Clearwater Insurance Rates:

Clearwater, FL home insurance is nearly $989 to $1,339, about $82-$111/month. Our all inclusive research indicates shoppers can save as much as $465 by comparing multiple quotes

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Read Clearwater, Florida Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Clearwater Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $760/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

3 Beds, 3 Baths 1210 sqft Primary Residence Constructed In 1990 with Stone Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1130/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

2 Beds, 2 Bath 1260 sqft Vacation Property Constructed In 1962 with Stone Flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1840/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Baths 2780 sqft Vacation Property Constructed In 1987 with Carpet over wood flooring, Metal Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Swimming Pool, Deadbolt Locks, Fireplace, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $1670/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 1320 sqft Primary Residence Constructed In 1966 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2070/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Bath 1870 sqft Vacation Property Constructed In 1965 with Carpet over wood flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Divorced Female who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $800/4 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

2 Beds, 2 Bath 1410 sqft Vacation Property Constructed In 1971 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, Fireplace, Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $4330/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Baths 1800 sqft Rental Property Constructed In 1974 with Wood Flooring, Metal Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $1910/5 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $365,000

2 Beds, 2 Baths 1300 sqft Primary Residence Constructed In 1980 with Stone Flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Single Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Clearwater, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
33762 $197,700 $1,200
33761 $173,100 $1,190
33756 $163,900 $1,190
33764 $153,600 $1,170
33759 $148,500 $1,170
33755 $142,200 $1,160
33765 $141,400 $1,170
33760 $128,900 $1,150
33763 $110,200 $1,140

Clearwater Rates & Quotes Analysis:

Clearwater Area Estimated House Insurance
132nd Ave N, Monterey Dr, Beverly Ave NW, Seacrest Dr, St Andrews Dr, Peppertree Ln, Thames St, Santiago Way S, 14th St SW, Nursery Rd$1,181
11th St NW, Colfax St, University Ct, Joel Ln, Sabal Springs Dr, Red Maple Dr, Geneva Dr N, Northside Dr, Fairmont Ave, N Betty Ln$1,167
Princeton Dr, Hillcrest Dr, 18th Ave SW, Dogwood Dr, Persia Rd, Audubon Dr, Meadowcross Dr, Sovereign Dr, Franklin St, Washington Ave S$1,127
128th Ln N, Manor Blvd N, Eldon Dr, Meadow Ln, Pindo Palm St W, Brady Dr, Dickenson Dr, Kenilwick Dr S, Anthony Ave, Fulton Dr$1,145
Alma Ave, Spring Ct, Cottonwood Ct, 18th Ave SW, 101st St SE, Bayway Ave, Golden Gate Dr, Cordoba Dr, Redwood Dr, Friendship Ct$1,167
Eagles Landing Cir W, Grovewood Dr, Chaparral Way, Cross Creek Way, Davies Ave, Skyloch Dr E, Seton Dr, S Lady Mary Dr, 13th Ave NW, 11th Cir SE$1,155
Farrier Trl, Orchid Dr, Faulds Rd E, Indian Rocks Rd S, Grant St, Helm St, NE Webley Dr, Gloria Ct, Imperial Dr, Cottagewood Dr$1,190
Country Club Ln, Preserve Way, Mockingbird Ln, Oakleaf Ln, Pasadena Dr, Social Cir W, Lincoln Ave, Eastfield Dr, Forest Pkwy N, Cambridge Ct$1,178
123rd Pl N, McCauley Rd, Hill Dr, Indiana Ave, Neva Dr SW, E Overbrook St, Maple Leaf Dr, Levy Ct, Augusta Dr N, Skyview Ave$1,247
Coronet Ln, Royale Blvd, Butternut Cir W, West Ave, Windrush Blvd, Kenmoore Dr, S Kenneth Pl, Oak Creek Dr, 90th Ln N, Beaver Dr$1,192

Insurance rates are influenced by a number of factors including:

