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2024

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Best Homeowners Insurance Agencies in Clearwater, FL

Our Recommended Top 17

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Clearwater Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

80Reviewed

54Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6747 Land O' Lakes Boulevard, Land O' Lakes, FL 34638

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Centurion Insurance sells homeowners insurance near Clearwater. Its agents answer questions that customers have as they shop for homeowners insurance and connects them with trusted carriers who offer coverage. It advises customers on purchasing coverage for natural disasters such as floods, expenses associated with homelessness, and liabilities left to homeowners if others are hurt on their properties. Insurance packages are also available to those who are renting and need coverage for their possessions.

  • Personal Property Insurance
  • Multiple Policy Types

5492 Land O' Lakes Boulevard, Land O' Lakes, FL 34639

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

Oakes Insurance serves the Clearwater metro area and provides quotes to clients as they shop for homeowners insurance. This agency has served clients for over 35 years and continues to help them assess their coverage needs based on the level of value they need to insure. In addition to standalone properties, Oakes Insurance can insure mobile homes and condominiums as well. Renters insurance is also available to protect possessions exclusively.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

1452 Court Street, Clearwater, FL 33756

Expertise.com Rating

Review Sources

Google
4.9 (50)
Facebook
5.0 (22)
Yelp
5.0 (4)

Why choose this provider?

Bay Area Insurance Shop is a family-owned and operated insurance agency in Clearwater that has been serving Florida since 1996. It helps homeowners protect their investment with insurance policies that cover the structure of the house, personal belongings, liability protection, and additional living expenses. There are also separate policies that offer financial protection from damages caused by floods or earthquakes. This independent agency provides access to more than a dozen carriers, allowing clients to determine the coverage that fits their needs.

  • Renter's Insurance
  • Multiple Policy Types

30832 US Highway 19 North, Palm Harbor, FL 34684

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
3.7 (3)
Yelp
5.0 (1)

Why choose this provider?

Whitco Insurance of Palm Harbor offers homeowners insurance policies and helps clients to shop for them. Its policies are comprehensive and can cover a full range of needs related to property loss, including repair and replacement costs for the structures and coverage for personal possessions. Clients can purchase coverage for liabilities in case any of their guests are ever injured, and they also have coverage options for medical and living expenses following disasters. Condo insurance is available.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

3980 Tampa Road, Oldsmar, FL 34677

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Vazquez Insurance Agency inc. sells homeowners insurance plans to clients who need to cover liabilities associated with real estate. Its plans cover repair and replacement costs for the structure of the home and can cover most personal possessions as well. Clients can also purchase coverage to handle any living expenses caused by displacement. Vazquez Insurance Agency Inc. evaluates liability associated with property too and uses this information to provide quotes for guest liability coverage.

  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

918 South Missouri Avenue, Clearwater, FL 33756

Expertise.com Rating

Review Sources

Google
4.7 (112)
Facebook
5.0 (4)

Why choose this provider?

Gotta Havit Auto Insurance is a local agency that has been serving the insurance needs of residents based in Clearwater for more than a decade. The agency provides a standard homeowners' insurance policy with essential coverages that include the structure of homes, personal belongings, liability protection, and additional living expenses. It also offers insurance protection for auto, life, health, and business. Some of the insurance carriers it represents are Foremost, Progressive, and American Reliable.

  • Multiple Policy Types

28917 US Highway 19 North, Clearwater, FL 33761

Expertise.com Rating

Review Sources

Google
4.0 (71)
Facebook
5.0 (12)
Yelp
1.0 (2)

Why choose this provider?

Gator Auto Insurance of Clearwater serves clients throughout the metro area and assists with a full range of needs that clients have when shopping for homeowners insurance. Its agents assess each client's situation and provide quotes based on the amount of coverage they need. It has plans available to cover construction costs or replacement costs should someone's home or possessions be destroyed. Gator Auto Insurance of Clearwater also offers insurance packages for a variety of land and water vehicles.

