The top-rated flood insurance agent in Clearwater, Florida is Florida Strategic Insurance, rated 4.9 stars across 575 reviews. Other highly rated options include David Tapia: Allstate Insurance, GreatFlorida Insurance: Jeff Callahan, Island Insurance Specialists Inc. This directory lists 21 flood insurance agents serving Clearwater.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Florida Strategic Insurance | 5830 142nd Ave N | (727) 546-6000 |
| 2 | David Tapia: Allstate Insurance | 133 N Garden Ave | (727) 449-8800 |
| 3 | GreatFlorida Insurance: Jeff Callahan | 1700 McMullen Booth Rd Ste D2 | (727) 315-0805 |
| 4 | Island Insurance Specialists Inc | 29170 US Hwy 19 N | (727) 754-5036 |
| 5 | Bay Area Insurance Shop, Inc. | 1452 Court St | (727) 446-4416 |
| 6 | The Turner Insurance Advisor Group aka Turner Insurance | 2121 NE Coachman Rd | (727) 442-0012 |
| 7 | Arrington Insurance of Florida | 1934 Soule Rd | (727) 595-8405 |
| 8 | Dimmitt Insurance | 25191 US Hwy 19 N B | (866) 763-6627 |
| 9 | Impel Insurance, LLC | 1831 N Belcher Rd. STE A1 | (727) 223-3765 |
| 10 | GreatFlorida Insurance: Mike Lazanis | 1468 Gulf to Bay Blvd | (727) 441-9080 |
Florida Strategic Insurance serves the Clearwater metropolitan area and surrounding Pinellas County as a flood insurance agent. The agency helps property owners understand the flood risk specific to coastal and low-lying neighborhoods. It guides clients through the process of obtaining coverage tailored to their individual property needs in a high-risk flood zone. Services include analyzing current policies for adequate limits and helping navigate federal flood insurance requirements.
David Tapia: Allstate Insurance provides a range of flood insurance services for clients in Clearwater, FL. The agency offers guidance on available policy options and assists with the application process to help property owners secure necessary coverage for flood-prone areas. It also provides support for policy maintenance, including reviewing coverage limits and helping with claims questions as they arise. This flood insurance agent services single-family homes, apartments, retail spaces, and restaurants.
Homeowners, businesses, and property managers in Clearwater rely on GreatFlorida Insurance: Jeff Callahan for flood insurance guidance. The agency helps clients understand flood zone risks and secure appropriate National Flood Insurance Program policies. They assist with coverage needs for both primary dwellings and commercial properties. Residents seeking protection against storm surge and rising water can schedule a consultation about available options. The agency also serves clients throughout nearby Largo.
Island Insurance Specialists Inc serves the Clearwater area and its surrounding Pinellas County communities, handling all standard flood insurance needs for residential and commercial properties. They work with property owners to secure coverage that aligns with federal requirements and local flood zone risks. Their typical approach involves assessing a property’s specific exposure to flood hazards and then sourcing appropriate policy options from available carriers.
Bay Area Insurance Shop, Inc. specializes in flood insurance policies tailored to properties in Clearwater, Florida. The agency guides clients through the complexities of flood coverage, addressing both standard and high-risk zones. It works with homeowners, renters, and commercial property owners to secure appropriate protection against water damage. The company helps local residents assess their flood risk and navigate federal program requirements. During hurricane season, it assists clients in reviewing existing policies and obtaining new coverage before storms approach the Gulf coast.
Unlike annual policies for federal flood coverage, Turner Insurance Advisor Group provides both one-time consultation and recurring program review options for properties in Clearwater, Florida. They detail coverage limits, elevation requirements, and policy exclusions to help homeowners understand protection options. Service at Turner Insurance runs on a one-time, scheduled, or as-needed basis according to each client's policy cycle and claims history.
When seasonal storms and rising tides threaten properties in Clearwater, Florida, Arrington Insurance of Florida helps homeowners and businesses assess their flood risk. As a dedicated flood insurance agent, the company guides clients through available coverage options tailored to local flood zone requirements and National Flood Insurance Program guidelines. Their process begins with a property inspection, including evaluating elevation certificates, past flooding history, and current structural conditions, before presenting suitable policies. An initial onsite visit is scheduled to document flood-prone areas and discuss protective measures.
Dimmitt Insurance provides flood insurance solutions for properties in Clearwater, Florida, where coastal weather patterns create elevated flood risks. The firm specializes in obtaining appropriate policies that address both structural damage and contents coverage for residential and commercial clients. This focused approach helps property owners navigate flood zone requirements and federal program guidelines. Their services are available for offices, warehouses, and food service establishments, ensuring these commercial sectors maintain necessary protection against potential water damage from storms and rising water levels.
GreatFlorida Insurance: Mike Lazanis in Clearwater, FL is known for helping homeowners find flood coverage in a region where hurricane storm surge and heavy rainfall create persistent flood risks. The agency serves clients across Pinellas County, including coastal and low-lying inland communities. Policies can be tailored to protect single-family homes, condominiums, and rental properties from rising water. As an add-on specialty, the agency assists with obtaining excess coverage beyond standard NFIP policy limits.
What Does a a Flood Insurance Agent in Clearwater Cost?
Flood insurance costs in Clearwater Florida vary based on flood zone property elevation and coverage amount. NFIP policies average around 700 to 1000 per year for standard coverage but high-risk properties can exceed 2000 annually. Private flood insurance may offer lower rates for low-risk homes. This is general information and not insurance advice.
About flood insurance agents in Clearwater
Flood insurance agents in Clearwater Florida help homeowners and businesses secure coverage against flood damage. Florida law requires lenders to mandate flood insurance for properties in high-risk flood zones. A local agent can explain the difference between NFIP policies and private flood insurance options.
Frequently Asked Questions
Do I need flood insurance in Clearwater Florida?
If your property is in a high-risk flood zone your lender will require flood insurance. Even outside high-risk zones flooding can occur so many residents choose coverage for peace of mind.
What does a flood insurance agent in Clearwater do?
A flood insurance agent helps you compare NFIP and private flood policies. They assess your flood risk explain coverage limits and assist with the application process.
How long does it take for a flood insurance policy to take effect?
NFIP policies typically have a 30 day waiting period before coverage begins. Private flood policies may have shorter waiting periods depending on the insurer.
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