Clearwater ,FL Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Clearwater, FL homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Clearwater, FL is $1957. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Clearwater, FL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Clearwater, FL.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $783 |
| $200,000 | $1,331 |
| $300,000 | $1,644 |
| $400,000 | $2,505 |
| $500,000 | $3,151 |
Home insurance costs in Clearwater can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 033762 | $1,878 |
| 33761 | $1,846 |
| 33756 | $1,866 |
| 33764 | $1,869 |
| 33759 | $1,850 |
| 33755 | $1,852 |
| 33765 | $1,859 |
| 33760 | $1,811 |
| 33763 | $1,807 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Clearwater, FL, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,007 |
| $1000 Deductible | $1,795 |
| $1500 Deductible | $1,693 |
| $2500 Deductible | $1,526 |
| $5000 Deductible | $1,292 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Clearwater, FL | 6.4% | 18.6% |
| Belleair | 4.31% | 13.96% |
| Greenbriar | 6.6% | 25.0% |
| Belleair Bluffs | 6.45% | 17.68% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Clearwater | $174 to $176 |
| Belleair | $193 |
| Greenbriar | $173 |
| Belleair Bluffs | $178 |
| Home value ($) | 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 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | State Farm | Travelers | Allstate |
| Monthly Premium | 114 | 281 | 201 |
| Year Built | 1981 | 1999 | 1969 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 4 Beds, 1 Baths |
| Coverage Amount | $75000-$100000 | $175000-$200000 | $250000-$300000 |
| Deductible | $1000-$2500 Deductible | $2500-$5000 Deductible | > $10,000 Deductible |