The top-rated condo insurance agent in Clearwater, Florida is Florida Strategic Insurance, rated 4.9 stars across 575 reviews. Other highly rated options include Acceptance Insurance, Freeway Insurance, Achieva Insurance Agency. This directory lists 21 condo insurance agents serving Clearwater.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Florida Strategic Insurance | 5830 142nd Ave N | (727) 546-6000 |
| 2 | Acceptance Insurance | 1670 S Missouri Ave | (727) 203-7021 |
| 3 | Freeway Insurance | 1993 Drew St | (727) 203-7001 |
| 4 | Achieva Insurance Agency | 4590 Ulmerton Rd Suite 208 | (888) 351-4672 |
| 5 | GreatFlorida Insurance: Jeff Callahan | 1700 McMullen Booth Rd Ste D2 | (727) 315-0805 |
| 6 | Island Insurance Specialists Inc | 29170 US Hwy 19 N | (727) 754-5036 |
| 7 | Bay Area Insurance Shop, Inc. | 1452 Court St | (727) 446-4416 |
| 8 | The Turner Insurance Advisor Group aka Turner Insurance | 2121 NE Coachman Rd | (727) 442-0012 |
| 9 | Arrington Insurance of Florida | 1934 Soule Rd | (727) 595-8405 |
| 10 | Gotta Havit Auto Insurance | 918 S Missouri Ave | (727) 446-7735 |
Florida Strategic Insurance serves the Clearwater, Florida area as a condo insurance agent. They help unit owners navigate the specific coverage needs required by local homeowners associations and condominium bylaws. Their work focuses on protecting interior fixtures, personal property, and liability exposures unique to shared-wall living in this coastal region. The agency also assists clients in understanding the gap between master policy coverage and personal responsibility. Services include tailoring HO-6 policies and advising on flood insurance solutions for Clearwater condominium residents.
Acceptance Insurance provides residential condominium insurance solutions to property owners in Clearwater, Florida, as well as commercial coverage for association complexes and shared building structures. Serving the broader Tampa Bay area, the agency helps condominium unit owners protect personal assets and interior upgrades against common local weather risks. By focusing on policy clarity and efficient claims support, this Clearwater-based office remains a consistent resource for ongoing coverage adjustments and renewal assistance between regular visits.
Freeway Insurance in Clearwater, Florida, is known for providing tailored insurance solutions for condo owners in the surrounding area. The agency routinely structures policies to cover interior fixtures, personal belongings, and loss assessments from the condo association. It works with clients through each policy term, helping align coverage with changing local building regulation requirements or personal asset changes. It can add on coverage for flood damage or additional protection for high-value items such as jewelry or fine art.
Achieva Insurance Agency provides a full range of condo insurance services tailored to individual policy needs, including proactive policy reviews and personalized coverage adjustments. It delivers comprehensive client support through dedicated account management and annual plan evaluations to maintain proper protection levels. The agency serves various property types in Clearwater, Florida, including single-family homes, apartments, retail locations, and restaurants.
GreatFlorida Insurance: Jeff Callahan serves condo unit owners, homeowners, and property managers in the Clearwater, FL area with tailored insurance coverage solutions. The agency helps clients navigate the specific requirements of HOA master policies and personal unit protection, ensuring appropriate liability and contents coverage. Policies are designed to fill gaps often left by broader building insurance plans, addressing hurricane exposure, flood risks, and personal property losses common to coastal Florida condominiums. In addition to Clearwater, the agency also provides its services to clients throughout the nearby communities of Largo and Belleair Bluffs.
Island Insurance Specialists Inc serves Clearwater, Florida, and the surrounding communities, specializing in condo insurance policies. The company handles coverage for individual unit owners and association needs, addressing liabilities and property protection. To handle a typical job, the agency first reviews the specific policy requirements of the condo complex, then tailors coverage options to match the homeowner’s circumstance while ensuring compliance with local association bylaws.
Bay Area Insurance Shop, Inc. offers tailored condo insurance policies that address the specific needs of unit owners in Clearwater, Florida. It works closely with clients to explain coverage for interior structures, personal property, and liability, then helps select a plan that aligns with individual building requirements. The company guides policyholders through local regulations and typical association master policy details. When hurricane season approaches, it assists with reviewing windstorm deductibles and ensuring adequate flood protection, providing clarity on what each policy truly covers.
For clients in Clearwater, Turner Insurance Advisor Group, also known as Turner Insurance, differentiates between one-time policy purchases and recurring service plans tailored for ongoing coverage. Their work as a condo insurance agent involves helping owners protect their unit from common perils in this coastal area. Coverage focuses on interior structures, personal property, and liability exposures specific to condominium associations. Appointments can be arranged for a single policy setup or on a recurring, as-needed basis to adjust coverage after life changes.
Arrington Insurance of Florida provides comprehensive coverage options tailored to the unique needs of Clearwater condominium owners. They begin with standard protection for individual units and personal belongings, routinely extending policies to include critical gap coverage for shared structures and association master deductibles. Additional offerings may address water damage, loss assessment liabilities, and theft. Their policies serve residential condos, mixed-use buildings with ground-floor offices, warehouse operations, and food service establishments located within condo complexes.
With hurricane season approaching in Clearwater, many condo owners review their insurance coverage against storm damage and liability. Gotta Havit Auto Insurance helps residents navigate the specific condo insurance requirements common in this coastal community. The agency explains how master policies interact with individual unit coverage and assesses flood risks particular to Clearwater properties. Their process typically begins by scheduling an inspection to document the unit’s current condition and identify any exposure gaps before offering coverage options tailored to the building’s age and location.
What Does a a Condo Insurance Agent in Clearwater Cost?
Typical condo insurance costs in Florida range from 300 to 800 dollars per year for an HO6 policy, though this can be higher for units in high-risk flood or wind areas. Factors like coverage limits, deductible amounts, and the age of the building affect the premium. This is general information, not insurance advice.
About condo insurance agents in Clearwater
Condo insurance agents in Clearwater help owners secure HO6 policies that cover personal property and interior walls. Florida law requires condo associations to insure the building structure, but individual unit owners need their own policy for upgrades and liability. Local agents understand Clearwater flood zones and windstorm coverage needs.
Frequently Asked Questions
What does a condo insurance agent in Clearwater do?
A condo insurance agent helps you find an HO6 policy that covers your personal belongings, interior improvements, and liability. They also explain how your policy coordinates with the condo associations master insurance policy.
Do I need flood insurance for my Clearwater condo?
Flood insurance is not required by Florida law for condos, but it is often required by lenders if your unit is in a flood zone. Clearwater is a coastal area, so many agents recommend a separate flood policy through the National Flood Insurance Program.
What is the difference between an HO6 policy and a condo association master policy?
The condo association master policy covers the building structure and common areas. Your HO6 policy covers your personal property, interior walls, fixtures, and liability. Florida law requires the association to insure the building, but you are responsible for your unit contents.
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