How Can I Make My Clearwater, FL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Clearwater, FL covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
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Estimate Appropriate Clearwater, FL Home Insurance Coverage Levels | Back to Top
| Clearwater, FL - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Lake Haven Rd, Cypress Trl, Prince Oak Dr, Sugar Bear Ct, Tropic Blvd E, Valencia Dr E, Santiago Way S, W Skyline Dr, Plantation Dr, Cherry Ln | $170,000 | $140,000 | $175,000-$200,000 | $184,000 | $150,000 | $150,000-$175,000 |
| Pasadena Dr, Bluffs Dr, Curtis Dr E, Westchester Dr S, Frances St, 129th Ave, Dexter Dr, Pine Ave, Co Rd 193, Mulberry Dr S | $191,500 | $160,000 | $175,000-$200,000 | $260,500 | $210,000 | $300,000-$350,000 |
| 10th Pl N, Chateau Dr, 6th Ave NW, Cypress Ln, Laurence Dr, Harbor Cir S, Cevera Rd, Fairway Cir E, Nursery Rd, Hidden Pines Ln | $186,000 | $170,000 | $200,000-$250,000 | $226,000 | $190,000 | $200,000-$250,000 |
| Social Cir W, 136th Ln, Antigua Ln, 10th St SW, W Brook Ln, S Hillcrest Ave, Buccaneer Dr, Sun Tree Blvd, Banana Tree Ln, Waverly Way | $169,000 | $140,000 | $150,000-$175,000 | $180,000 | $160,000 | $175,000-$200,000 |
| Oakdale Way, Franklin St, Amtc Cir, Natures Trl, Eagle Run Ct, Lake Rd, Pineforest Way N, Windwood Dr, Alexander Dr, East Dr | $137,500 | $130,000 | $125,000-$150,000 | $160,000 | $130,000 | $150,000-$175,000 |
| N Duncan Ave, Bramblewood Dr, Glenn Ln, Crown St, Hill Dr, Stonegate Dr, Vancouver Dr, Seacrest Dr, Delbar Ct, Sunshine Dr | $150,500 | $140,000 | $150,000-$175,000 | $194,000 | $160,000 | $175,000-$200,000 |
| Iron Age St, Woodburn Ct, Sylvan Dr, Kumquat Dr, Pinewood Ln, 18th Ave SW, Colonial Dr, Idlewild St, 118th St, 105th Ter | $134,500 | $110,000 | $125,000-$150,000 | $156,000 | $130,000 | $125,000-$150,000 |
| 127th Ave, Winding Creek Rd, 13th Ave SW, Lake Citrus Dr, Saturn Ave, Palmwood Dr, Sunrise Ct, Co Rd 36, Juanita Way, Eastfield Dr | $98,000 | $80,000 | $100,000-$125,000 | $80,000 | $70,000 | $75,000-$100,000 |
| 90th Ln N, Fulton Way SW, Heather Ct, N Peaceful Ln, Wilson Ave, Co Rd 102, Joel Ln, Finlandia Ln, Flora Ln, Washington Ave S | $88,500 | $80,000 | $75,000-$100,000 | $101,500 | $80,000 | $100,000-$125,000 |
| 124th Ter N, Minnesota Dr, Alma St, Myerlake Cir, Osaka Dr, N 141st Ave, 127th Ave, Jones Dr, Willowick Cir, Seabreeze St | $99,000 | $80,000 | $75,000-$100,000 | $201,000 | $180,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Clearwater, FL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$183 | $1,124 |
| Superior Protection Discount | -$131 | $1,176 |
| Fire & Security Discount | -$131 | $1,176 |
| Hail Resistant Roof Discount | -$26 | $1,281 |
| Newly Constructed Home Discount | -$301 | $1,006 |
Choose the Right Deductible for your Clearwater, FL Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Pinellas County | $1,500 | $1,359 | $2,859 | $987 | $2,487 | $371 |
| Clearwater, FL | $1,500 | $1,291 | $2,791 | $938 | $2,438 | $353 |
| Holiday, FL | $400 | $703 | $1,103 | $511 | $911 | $192 |
| Trinity, FL | $2,000 | $1,129 | $3,129 | $820 | $2,820 | $308 |
| Bayonet Point, FL | $400 | $747 | $1,147 | $543 | $943 | $204 |
| Bradenton, FL | $2,500 | $1,357 | $3,857 | $986 | $3,486 | $371 |
| Timber Pines, FL | $400 | $933 | $1,333 | $678 | $1,078 | $255 |
| Samoset, FL | $2,500 | $939 | $3,439 | $682 | $3,182 | $257 |
| West Samoset, FL | $200 | $835 | $1,035 | $607 | $807 | $228 |
| Hernando Beach, FL | $700 | $986 | $1,686 | $716 | $1,416 | $269 |
| Dade City, FL | $300 | $814 | $1,114 | $592 | $892 | $222 |
| Hill 'n Dale, FL | $700 | $839 | $1,539 | $610 | $1,310 | $229 |
Identify Top Home Insurance Agents near Clearwater, FL | Back to Top
| Home Insurance Company Clearwater, FL | Homeowners Insurance Agency Clearwater, FL | Address | Popularity Score | Distance from Clearwater (miles) |
|---|---|---|---|---|
| State Farm | Chuck Hollowell | 7801 Starkey Rd, Seminole, FL, 33777 | 8.8 | |
| Allstate | Steven Hauck | 2323 Curlew Rd Ste 6a, Dunedin, FL, 34698 | 6.2 | |
| Travelers | Courtesy Insurance And Financial Services | 2203 N Hercules Av, Clearwater, FL, 33763 | 3.1 | |
| Allstate | Anthony Borruso | 800 East Bay Dr Ste 0, Largo, FL, 33770 | 3.7 | |
| State Farm | Cindy Wilson | 2710 Alt 19 Ste 304, Palm Harbor, FL, 34683-2600 | 8.6 | |
| Allstate | Ryan Green | 11350 66th St, Largo, FL, 33773 | 7.5 | |
| Allstate | Peggy Phifer | 3023 Alt 19 Ste 104, Palm Harbor, FL, 34683 | 8.8 | |
| Allstate | Paul Freire | 1365 Main St, Dunedin, FL, 34698 | 3.7 | |
| Allstate | Renate Armitage | 2907 State Road 590 Ste 4, Clearwater, FL, 33759 | 4.6 | |
| Travelers | Key Palm Insurance | 28463 Us Hwy 19 N, Ste 102 , Clearwater, FL, 33761 | 5.3 |
Compare Rates for Clearwater, FL Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Florida | $178,700 | $1,605 | $1,250 | $2,150 | $900 |
| Pinellas County, FL | $167,100 | $1,375 | $1,070 | $1,840 | $770 |
| Clearwater, FL | $155,700 | $1,307 | $1,020 | $1,750 | $730 |
| Holiday, FL | $66,400 | $711 | $550 | $950 | $400 |
