Tampa Insurance Agency
Comprehensive insurance for Tampa families and businesses. Lake City-based with deep Gulf Coast expertise.
Independent Insurance Agent Serving Tampa, FL
Tampa is one of Florida's major metropolitan areas and a critical Gulf Coast economic center. With direct exposure to the Gulf of Mexico, extensive flood zones along Tampa Bay and the Hillsborough River, and a history of devastating hurricanes, Tampa homeowners and businesses face serious insurance challenges that require expert guidance and comprehensive coverage.
Greene & Associates Insurance has been protecting Florida families and businesses for over 30 years. Based in Lake City and serving the greater Tampa Bay area, we understand the coastal insurance landscape — hurricane storm surge risk, flood zone requirements, windstorm deductibles, and the coverage you need to protect your property and livelihood. As an independent agency with access to 20+ carriers, we shop the market to find you the right coverage at competitive rates.
Personal Insurance in Tampa
Protect your Tampa home, auto, and family with comprehensive coastal coverage.
Home Insurance in Tampa
Tampa faces extreme hurricane risk due to its Gulf Coast location. The last major hurricane to make direct landfall in Tampa Bay was in 1921, but experts warn the area is overdue for a catastrophic storm. When (not if) a major hurricane hits Tampa, storm surge could reach 15+ feet in some areas, causing unprecedented damage.
Hurricane/windstorm deductibles: Tampa home insurance policies include separate named storm deductibles — typically 2% to 5% of your dwelling coverage. For a home insured at $400,000 with a 3% hurricane deductible, you pay the first $12,000 of hurricane damage out of pocket. These percentage-based deductibles can be substantial, so understanding your policy before a storm is critical.
Flood insurance is essential in Tampa. Much of Tampa sits in FEMA flood zones — especially areas near Tampa Bay, the Hillsborough River, and coastal neighborhoods. Standard home insurance does NOT cover flood damage. With Tampa's storm surge risk and history of flooding, flood insurance isn't optional — it's necessary protection.
Replacement cost coverage: Tampa property values have surged in recent years. Make sure your home is insured for replacement cost (what it costs to rebuild today) rather than actual cash value (depreciated value). Underinsurance can leave you unable to afford rebuilding after a major loss.
Learn More About Home InsuranceAuto Insurance in Tampa
Tampa drivers face heavy traffic congestion, tourist drivers, and Florida's notoriously dangerous roads. Auto insurance is required by Florida law, but the state minimums — $10,000 in personal injury protection (PIP) and $10,000 in property damage liability — won't cover serious accidents.
Uninsured motorist coverage is critical. Florida has one of the highest rates of uninsured drivers in the country. If you're hit by an uninsured driver and don't have uninsured/underinsured motorist coverage, you could be stuck with medical bills and vehicle repairs yourself.
We recommend Tampa drivers carry at least $100,000/$300,000 in bodily injury liability, comprehensive and collision coverage for your vehicle, and uninsured motorist protection. Higher limits provide better protection for your assets and peace of mind on Tampa's busy roads.
Learn More About Auto InsuranceFlood Insurance in Tampa
Flood insurance is not optional in Tampa — it's essential. Tampa's coastal location, low elevation, and proximity to Tampa Bay and the Hillsborough River create widespread flood risk. Large portions of Tampa sit in FEMA-designated flood zones where mortgage lenders require flood insurance.
Even areas not in official flood zones can flood during tropical storms and hurricanes. Storm surge from a major hurricane could push water miles inland, causing catastrophic flooding. Remember: standard homeowners insurance does NOT cover flood damage — you need a separate flood policy.
Flood insurance is available through the National Flood Insurance Program (NFIP) or private flood carriers. Coverage includes your building structure and contents up to policy limits. Premiums vary based on your flood zone, elevation, and coverage amount. Given Tampa's extreme flood risk, this coverage is non-negotiable.
Learn More About Flood InsuranceBusiness Insurance in Tampa
Comprehensive commercial coverage for Tampa's diverse economy.
Tampa's economy spans healthcare, finance, shipping, logistics, construction, and tourism. The Port of Tampa is Florida's largest by tonnage, creating massive demand for trucking, warehousing, and logistics insurance. Tampa's healthcare sector (Tampa General Hospital, Moffitt Cancer Center, BayCare) requires malpractice and cyber coverage. The construction boom needs contractors with proper insurance to meet job site and licensing requirements.
