Homeowners Insurance in Riverview, Florida
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- Homeowners Insurance in Riverview, Florida
Nestled to the east of Tampa, St. Petersburg and Bradenton and surrounded by nature preserves and water, Riverview is close to big cities while maintaining a quieter atmosphere.
Homeowners insurance is essential throughout Florida, including in Riverview. Let’s take a look at average costs, where to find the best agency and much more you need to know if you own a housein the city.
Average Cost of Home Insurance in Riverview, Florida
Due to its proximity to Tampa and location in Hillsborough County, the average cost of home insurance in Riverview, Florida, is $2,700 annually. When compared to Florida’s averages rate of about $2.924, that’s not too bad.
While Florida homeowners have seen dramatic increases in their premiums over the last few years, several insurers have announced 0% increases in the state for 2024. While this should be good news for all homeowners, some may already face unaffordable rates.
But average prices are just that — averages. A lot goes into the pricing of policies, including your coverage amounts, deductibles and which insurance company you choose.Here’s a breakdown of average premiums from some of the state’s top insurers for Riverview home insurance.
Average Annual Premiums for Home Insurance in Riverview by Company | |
Company | Average Premium |
Citizens | $2,171 |
Southern Oak | $2,370 |
American Platinum | $2,760 |
Swyfft | $2,796 |
Florida Peninsula | $2,817 |
People’s Trust | $2,907 |
Average | $2,700 |

We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
When accounting for the average cost of home insurance premiums, there’s a lot more that goes into pricing than just the aforementioned factors. In Florida, the biggest determinant is whether or not your house has features in place to mitigate wind damage.
In 2001, the state’s building codes changed. Legislation was put in place to ensure home builders were properly accounting for hurricane and tropical storm winds and building homes that could withstand both. Of course, the legislation didn’t have any mention requiring homeowners living in pre-2001 construction houses to enact these changes.
But it did require insurers to offer steep discounts to homeowners who willingly went out and made these changes. After all, making these changes protects houses better against high winds.
What this means is that homeowners in homes built about 20 years ago that aren’t fortified to withstand strong winds may have higher premiums. However, if these homeowners install wind mitigation features, like a hip roof or impact-resistant windows, they may be up for a discount from their insurer.
Similarly, homeowners in homes that were built within the last 20-or-so years may enjoy lower premiums right off the bat. Since their homes were built up to the latest standards and have those wind mitigation features built in, insurers may offer the cheapest rates to those in newly-built homes.
The Best Riverview Home Insurance Agency
If you’re looking for the best Riverview home insurance agency, you’ve already found it! At Clovered, we partner with the city’s top insurers to ensure you always get the best policy at the best prices. Whether you want a policy from Citizens, Swyfft, American Platinum, People’s Trust, or an array of others, look no further than Clovered.
Simply enter a few details about your home into our online quoting engine and then we’ll run some risk data in the background, determine how much coverage you need and then provide a policy that fits your needs and your budget.
What’s even better is that it only takes a few minutes to complete a quote, and you can do it from the comfort of your own home — or on your cell phone. If you want to speak to a real person, we’ve got that too.
Clovered is located at the intersection of technology and real people, so we have a team of sales and service agents ready to answer any questions you may have about the process — or simply to provide comfort in the fact that you’re making a big purchase and assure that this is the right decision.
One thing to note about Citizens, though, is that it operates as a non-profit insurer for those who struggle to find affordable premiums on the standard market. Even still, Citizens is facing some rate hikes effective in 2025, with Hillsborough County looking at about a 12% increase in premiums.

We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
What Does Homeowners Insurance in Riverview, Florida Cover?
From unexpected perils involving mother nature like hurricanes and tornadoes to mostly human-caused perils like fires, burglary and water damage, your homeowners insurance in Riverview, Florida covers your house and personal belongings while giving you the utmost peace of mind.
- Dwelling Coverage
Dwelling coverage helps you cover the components that make up your home’s structure from damage caused by a covered peril. This may include your foundation, roof, fireplace, windows, and much more. It’s sometimes called Coverage A.
- Other Structures Coverage
Other structures coverage protects the elements of your property that aren’t attached to your main home should a covered peril damage them. These elements may include structures like a fence, shed, carport, detached garage, or pool. It may also be referred to as Coverage B.
- Personal Property Coverage
Personal property coverage helps guard all the items you store on your property, should a covered peril damage them. This may include items like your porch furniture, appliances, or your closet full of designer shoes. It’s also known as Coverage C.
- Loss of Use Coverage
Loss of use coverage may help you cover the expenses you incur if your home becomes unlivable due to damage from a covered peril. It may help you pay for necessities like lodging, groceries, or gas. It may sometimes be called Coverage D.
- Personal Liability Coverage
Personal liability coverage may help you if you’re found liable for a guest’s injuries on your property or for damage to someone else’s property. You may be able to use this coverage for legal fees or medical expenses. It can also be called Coverage E.
- Medical Payments Coverage
Medical payments coverage may be used to cover medical expenses if a guest suffers minor injuries on your property. It’s sometimes known as Coverage F.
Need to Knows About Flood Insurance in Riverview, Florida
One of the most common misconceptions about flooding is that you’re covered if you have a home insurance policy. Unfortunately, that’s not the case. Home insurance only provides protection for certain instances of water damage, but flooding isn’t included on that list.
To be covered for floods, you need to have a separate flood insurance policy in place. The good thing is that getting flood insurance is quick, easy and costs just a fraction of the price of homeowners insurance.
Since much of Riverview is located in some form of FEMA-designated flood zone, meaning there’s a high chance of experiencing flood damage at least once during the life of a 30-year mortgage, nearly every resident in the city needs it and everyone should have it.
While flood insurance isn’t required by law, there’s a good chance your mortgage lender will require you to keep sufficient flood insurance at all times while you still owe money on your home.
Considering just 1 inch of floodwater can cause up to $25,000 worth of damage and a policy may only cost you $300 to $600 per year, that’s a small price to pay for protection and peace of mind.

Do you want to pay for costly and common flood damage yourself or have an insurance policy pick up the tab?
How to Find the Best Prices for Home Insurance in Riverview, Florida
As we mentioned earlier, we’re one of the top home insurance agencies in Riverview and we partner with the city’s and state’s top insurers so we can provide everyone a sufficient policy at an affordable price.
Simply enter a few details about your home in our online quoting engine and we’ll do the rest to get you a policy in just a few minutes. You can also reach one of our licensed agents or service members Monday through Friday from 8:30 a.m. to 6 p.m by calling 833-255-4117 or email them anytime at agent@clovered.com.

We partner with the nation's top homeowners insurance companies so you can get a custom policy at an affordable price.
The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.