Tampa Hurricane Insurance

Your Complete Guide to Tampa, FL Hurricane Insurance

Find the right hurricane insurance policy for you.


Located along the Gulf of Mexico, Tampa is a hotbed of hurricane activity. Residents of this city will want to be sure that the insurance coverage they currently have will provide them with adequate compensation when these destructive storms hit. Our Independent Insurance Agents are ready to help you review your hurricane insurance coverage. To learn more about hurricane insurance, contact an independent insurance agent with an office in or near Tampa.

What Is Hurricane Insurance?

Hurricane insurance is not something you buy on its own; rather, it's attached to other policies, either as part of the standard coverage or as an add-on endorsement. When hurricanes strike, they can damage homes, vehicles, businesses, and other property. You will want to make sure that hurricane coverage is included in all the property coverage you currently have. You will also want to be sure that other disasters associated with hurricanes, such as flooding and power outages, are also included in your coverage. 

Independent agents can help you review your current policies to ensure that you have coverage against hurricanes. They may even be able to make recommendations for ways you can get more comprehensive coverage or save money. Talk to a local insurance agent to learn more.

Facts about Hurricanes in Tampa, FL

  • Tampa has been hit by at least 72 hurricanes since 1871.
  • This city ranks #14 in the list of cities in the US, Mexico, and the Caribbean with the most hurricane strikes. 
  • On average, Tampa city experiences a hurricane every 2.03 years.

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Does Hurricane Insurance Cover Your Tampa Home?

If a hurricane blows through Tampa, your home is likely to sustain some damage. You will want to be sure that you have the right coverage in place to compensate you. Your homeowners insurance may or may not include hurricane coverage. If it does not, you will need to add it with a special endorsement or consider purchasing a different policy if you want to have the right coverage. Specifically, you will want to be sure that you are covered against:

Wind damage

Even if your home is just on the periphery of a hurricane, your property can be damaged by heavy winds. These winds can rip shingles from roofs, cause trees to fall onto properties such as your house or shed, and cause long-lasting power outages that may cause perishable foods to go bad and could even result in sump pumps failing to work. With some policies, you may need to purchase a special endorsement to cover windstorms and hurricanes, so be sure you know what coverage you have.

Water damage

If your roof is damaged or a window is blown in, heavy rains can enter your home and cause significant damage to your property. In this instance, your home, condo, or renters insurance is likely to provide you with compensation. However, if your property is damaged by rising waters, a common hazard during and after a hurricane, this damage is not covered. You will need to supplement your home coverage with flood insurance. A local independent agent can help you get a policy through the National Flood Insurance Program (NFIP), which is backed by the government.

Uninhabitable home

If the hurricane damage to your home is severe, you may need to obtain temporary housing while repairs are made. Your home insurance policy can cover the cost of a hotel, meals, and other associated expenses if your home is deemed temporarily uninhabitable.


Save on Hurricane Insurance

Our independent agents shop around to find you the best coverage.

Is Your Vehicle Covered against Hurricane Damage?

Covering your vehicle against hurricane damage is as easy as ensuring that your car insurance policy includes comprehensive insurance. If you're still paying for your vehicle or you're leasing it, chances are good that you have this coverage already, since lenders and dealerships will typically require it in these cases. Comprehensive insurance can compensate you for damage to your vehicle, so long as it's not collision-related. So if your car is swept up in rising waters, never to be seen again, at least you know you can be compensated for its actual value. 

Protect Your Tampa Business with Suitable Hurricane Insurance

Business owners in Tampa can get coverage against hurricane damage by carrying both business insurance and commercial flood insurance. Together, these policies provide coverage against:

Wind-damaged property

If heavy winds damage your business-owned property, the commercial property coverage in your business insurance plan can provide you with compensation. Sometimes, wind or hurricane damage requires you to purchase a special endorsement, especially if you have outdoor signs, large glass windows, or property that's stored outdoors. Talk to your agent to learn more.

Flood-damaged property

It is rare for a business insurance policy to include coverage against rising waters. Fortunately, the NFIP does offer commercial flood insurance policies. While the coverage limits on this insurance may be somewhat limited, it can be quite beneficial to have year-round, not just during hurricane season.

Loss of income due to closure

Hurricane damage can be wide-ranging, and whether or not your business sustains serious damage, it may be forced to close for an extended period. This is particularly true if long power outages and damaged roadways are in play. If your business faces a temporary closure due to a covered event, business interruption insurance can provide the income needed to keep paying bills and expenses. Talk to an independent agent who specializes in business insurance coverage to learn more.

Why Work with an Independent Agent in Tampa, FL?

Independent insurance agents work for you, not for a specific insurance company. These insurance professionals live and work in your community, so they understand the various risks that hurricanes pose in Tampa. Let one of these agents help you review all of your current policies to ensure that you don't have any coverage gaps and that you're paying a reasonable price for your coverage.

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