| Trinity, FL | $254,700 | $1,142 | $890 | $1,530 | $640 |
| Bayonet Point, FL | $74,100 | $756 | $590 | $1,010 | $420 |
| Bradenton, FL | $166,800 | $1,373 | $1,070 | $1,840 | $770 |
| Timber Pines, FL | $137,200 | $944 | $740 | $1,270 | $530 |
| Samoset, FL | $81,400 | $950 | $740 | $1,270 | $530 |
| West Samoset, FL | $66,000 | $845 | $660 | $1,130 | $470 |
| Hernando Beach, FL | $177,000 | $998 | $780 | $1,340 | $560 |
| Dade City, FL | $86,000 | $824 | $640 | $1,100 | $460 |
| Hill 'n Dale, FL | $66,700 | $849 | $660 | $1,140 | $480 |
Research Home Insurance Companies Reviews in Clearwater, FL Before Buying | Back to Top
Share a review on your home insurance company
USAA Home Insurance Reviews
Date: April 07, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
I would say that the premium and deductibles are probably on par with other companies. I am satisfied with my rates and deductible.
Date: October 02, 2018 Age: Above 60 Gender: Male Marital Status: Married
Premium
Compared to other insurance companies that I was able to receive quotes from, this insurance agency had considerably lower prices.
Date: September 17, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
I really like how responsive the customer service is. When we recently had hail damage on the roof, the adjuster was there to inspect within 48 hours.
Date: September 10, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Website/App
The company's website is very user-friendly and has access to all of our accounts and payment histories. It is easy to log in.
Date: August 24, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The premium's I pay is low in comparison to other companies, but then I pay a higher deductible.
Date: August 23, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
My home is covered by comprehensive insurance- we have coverage for fires and floods as well as liability insurance policies.
Date: July 30, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
This company's customer service is always willing to help. Their phone number connects you to a real person and doesn't leave you without someone to talk to.
Date: June 15, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Website/App
The website is very thorough and has an easy way to submit and review claims.
Date: May 05, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Communication
What I appreciate the most was the communication was efficient and clear. The asked me simple questions and provide good explanations.
Date: January 06, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
My home policy covers both our house and automobiles. The offerings insures for home damage caused by weather, fire, water damage, flooding, and accidents.
Date: December 26, 2017 Age: 40 to 49 Gender: Female Marital Status: Married
Communication
They send out regular emails and notifications for their products. They make it clear that the customer is their top priority, and the customer definitely feels that that is the case.
Progressive Home Insurance Reviews
Date: October 08, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I have not submitted a claim for my home insurance. I use them for my auto insure and they have been great. Customer Service is proffesional and courteous.
Date: January 01, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Policy Offerings
The policy gives me exactly what I need. They offer several different options so you can find a good fit. I'm happy with what was offered.
Date: December 05, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Policy Offerings
I am offered riders on high-priced items in my home, discounts on security systems, and discounts for having a garage, etc. I would like it better if there were more choices offered for how to pay the premiums, however.
Allstate Home Insurance Reviews
Date: November 22, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
While it's overall affordable the deductible is a bit high and the rates could stand to be lower over all in my opinion.
Date: October 21, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
My policy offers coverage for home, car, rental insurance, pet insurance, personal property, life, rv and motorhomes, motorcycles, condos and roadside assistance
Assurant Specialty Property Home Insurance Reviews
Date: February 11, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
We were limited in choosing an insurance provider because technically our home is considered a mobile home and very few companies offer insurance for this type of dwelling.
Centauri Insurance Home Insurance Reviews
Date: December 30, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I am very safe with my home company because I feel very safe because of your questions
Florida Farm Bureau Insurance Home Insurance Reviews
Date: July 05, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
I premium and deductible are comparible to other insurance companies. I don't feel like our deductible is higher or lower than other insurance companies, they're right about the same.