is actually a bit of a nightmare. A lot of the big name carriers have gotten out of the mobile home insurance business in coastal areas, which leaves owners of mobile homes with a seriously limited number of options.
Specialised Mobile Home Insurance for Older Models
If you’re the proud owner of a pre-1994 mobile home, you may have seen your fair share of rejection letters from insurance companies. It’s not hard to see why those older models don’t really meet the same building standards as newer homes, making them a bit of a ‘high risk’ investment for insurance companies. But just because you’re a high risk, it doesn’t mean you’re uninsurable.
We work with these specialty insurers that cater to the manufactured housing market. They get it, that a well looked after old home is still worth something. So we can get you some coverage that includes liability protection and the physical protection you need provided your home is tied down and skirted according to the proper safety rules and regulations.
Why Standard Policies Might Not Cover Your Manufactured Home
It’s super important to tell the difference between homeowners insurance and the insurance for mobile homes. Now a standard homeowners policy just doesn’t cut it for the unique risks associated with a factory built home. Mobile homes actually depreciate differently and are built on a chassis.
What you really need is a policy specifically designed for mobile homes. They tend to offer some of the same settlement options as regular homeowners insurance, but with options based on “Actual Cash Value” or “Replacement Cost”.
Finding the Right Home Owners Insurance Company for Your Budget
The “best” company is not always the one with the funniest commercials, it is the one that stays solvent after a Category 4 storm. We are the best home owners insurance company in Tampa FL, we work with to ensure they have the financial stability to pay claims.
Bundling Options: Home and Auto Insurance Savings
Most people know us as Cheap Car Insurance Tampa, but our secret weapon is the bundle. Insurance carriers love customers who buy more than one product. It proves loyalty and reduces their acquisition costs. They pass those savings on to you.
When you purchase your renters insurance or homeowners policy from the same company that insures your vehicle, you can see discounts of up to 20% on both policies.
Even if you are happy with your current auto provider, it is worth letting us run the numbers. Frequently, we find that moving your home insurance to us opens up a multi-line discount that makes switching your auto insurance a no-brainer.