About Hillsborough Home & Insurance Hub

Hillsborough Home & Insurance Hub is an independent informational website built for homeowners, buyers, and renters in Hillsborough County, Florida. We publish plain-English guides on home insurance, hurricane preparedness, flood zones, roof rules, property taxes, and the local market conditions that shape the cost of owning a home in Tampa Bay.

Why We Built This Site

Florida's home insurance market has been through a decade of turmoil. Premiums tripled for many homeowners between 2019 and 2024. Multiple carriers went insolvent. Thousands of properties were non-renewed. And through it all, the information available to homeowners was either buried in insurance-company marketing pages or written in language only an adjuster could understand.

We built this site to fill that gap. Every guide is written for a homeowner, not an insurance professional. We explain what things cost, what drives the numbers up or down, what your policy actually covers, and what steps you can take to protect yourself and lower your bills. We don't sell insurance, we don't work for a carrier, and we don't have a referral relationship with any of the companies we mention.

How We Research and Write

Every article on this site draws from publicly available sources:

  • Florida Statutes and Office of Insurance Regulation filings
  • FEMA flood maps and NFIP rate data
  • Hillsborough County Property Appraiser and Tax Collector publications
  • Hillsborough County Office of Emergency Management guidance
  • Published rate filings and carrier press releases
  • Industry reports from Fitch, AM Best, and the Insurance Information Institute
  • Local news coverage from the Tampa Bay Times and public broadcasters

We update our guides regularly, and the year stamps on our articles are updated automatically so the site reflects the current year even before we complete our annual content refresh.

What We Don't Do

  • We don't sell insurance. We are not a licensed agency and we do not receive commissions from carriers.
  • We don't provide legal, financial, or insurance advice. Our content is informational only. For decisions about your specific property, consult a licensed professional.
  • We don't accept paid placements. If we mention a carrier, it's because they write policies in Hillsborough County — not because they paid us.
  • We don't collect personal information beyond what's needed to respond to emails and serve ads.

How We're Funded

This site is supported by advertising, primarily through Google AdSense. Ads are served automatically based on the content of each page. We do not control which specific ads appear, and the presence of an ad is not an endorsement of the advertiser or their product.

We also accept direct inquiries from local businesses interested in advertising. Those inquiries are handled separately from editorial content, and no advertiser has any influence over what we publish.

Editorial Independence

Our editorial decisions are made independently of our advertising relationships. If a carrier offers poor value, we say so. If a law is confusing, we explain why. If the state's data shows something homeowners won't like, we report it.

Get in Touch

If you spot an error, have a question about a guide, or want to suggest a topic, please contact us. We read every email and correct mistakes promptly.

Last updated: 2026