Clearwater Insurance Rates:

Clearwater, FL homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
My state farm agent is always willing to make a house call if i'm in need of something. it makes things a lot easier on me
Gulfstream Property And Casualty Insurance Company
I question if they will nickel and dime me if i ever need to make a claim.
State Farm
State farm has done a great job of handling my roof claim after hurricane harvey. i called and put a claim in right away, and they took care of it quickly!
Farmer's Insurance
To be absolutely honest, I could care less about my insurance company's website or app. The only thing that I need it to do is to be easy to pay my bill. It is, so all the other stuff they may be offering does not excite me one bit.
Farmer's Insurance
What I like about my insurance company is that they will get things done. They get the appraisals, adjusters, and service contractors out to handle the claim, so I have nothing bad to say at all about the actual insurance company.
State Farm
I like that the website has my premium payments online to pay with the summary, but I feel the website is difficult to navigate to find the payment section.

Clearwater, FL Homeowners Insurance By Home Value

Clearwater, FL Home Value Total Homes % of Total Average Clearwater, FL 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

Top Home Insurance Agents Near Clearwater, FL

Home Insurance Company Near Clearwater, FL Homeowners Insurance Agency Near Clearwater, FL Address
NA Arne Carlson Insurance Agency, Inc. 1266 N Palm Ave, Sarasota, FL, 34236
NA Florida Insurance Advisors, Llc 451 Central Park Dr, Largo, FL, 33771
Allstate Erik Macmurray 1904 4th St N, Saint Petersburg, FL, 33704
Liberty Mutual Independent Insurance Resources Llc 6620 1ST AVE SOUTH, ST PETERSBURG, FL, 33707
Liberty Mutual Independent Willis Of Florida 4211 W BOY SCOUT BLVD CORPORATE CENTER II - INTERNATIONAL PLAZA, TAMPA, FL, 33607

Cost Of Homeowners Insurance By Street Near Clearwater, FL

Streets in Clearwater Area Homeowners Insurance Cost
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

Clearwater, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Clearwater$174 to $176
Belleair$193
Greenbriar$173
Belleair Bluffs$178

Clearwater, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Belleair town, Florida $193 $257 $386
Greenbriar CDP, Florida $173 $231 $347
Belleair Bluffs city, Florida $178 $237 $356

Clearwater, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Clearwater, FL6.4%18.6%
Belleair4.31%13.96%
Greenbriar6.6%25.0%
Belleair Bluffs6.45%17.68%

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

Average Cost Of Home Insurance By Company In Areas Nearby Clearwater For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Integrity Insurance $3,897
150,000 27 NO Florida Family Insurance $3,699
150,000 27 NO Florida Peninsula Insurance $2,704
150,000 27 YES Auto Club Insurance $2,245
150,000 27 YES Security First Insurance $1,151
150,000 27 YES Southern Fidelity Insurance $1,846
300,000 12 NA Federated National Insurance $2,512
300,000 12 NA Security First Insurance $2,380

Clearwater, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Clearwater Homeowner Insurance Premium Example $1,300$1,100
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $12,100$11,500
Net Savings to Clearwater Home Owner from High Deductible Plan $600

Clearwater, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Clearwater, FL Home Replacement Value MORE than Home Value Clearwater, FL Home Replacement Value LESS than Home Value
Replacement Value $181,000 $141,500
Insurance Premium based on Replacement Value $3,100 $2,425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $23,000 Risk Exposure from Under Insuring Coverage is $16,500
Premium Impact Insurance cheaper by $300/year Insurance costlier by $375/year

Example Clearwater Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmTravelersAllstate
Monthly Premium 114281201
Year Built 198119991969
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $75000-$100000$175000-$200000$250000-$300000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Clearwater, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1983 145,000 Slate Shingles Roof 1,280 2 $1000-$2500 Deductible 860 4 Vinyl siding No
1988 340,000 Shingles Roof 3,050 4 $1000-$2500 Deductible 3540 8 Stucco siding No
1976 175,000 Shingles Roof 2,000 4 $2500-$5000 Deductible 3130 12 Wood siding yes
1972 260,000 Membrane Roof 3,040 4 > $10,000 Deductible 860 3 Wood siding No
1966 105,000 Tile Roof 950 2 $500- $1000 Deductible 1090 7 Stone Siding yes
1990 95,000 Composition Roof 1,210 3 $2500-$5000 Deductible 760 7 Stone Siding yes
1962 95,000 Wood Shake Roof 1,260 2 $2500-$5000 Deductible 1130 10 Stucco siding yes
1987 275,000 Metal Roof 2,780 4 $1000-$2500 Deductible 1840 5 Stone Siding No
1966 140,000 Wood Shake Roof 1,320 3 $2500-$5000 Deductible 1670 9 Brick siding No
1965 155,000 Composition Roof 1,870 4 $500 Deductible 2070 7 Stone Siding yes
1971 145,000 Slate Shingles Roof 1,410 2 $2500-$5000 Deductible 800 4 Stucco siding yes
1974 185,000 Metal Roof 1,800 3 $500 Deductible 4330 12 Wood siding yes
1980 365,000 Composition Roof 1,300 2 $500 Deductible 1910 5 Fiber-Cement Siding yes