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Gonzalez Insurance Agency has been protecting businesses for over 30 years.

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We are there when you need us, protecting the things that matter most. 


The coverage you need at a price that works for your budget. 

choose the right home insurance in Tampa

Homeowner's insurance can cover your house and other structures on the property, including garages and sheds, as well as personal belongings within the home. There are several options and customizations to meet your specific needs, from covering prized possessions inside the home to securing additional liability protection in case someone is injured on your property or sues you for damage to their property, 

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Why do I need homeowner’s insurance?

  • Home insurance protects one of your most important investments.
  • A homeowners insurance policy offers protection against accidents in your home or on your property.
  • Most mortgage lenders require homeowner’s insurance.

Who should carry homeowner’s insurance?

  • Home buyers
  • Current homeowners

What does a homeowners insurance policy cover?

Your policy is the best place to review your coverages, but a few common items covered by homeowner’s insurance are:

Property Damage

The majority of policies protect your house and any permanent structures from damage on your property due to:
  • Fire
  • Wind
  • Hail
  • Water (other than flood)

Personal Property

Protects personal possessions that were stolen or damaged such as:
  • Furniture
  • Appliances
  • Clothing
  • Dishes


Restricted protection for jewelry losses (generally $500 - $2,000). You may require enhanced coverage for things in your collection like:
  • Engagement rings
  • Wedding bands
  • Diamond bracelets

What else may be covered by homeowner’s insurance?

Personal Liability

Helps cover bodily injury or property damage to others caused by you or members of your family, including pets. Personal liability could also help with legal costs in the case of a lawsuit.

Medical Bills

Covers medical expenses for injuries to people who don't live with you but get injured on your property.

Additional Expenses

Coverage for extra costs you might have to pay when experiencing a covered loss. For example, fire makes your home uninhabitable and you need to temporarily live elsewhere.

Do I need flood insurance too?

Don't assume that your home is safe from flooding. The reality is that floods can happen anywhere, even outside of high-risk flood zones. Keep in mind that most homeowners insurance policies don't cover flood destruction, so flood insurance is essential. 

What is dwelling insurance?

Residence coverage is a valuable part of your homeowners or condo insurance policy. It helps you cover your dwelling structure and certain elements attached to it. You may need supplementary insurance to cover a separated garage or other structure on your property.

Are there ways I can help protect my home?

Preventive maintenance can save you a lot of time and money over the life of your home.  Hurricane shutters, roof upgrades, and other improvements can also protect your home from damage.

What is a deductible?

A deductible is a portion of costs that you are responsible for paying in the event of a covered loss. You pay costs up to your deductible level and your insurance would cover anything beyond that up to your protection limit. 


Since 1986, Gonzalez Insurance Agency has been serving policyholders – protecting businesses, mitigating losses, defending claims. 
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