  • Year Built: 27,644 Homes (15% of total) built between 1960 to 1969 in Clearwater are paying home insurance between $2,039-$2,057 compared to Belleair (+$217), Belleair Bluffs (+$42), Belleair Beach (+$428), Greenbriar (-$12) and Largo (-$56).
  • Bedrooms: 45,015 3 bedrooms homes (25% of total homes ) in Clearwater are paying about $862. Areas near to Clearwater such as Belleair, Belleair Bluffs, Belleair Beach are costlier by $92, $18, $180 respectively whereas Greenbriar and Largo are more economical by $5, $24 respectively for similar homes.
  • Auto Insurance Bundling: 35,964 Households (37% of all households) in Clearwater have 2 vehicles available and when it is bundled with home insurance you can save $232 in contrast with Belleair ($257), Greenbriar ($231), Belleair Bluffs ($237).
  • Senior Discounts: 60,929 seniors (more than 55 years) occupied housing units (64% of total) in Clearwater get discounts between $174 to $176. The comparative concessions in proximate regions such as Belleair, Greenbriar and Belleair Bluffs are $193, $173 and $178 respectively.
  • New Homes discounts: New homes such as the 45,559 homes built between 2000 to 2009 in Clearwater can save $232 and differs from Belleair ($257), Greenbriar ($231), Belleair Bluffs ($237).

Clearwater Homeowners insurance Facts

  • Clearwater, FL has 94,958 owner occupied houses which is 67.3% of all units whereas Belleair, Greenbriar and Belleair Bluffs have 86.49%, 84.61% and 63.92% respectively.
  • Clearwater, FL homeowners yearly insurance price at $1,164 is 0.75% of the typical house value of $154,200 which is in contrast with 0.36% in Belleair, 0.8% at Greenbriar & 0.61% in Belleair Bluffs.
  • Homeowners in Clearwater, FL pay 2.12% of their income ($50,000 to $59,999) in insurance whereas homeowners in Belleair, Greenbriar and Belleair Bluffs pay 2.34%, 2.11% and 2.16% respectively.
  • Clearwater, FL’s insurance is 6.4% of monthly housing costs of $1,509/month, for owners with a mortgage compared to 4.31% in Belleair, 6.6% at Greenbriar & 6.45% in Belleair Bluffs. But, for households without a mortgage, insurance is 18.6% of costs ($523 in Clearwater, FL) in contrast with 13.96% in Belleair, 25.0% at Greenbriar & 17.68% in Belleair Bluffs.

Clearwater, FL Home Values & Insurance rates

For example, insurance for 3,008 Homes (3.0% of total homes ) valued between $90,000 to $99,999 in Clearwater, FL is about $710. Rates in nearby areas in such as Belleair, Belleair Beach, Dunedin are cheaper by $376, $485, $65 respectively while Greenbriar and Largo are costlier by $42 and $342 respectively for similar homes.

Clearwater, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 13,482 15.0% $186
$50,000 to $59,999 2,358 2.0% $395
$60,000 to $69,999 3,198 3.0% $488
$70,000 to $79,999 3,735 4.0% $558
$80,000 to $89,999 4,086 4.0% $640
$90,000 to $99,999 3,008 3.0% $710
$100,000 to $124,999 8,976 10.0% $826
$125,000 to $149,999 7,060 8.0% $1035
$150,000 to $174,999 9,437 10.0% $1222
$175,000 to $199,999 6,902 7.0% $1408
$200,000 to $249,999 10,935 12.0% $1699
$250,000 to $299,999 6,161 7.0% $2071
$300,000 to $399,999 7,144 8.0% $2630

Renters Insurance in Clearwater

  • Average Renters Insurance in Clearwater :  $156($13/month)

  • Median Gross Rent in Clearwater :  $941

  • Clearwater Renters Insurance to Median Rent Ratio:  1.38%

  • Renter occupied housing units in Clearwater :  46,246

Clearwater Renters Insurance as a Percentage of Rent

Clearwater Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 1,186 2.0% $1239
$500 to $749 9,131 20.0% $1914
$750 to $999 14,856 33.0% $2664
$1,000 to $1,499 13,917 31.0% $3789
$1,500 or more 5,007 11.0% $5439

Protective device discount in Clearwater Up to :  $23

Claims-free discount in Clearwater Up to :  $31