Clearwater, FL Home Insurance - Analysis On Quotes, Rates & Agents
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.
Latest Home Insurance Reviews
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
I question if they will nickel and dime me if i ever need to make a claim.
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!
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.
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.
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.
State Farm customer service is a crapshoot and depends on the subject of the call. Getting through the auto-attendant is tough sometimes, especially after-hours. Then you have to go through several layers to get help. It's much easier to just call your agent and have them deal with it.
I do not think we really need to communicate much, so when we do, it is rather seamless and easy to do.
Seems about average from what I know. We have never really shopped around however and have always had good service from them.
Once again, our agent is very communicative with us and gives us detailed information as well as a bright outlook. We like the open door feel of being able to stop by and check on any policy changes or new discounts.
I really don't have anything that I dislike about the company so far. I have only had them for a couple of months and have never filed a claim so that may change in the future.
The service and communication seem great. I trust that if I ever do have a claim that it will be handled promptly and with superior service. So I rest easy knowing I am covered.
I am always interested in a lower premium. Other than that I have no complaints. Easy to deal with and coverage is decent.
I have not identified any negative aspects of the company that would lead me to dislike them. They have served my purposes effectively and efficiently.
They are very consolidated and maintain a good reputation
I have never had an unpleasant transaction with Progressive. Everything has always been on point and a friendly process.
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
|Place||Savings For Senior Occupied Homes|
|Clearwater||$174 to $176|
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
|Place||Home insurance as a % of housing cost for homes with mortgage||Home insurance as a % of housing cost for homes without mortgage|
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 Deductible||High Deductible|
|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|
|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 Farm||Travelers||Allstate|
|Home Details||2 Beds, 1 Baths||3 Beds, 1 Baths||4 Beds, 1 Baths|
|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|
|2000||240,000||Shingles Roof||3,060||4||> $10,000 Deductible||880||6||Fiber-Cement Siding||yes|
|1977||240,000||Tile Roof||2,220||4||> $10,000 Deductible||1180||8||Wood siding||yes|
|1968||110,000||Composition Roof||1,210||2||$2500-$5000 Deductible||1440||9||Brick siding||yes|
|1969||245,000||Tile Roof||2,540||4||$500 Deductible||780||2||Vinyl siding||yes|
|1982||305,000||Composition Roof||3,070||4||$500 Deductible||2550||5||Stone Siding||yes|
|1972||250,000||Slate Shingles Roof||3,100||4||$2500-$5000 Deductible||1530||5||Stucco siding||No|
|1972||115,000||Wood Shake Roof||1,090||2||$500- $1000 Deductible||1160||5||Fiber-Cement Siding||No|
|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|