Clearwater Home Insurance

Find the right homeowners insurance policy for you. Author Icon Written by Trusted Choice Author Icon
Written by Trusted Choice

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Beautiful view of swimming pool at sunset

Clearwater is one of Florida's top destination choices for tourists, but it's also a wonderful place to live full time. Located just west of Tampa, Clearwater offers all of the amenities of a big city, with a slower pace of life and a quaint small-town feel. If you choose to put down roots in this beautiful Florida community, make sure you are covered with comprehensive Clearwater home insurance. Our Independent Insurance Agents routinely work with homeowners in Clearwater to find affordable options for comprehensive homeowners insurance that can protect against the unique challenges of living in Florida's coastal environment.

  • National yearly premium average: $1,211
  • Florida yearly premium average: $1,951
  • 2nd most expensive premium in the US

Home insurance premiums are higher than average in Florida, but that doesn't mean affordable coverage is out of reach. Our experienced agents can help you navigate all the factors that are used to determine your premium. The size and age of your home, the location of your property, and your recent claims history will all be used to determine the actual cost of your homeowners insurance in Clearwater. 

Number of Thefts in Florida

  • National number of burglaries per 1,000 people: 3.76
  • Florida number of burglaries: 3.38

Clearwater is generally a safe place to live and work, but occasional break-ins do happen. If your home is targeted in a burglary, you will want to have a reliable homeowners insurance policy in place to pay for property damage and the replacement of any valuables that were stolen. 


Save on Home Insurance

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

Number of Disasters in Florida

  • Number of disasters in Florida since 1953: 138
  • Number of tornadoes in Florida: 66
  • Amount of property damage in Florida: $210,240,000
  • 1 in 15 insured homes has a claim each year

Florida's beautiful weather attracts thousands of snowbirds each winter, but the state isn't immune to natural disasters. Since it borders on the Gulf Coast, The Sunshine State is a prime target for tropical storms and occasional hurricanes. Every homeowner in Florida should be prepared for weather emergencies with comprehensive home insurance to cover the cost of repairs.

What Are the Risks in Clearwater?

Homeowners in Clearwater are most concerned with the risk of hurricanes and flooding. While lightning, hail, and wildfires aren't outside the realm of possibility, hurricanes and flooding cause far more damage each year. Living in a coastal environment brings some unique challenges for homeowners, but our friendly agents can guide you toward the right Clearwater home insurance policies to cover any potential disasters. 

Compare Clearwater Home Insurance Quotes

As you shop for your Clearwater homeowners insurance, take time to compare quotes on multiple policies to find one that is right for you. Our experienced independent insurance agents will take time to explain all of your coverage options and help you decipher which plan is best for your location and the size and age of your home. 

Contact an agent today to learn more about your coverage options for Clearwater homeowners insurance. 

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