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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Clearwater, FL Discounts on HomeOwners Insurance

In Clearwater, FL homeowners pay an average home insurance rate of $1452. Homeowners in Clearwater can use discounts offered by different companies to reduce their rates further. To save money on your monthly payments homeowners can take advantage of discounts offered by some of the leading insurers in town like Nationwide and State Farm for a lower cost than what is currently being charged.

Home Insurance Discounts Based on Deductibles 


A newly constructed Clearwater home can enjoy $407 off on homeowners insurance. Houses are at their lowest propensity to damage when they're new, which is why companies offer attractive discounts for these homes as well. In contrast, older houses attract higher rates of repair and maintenance costs - a cost that's reflected in the price of your homeowner’s insurance premium and leads them to be charged an additional fee. For instance Clearwater homes older than 40 and 50 years receive an additional charge of $38 and $55, respectively, on home insurance.

Homeowners in Clearwater can get up to $29 off their insurance premiums by installing a swimming  pool. Installing self-latching and self-closing gates around the pool also benefits your insurance rates and insurance companies provide discounts for the same. Additionally, senior citizens receive discounts on home insurance rates so it is a perk  that a household has at least one person over 50 years old living there.Homeowners who don't smoke or live with smokers may be eligible for an additional discount from certain companies too.

Although most of the factors that determine discounts cannot be controlled by  homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Clearwater homeowners paying a high deductible of $2,500 can avail of a discount of $409.46 on homeowners insurance. Homeowners receive discounts of $342.96 and $230.29, respectively, on deductibles of $2,000 and $1,500.

Homeowners in Clearwater who have a claims-free history with their home insurance company can receive discounts on their premiums.Homeowners with prior claims can pay more for factors such as the number and type of claims. By providing a history of zero claim, homeowners save money on their premiums in Clearwater by $609.80 or $232.32respectively based on two fire damage incidents or water-damage incidents they have experienced previously.

Tips For Choosing The Best Clearwater, FL, Home Insurance Company

In Clearwater, Florida, homeowners pay an average home insurance rate of $1,452. This is marginally higher than the national average of $1,438. Below are some of the factors that Clearwater homeowners should keep in mind before choosing the home insurance company that best suits their coverage needs.


A.M. Best Rating

Financial strength is referred to as the capacity of an insurance company to grant claims of current policyholders. Clearwater homeowners are recommended to opt for home insurance companies with high financial strength ratings. A.M. Best rates home insurance companies based on their financial strength. Clearwater homeowners can use these ratings to identify home insurance companies with a high financial capacity.

J.D. Power Score

J.D. Power awards home insurance companies with a score based on the feedback collected from current policyholders. The customer satisfaction score of an insurance company is calculated using policy coverage, insurance rates, discounts, customer handling, and the speed at which a claim is processed. Clearwater homeowners can use the J.D. Power Score to choose insurance companies that ensure the satisfaction of policyholders.

Comparing Quotes

Home insurance companies use different parameters to calculate home insurance rates. Home insurance quotes differ from one insurance company to another. Clearwater homeowners should obtain quotes from multiple home insurance companies to choose the cheapest one. Homeowners should also consider the add-on policies offered by home insurance companies, in addition to the standard home insurance policy.

Deductibles vs. Insurance Rates

Clearwater homeowners can opt for high deductibles to reduce their home insurance rates. The deductibles and the corresponding reduction in home insurance rates differ from one home insurance company to another. Clearwater homeowners are advised to choose the home insurance company that offers the highest discount for their deductibles. For example, Clearwater homeowners opting for a deductible of $2,500 and $2,000 pay $1,042 and $1,109, respectively, on home insurance.

Claims Processing Speed

Home insurance companies should be swift in processing the claims of homeowners. Homeowners are generally given a time period of 10 to 30 days to file a claim in case of damages. Once submitted, home insurance companies take a maximum of 40 days to review the claim and accept or deny it. Clearwater homeowners are suggested to choose home insurance companies that have a simple and swift claims processing system.

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

Clearwater, FL Home Insurance Agents for Top Companies

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 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%
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
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
1986 105,000 Membrane Roof 960 2 $500- $1000 Deductible 700 6 Wood siding yes
1995 225,000 Metal Roof 2,160 3 $500- $1000 Deductible 2610 6 Stone Siding yes
1970 95,000 Membrane Roof 1,110 2 $1000-$2500 Deductible 710 6 Stone Siding No
1994 195,000 Shingles Roof 1,990 4 $1000-$2500 Deductible 3200 12 Wood siding yes
1987 120,000 Asphalt Shingles Roof 1,570 2 $500 Deductible 2030 12 Stone Siding yes
1984 135,000 Composition Roof 1,800 3 $500- $1000 Deductible 2130 9 Brick siding yes
1979 225,000 Asphalt Shingles Roof 2,270 4 $2500-$5000 Deductible 1170 6 Wood siding yes
2002 220,000 Slate Shingles Roof 2,870 4 $500- $1000 Deductible 3300 7 Stucco siding yes
2006 155,000 Composition Roof 1,400 3 $5000 to $10,000 Deductible 380 2 Fiber-Cement Siding yes
1991 320,000 Composition Roof 2,870 4 $5000 to $10,000 Deductible 1530 4 Wood siding No
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

Latest Home Insurance Reviews

I rate them a 5 I've had nothing but good experiences with them they've come out and give me roadside assistance multiple times and have worked with me when times got tough.
State Farm
I would say that the thing that drew me the most to my home insurance company is the fact that they would bundle it with my life insurance and car insurance.
The products they offer are offered by other insurance companies. I use them because of initial discounts due to the employer I worked with. Even after having them and having no problems with no problems.
Citizens Property Insurance
I recommend 100% this insurance company. This insurance company has very good coverage and always try to help customers. The customer service is very professional. In comparison with other insurance companies, I consider it the best
My premium and deductible are great. I enjoy not paying to much for either, they are very fair and even.
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.
State Farm
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.
State Farm
I do not think we really need to communicate much, so when we do, it is rather seamless and easy to do.
Assurant Specialty Property
The customer service was excellent and it was very easy to make changes to my policy. Confirmation and proof of the policy changes were sent immediately via email.
State Farm
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.
Citizens Property Insurance
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.
Westfield Insurance
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.
State Farm
I am always interested in a lower premium. Other than that I have no complaints. Easy to deal with and coverage is decent.
Liberty Mutual
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.
I would recommend this company for home insurance because of the great customer service they provide. Getting things done or questions answered is never a hassle and that is something I enjoy.
I would recommend it because it is a good insurance company, very responsible and reliable
Farmer's Insurance
We are currently getting bids to replace our current coverage strictly from the experience we had about a wind damage loss.
People's Trust Insurance
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.
I have been with them ever since I first started driving about 10 years ago and have very little if any complaints about their service
I like the fact that we can bundle home, auto, RV insurance all on one policy and pay ahead to receive a discount.
State Farm
Because of their responds to their clients, respect their clients , good customer support services, definitely i should recommending more peoples to state farm insurance company.

How To Make Your Clearwater, FL Home Insurance Cheaper

How Much Does Clearwater, FL Home Insurance Cost?