Clearwater Flood Insurance

In Clearwater, FL, there are 116,946 residents. You'll want adequate coverage if you own a commercial or residential property. Flood insurance can help you cover a specific exposure.

An independent insurance agent will have access to several markets so that you can pick and choose which policy is right for you. They work on your behalf at no cost to you. Connect with a local expert on TrustedChoice in minutes.

What Is Flood Insurance?

Flood insurance is necessary for coastal towns. Every property is at risk for flooding, no matter where you live. Clearwater, FL, and other cities with large bodies of water are especially at risk. To obtain the right protection, take a look at how flood insurance can help:

• Flood insurance: This type of property insurance covers a structure for losses due to a flood. This can be caused by snow melting, storm surges, heavy rainfall, storm drainage system failures, and even levee dam system failures.

What Does Flood Insurance Cover in Clearwater, FL?

Florida has 1,765 flood claims per year. If you live in Clearwater, your property could be at risk. Take a look at what your Clearwater, FL, flood policy will cover:

• Electrical and plumbing systems
• Portable and window air conditioners
• Furnaces and water heaters
• Appliances 
• Carpeting
• Built-ins
• Window treatments
• Valuable items
• Foundational elements 
• Detached garages
• Fuel tanks
• Well water tanks and pumps  
• Solar energy equipment
• Personal belongings

What Doesn't Flood Insurance Cover in Clearwater, FL?

If you own personal or commercial property, there are some exclusions. Every flood insurance policy will have a list of items it won't insure. First, knowing what a flood is in Clearwater, FL is essential:

• What is considered a flood: A flood is an excess of water on land that is usually dry. This typically is classified as affecting two or more acres of land or two or more properties. 

Losses that are generally excluded from your flood policy:

• Water/sewer back-ups
• Bust pipes
• Waterline malfunctions
• Roof leaks

Save on Flood Insurance

Our independent agents shop around to find you the best coverage.

Request a quote

How Much Is Flood Insurance in Clearwater, FL?

Your insurance costs will depend on various risk factors. Carriers look at personal data and outside elements when figuring your pricing. Items that may affect your Clearwater, FL, flood insurance are:

• The location of your property
• The flood zone of your property
• Whether the property is residential or commercial
• Your insurance score
• Your loss history
• Prior coverage history

FEMA regulates flood insurance. This is similar to workers' compensation coverage that is mandated by states. The cost depends on your zoning the most. 

How Much Is Flood Insurance in Zone AE?

Flood zones are assigned to every location. When you own a property, it's crucial to understand the risk of having a flood. Take a look at the difference in flood zone types in Clearwater, FL:

• Flood Zones B, C, and X: These are low to moderate flood risks and the premium is usually lower for a flood policy. Insurance is typically not a required by your lender for these zones.
• Flood Zones A and V: These zones are high-risk locations and have the most significant chance of a flood loss. Your premiums will be more expensive, and lenders require flood insurance.

The cost of flood insurance in Florida is on average $592 per year. If you're in an AE zone, you're likely to pay a lot more than that. FEMA uses elevation certificates and flood zone maps to set your rates.

How Much Flood Insurance Do I Need?

It will depend on what you own in Clearwater, FL, which will determine the amount of coverage necessary. FEMA uses set maximums for each flood insurance type. They are as follows:

• Flood insurance for your home: Flood carriers usually offer $250,000 for the building and $100,000 for the building contents.
• Flood insurance for your business: Flood carriers usually allow $500,000 for the building and $500,000 for the building contents.
• Flood insurance as a renter: Flood carriers typically offer $100,000 for contents-only coverage. 

How an Independent Insurance Agent Can Help

In Clearwater, FL, your property protection is a big deal. You may be missing vital coverages and not even know it. Flood insurance can help fill the gap.

An independent insurance agent has access to FEMA-approved carriers so that you get accurate and sufficient coverage. They work on your behalf for free. Connect with a local expert on TrustedChoice in minutes.