The top-rated home insurance agent in Clearwater, Florida is Florida Strategic Insurance, rated 4.9 stars across 569 reviews. Other highly rated options include Acceptance Insurance, Freeway Insurance, Craig Duncan - State Farm Insurance Agent. This directory lists 23 home 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 | Craig Duncan - State Farm Insurance Agent | 2454 McMullen Booth Rd #421 | (727) 725-3668 |
| 5 | Achieva Insurance Agency | 4590 Ulmerton Rd Suite 208 | (888) 351-4672 |
| 6 | GreatFlorida Insurance: Jeff Callahan | 1700 N McMullen Booth Rd Ste D2 | (727) 315-0805 |
| 7 | Island Insurance Specialists Inc | 29170 US Hwy 19 N | (727) 754-5036 |
| 8 | Bay Area Insurance Shop, Inc. | 1452 Court St | (727) 446-4416 |
| 9 | The Turner Insurance Advisor Group aka Turner Insurance | 2121 NE Coachman Rd | (727) 442-0012 |
| 10 | Arrington Insurance of Florida | 1934 Soule Rd | (727) 595-8405 |
Florida Strategic Insurance serves homeowners throughout Pinellas County from its Clearwater office. This agency assists clients in obtaining property coverage tailored to single-family homes, condominiums, and rental properties. The local market often requires protection against wind and flood risks, so the agent reviews policy options to meet these specific needs. A typical appointment includes comparing coverage limits and deductibles from multiple carriers. The agency also guides customers through the process of adjusting or bundling their home insurance with other policy types.
Acceptance Insurance serves the Clearwater, Florida area as a home insurance agent. It works with homeowners to find coverage policies suited to their property and personal needs. The agent helps residents navigate insurance options for protecting their homes against the typical weather and liability risks in this region. This local office assists clients with comparing policies from different carriers. Among the specific services it handles here are standard homeowners insurance and dwelling fire coverage for residential properties.
Freeway Insurance provides a broad range of home insurance services in Clearwater, Florida, including coverage options for property damage, liability protection, and additional living expenses. It offers routine policy reviews and claims assistance to help clients maintain adequate protection as their needs change. The company serves residential properties such as single-family homes and apartments, as well as commercial spaces including retail stores and restaurants.
Craig Duncan, operating as a State Farm Insurance Agent in Clearwater, FL, offers a full range of personal insurance services, including tailored home coverage. Policies are structured to protect against common Florida risks like hurricane damage, with routine support available through established service plans and policy reviews. Account management includes easy billing and claims assistance for both standard and customized plans. Its client base includes owners of single-family homes, apartments, retail shops, and local restaurants.
Achieva Insurance Agency serves homeowners in Clearwater, Florida, by offering home insurance policies designed to protect single-family residences and condominiums against common local risks such as hurricanes, fire, and theft. The agency assists clients in reviewing coverage options and deductibles to match individual property values and personal needs. Policyholders receive guidance on navigating claims processes when storm damage occurs. The agency also services homeowners in the nearby communities of Largo and Dunedin, providing the same residential insurance assistance throughout northern Pinellas County.
GreatFlorida Insurance: Jeff Callahan serves homeowners throughout Clearwater, Florida and the surrounding Pinellas County communities. The agency handles residential property policies, covering standard perils like wind, fire, and theft for local clients. It also addresses flood coverage and liability protection tailored to Florida’s coastal environment. For each customer, the agent reviews the specific risks of the home’s location, then compares options from multiple carriers to find a suitable policy that meets the homeowner’s budget and needs.
Island Insurance Specialists Inc in Clearwater, FL distinguishes between one-time policy consultations and recurring service agreements for home insurance coverage. Their team assists homeowners in selecting policies that protect against common regional risks, such as storm damage and liability claims. They explain coverage options and help clients adjust deductibles or add endorsements as needed. A standard claim filing process is offered for clients who experience a loss. Service for existing policy reviews and new quotes runs on an as-needed basis.
In the wake of a Florida storm, homeowners in Clearwater often face the challenge of filing claims and comparing coverage for wind or flood damage. Bay Area Insurance Shop, Inc. helps local residents navigate these needs as a home insurance agent serving the area. The company works with clients to review existing policies and identify possible gaps in protection for houses or condos. Before issuing a quote, an agent typically schedules a walkthrough of the property to assess its condition and take preliminary measurements.
Serving Clearwater, Florida, The Turner Insurance Advisor Group, also known as Turner Insurance, specializes in tailoring homeowners policies to protect local coastal properties. Its team works to match each client with a policy that balances necessary dwelling, liability, and personal property coverage against the unique weather risks of the Gulf Coast region. It assists with routine policy reviews and claims support for day-to-day home incidents. For seasonal concerns, the agency helps residents prepare for and review their coverage ahead of the annual Atlantic hurricane season.
What Does a a Home Insurance Agent in Clearwater Cost?
Home insurance costs in Florida are among the highest in the nation. For a typical Clearwater home, annual premiums often range from 2000 to 6000 dollars depending on the homes age construction and location. Windstorm deductibles usually range from 2 to 5 percent of the dwelling coverage. Costs vary by individual risk factors and policy details. This is general information and not insurance advice.
About home insurance agents in Clearwater
A home insurance agent in Clearwater Florida can help you navigate the unique risks of living on the Gulf Coast. Florida law requires insurers to offer windstorm coverage and sinkhole coverage in certain areas. An agent can explain policy options and help you meet mortgage and state requirements.
Frequently Asked Questions
What does a home insurance agent in Clearwater do?
A home insurance agent helps you compare policies from different carriers and find coverage that fits your needs. They explain Florida-specific endorsements like windstorm and flood coverage. They also assist with claims and policy changes.
Do I need flood insurance in Clearwater Florida?
Flood insurance is not required by Florida law but is often required by mortgage lenders in flood zones. Clearwater is a coastal city with high flood risk. An agent can help you purchase a separate flood policy through the National Flood Insurance Program or a private carrier.
What is the Florida statute of limitations for home insurance claims?
Florida law sets a five-year statute of limitations for filing a lawsuit on a property insurance claim from the date of loss. However policy terms may require faster reporting. Always notify your agent and insurer promptly after damage occurs.
Home Insurance Agents in Other Florida Cities
Altamonte Springs · Apopka · Bartow · Belle Glade · Belleview · Boca Raton · Bonita Springs · Boynton Beach · Bradenton · Brandon · Brooksville · Cape Coral · Casselberry · Clermont · Coconut Creek