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Old 10-04-2008, 08:44 PM
 
Location: Washington State
389 posts, read 948,961 times
Reputation: 250

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How expensive is homeowner's insurance in Tampa? Is it about the national average? How much would I expect to pay for, say, a 150K home?

I've heard that insurance in Florida is a nightmare, and back when my wife lived in the Tampa area, she seemed to pay a buttload in car insurance. So, I was wondering if that "nightmare" extended to home insurance as well.
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Old 10-04-2008, 09:12 PM
 
Location: Tampa, FL
27,798 posts, read 26,244,921 times
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There are several threads with that same topic - probably best to search for them - most of your questions were recently answered.
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Old 10-04-2008, 09:15 PM
 
Location: Tampa, FL
27,798 posts, read 26,244,921 times
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Homeowners insurance

Car Insurance Rates, Tampa??

Home Owner's Insurance, what do you pay?

Homeowners Insurance

Property tax and insurance for 200,000 home in CARROLWOOD??
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Old 10-04-2008, 10:05 PM
 
Location: Washington State
389 posts, read 948,961 times
Reputation: 250
Ahh thanks, BucFan!
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Old 10-06-2008, 09:09 PM
 
37 posts, read 165,427 times
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I've lived in the central FL area east of Tampa for 34 years. Homeowners insurance is a real challenge every year. I have used Allstate for years. They dropped my homeowners several years ago, but still act as a broker to supply me with coverage. it seems the situation is getting better, but in the last few years, I got non-renewd each year, and had to hunt coverage. Companies are writing new policies, but you have to shop. As with any insurance, it all depends where you live, age of house, and closeness to fire station, and hydrants. My house is a 3 BR ranch, about 33 years old. Fixed up a little , it's probably valued around $150,000 or so. I pay $1700 a year. It's been going up every year. I did have Citizens Insurance--the insurer of last resort, and they shed my policy off to another company. they were geting too big.
Anyway, just shop around--price varies quite a bit, but there isn't anything cheap anymore.
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Old 10-09-2008, 02:04 PM
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346 posts, read 1,305,593 times
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It also relies heavily on the age of the house. Houses built to the latest hurricane codes (post 2003 I believe) are relatively inexpensive to insure. Older structures or those near the coast are insane. On my 2005 3900 sq ft house in Plant City, I paid 1600 and some change a year for a 400k full coverage policy. My previous house built in 78, I was paying $2600 for a 200k policy.

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