Tampa Industries We Serve
- Construction & Contractors: HVAC, electrical, plumbing, general contracting, and trades. Tampa's growth creates high demand for properly insured contractors. General liability, workers comp, and commercial auto are essential.
- Trucking & Logistics: Port of Tampa drives massive trucking activity. Commercial auto, cargo insurance, and general liability protect your fleet and operations.
- Healthcare & Medical: Tampa is a major healthcare hub. Medical practices need professional liability (malpractice), cyber liability for HIPAA compliance, and general liability.
- Restaurant & Hospitality: Tampa's dining and tourism scene requires general liability, liquor liability, workers comp, and property coverage.
- Property Management: Managing Tampa Bay area rentals requires general liability, E&O coverage, and proper tenant insurance requirements.
Essential Business Coverage for Tampa
General Liability Insurance
Protects Tampa businesses from third-party claims for bodily injury, property damage, and advertising injury. Critical for contractors, restaurants, retailers, and service businesses. Most GCs and commercial leases require $1M/$2M coverage.
Workers Compensation
Florida requires workers comp for construction businesses with 1+ employees and most other businesses with 4+ employees. Covers medical expenses and lost wages for work-related injuries. Penalties for non-compliance exceed $1,000 per day.
Commercial Auto Insurance
Essential for Tampa businesses with company vehicles, fleets, or employees driving for work. Covers liability, collision, comprehensive, and uninsured motorist. Critical for contractors, delivery services, and trucking companies.
Tampa Insurance by Industry
Specialized coverage for Tampa's key business sectors.
Why Choose Greene & Associates for Tampa Insurance?
Gulf Coast Expertise
We understand Tampa's unique coastal risks — hurricane storm surge, flood zones, windstorm deductibles, and named storm coverage requirements for Gulf-facing properties.
Fast Quotes & Certificates
Tampa contractors and businesses need certificates fast for job sites and port contracts. We provide same-day COIs and competitive quotes.
20+ Carriers for Best Rates
Independent agency means we shop the market for you. Find the best coverage for your Tampa home or business from multiple top-rated carriers.
30+ years protecting Florida families and businesses. Lake City-based with deep expertise in Gulf Coast insurance markets. We understand Tampa's hurricane and flood risk, coastal property requirements, and port-related commercial exposures. When you call, you get a real person who knows your local insurance challenges.
Tampa Insurance FAQ
Is flood insurance required in Tampa?
If your Tampa home is in a FEMA-designated high-risk flood zone (Zone A or V) and you have a federally-backed mortgage, your lender will require you to carry flood insurance. However, even if it's not required, flood insurance is highly recommended for all Tampa homeowners. The city's coastal location, proximity to Tampa Bay and the Hillsborough River, and extreme hurricane storm surge risk make flooding a real threat. Over 25% of flood claims come from moderate-to-low risk areas, and standard homeowners insurance does NOT cover flood damage. Given Tampa's flood exposure, this coverage is essential protection.
What's the average home insurance cost in Tampa?
Tampa homeowners typically pay $2,500 to $5,000+ per year for home insurance — significantly higher than the national average due to Florida's extreme hurricane risk and Tampa's coastal exposure. Costs vary based on your home's value, age, construction type, proximity to water, and flood zone. Waterfront properties, older homes, and those with older roofs pay more. Hurricane deductibles (typically 2-5% of dwelling coverage) add to out-of-pocket costs during storms. The best way to get an accurate quote is to contact us for a personalized assessment.
What insurance do Tampa contractors need?
Tampa contractors typically need general liability insurance (usually $1M per occurrence / $2M aggregate), workers compensation insurance (required by Florida law for construction businesses with even 1 employee), and commercial auto insurance if you operate company vehicles. Most general contractors and property owners require proof of insurance (COIs) before allowing you on job sites. Hillsborough County contractor licensing may have specific insurance requirements. Contractors working on coastal or waterfront properties may face higher liability requirements. We can help you understand what coverage you need and provide fast COI turnaround for job sites.
Trusted Carriers We Represent
About Tampa, Florida
Tampa is Florida's third-largest city and a major Gulf Coast economic hub. Home to the Port of Tampa (the state's largest port by tonnage), a thriving healthcare sector, and a growing downtown, Tampa faces unique insurance challenges due to its coastal location and extreme hurricane exposure. The last major hurricane to directly hit Tampa Bay was in 1921, but experts warn the region is overdue for a catastrophic storm.
Get Your Free Tampa Insurance Quote
Protecting Tampa families and businesses with comprehensive coverage from 20+ carriers. Fast quotes, expert guidance, competitive rates.