  • Personal Property Insurance
  • Multiple Policy Types

2121 Northeast Coachman Road, Clearwater, FL 33765

Expertise.com Rating

Review Sources

Facebook
5.0 (38)
Google
3.9 (26)
Yelp
3.0 (4)

Why choose this provider?

The Turner Insurance Advisor Group helps homeowners in the Clearwater area ensure policy protections for their properties and other covered tangible assets. The agency helps clients determine insurance policies that cover replacement costs for properties damaged or destroyed by fire and other catastrophes. The Turner Insurance Advisor Group also provides assistance on liability matters for clients facing lawsuits from injured guests. The firm has been in the insurance sector since 1923 and also handles insurance issues for vehicle owners, businesses, and associations.

  • Renter's Insurance
  • Condos

1211 Court Street, Clearwater, FL 33756

Expertise.com Rating

Review Sources

Google
4.8 (114)
Facebook
5.0 (22)
Yelp
4.0 (4)

Why choose this provider?

Condon-Meek Insurance Clearwater Florida is an independent insurance agency in Clearwater. The agency works with 14 different homeowners insurance providers to help clients select the best insurance coverage policy tailored to their particular needs. These homeowners insurance policies help protect clients financially from loss caused by theft, vandalism, fire, and other unexpected perils. With three generations of experience in the industry, Condon-Meek Insurance Clearwater Florida also offers specialty dwelling, condo, renter, automobile, senior, business, life, disability, and umbrella insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

1465 S Ft Harrison Ave 104, Clearwater, FL 33756

Expertise.com Rating

Review Sources

Google
4.8 (57)
Facebook
4.4 (21)
Yelp
5.0 (1)

Why choose this provider?

Simmons Insurance, Inc., is a locally owned homeowners' insurance agency that serves families in Clearwater and the surrounding areas. Its staff members and insurance agents work together to help clients find the best quote for their homes. They have a list of insurance companies who can provide homeowners' insurance policies that meet the budget and coverage needs of their clients. Simmons Insurance, Inc., is an independent firm that also offers auto insurance, condominium insurance, and motor home and RV insurance.

  • Multiple Policy Types

6107 Memorial Highway, Tampa, FL 33615

Expertise.com Rating

Review Sources

Google
4.9 (8)
Facebook
5.0 (2)

Why choose this provider?

Tampa Insurance Services is a team of independent agents that serves Clearwater. Included in its product line is homeowners' insurance, which covers medical expenses in case a guest obtains injuries in the policyholder's dwelling place and reimburses property losses resulting from theft. In addition, the risk management professionals offer flood and renters' insurance. Tampa Insurance Services' team has access to policies from carriers like Universal Property & Casualty Insurance Company, allowing them to find coverage options suitable to their clients' needs.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

1700 N. McMullen Booth Rd Suite D2, Clearwater, FL 33759

Expertise.com Rating

Review Sources

Google
4.9 (52)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Jeff Callahan, GreatFlorida Insurance Agent, is an insurance agency that offers homeowners insurance. This local agency has over 30 years of experience and helps clients to get quotes from insurance carriers and insure their properties and their possessions inside. These plans can also cover liability put onto homeowners for guests, medical expenses associated with incidents related to homes, and other structures that are on properties. Jeff Callahan, GreatFlorida Insurance Agent, also insures commercial buildings.

  • Multiple Policy Types
  • Multiple Carriers

18280 North US Highway 41, Lutz, FL 33549

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Doug Smith, State Farm Insurance Agent, is an agency and office operated by Doug Smith, who's been in insurance since 1992. It provides homeowners insurance plans to customers that need to cover the repair costs of their homes and assists them with the entire shopping and purchase process. It also helps clients when they need to make claims. This agency offers coverage for personal property and disasters associated with property loss, such as floods. Auto insurance is available.

  • Multiple Policy Types

25191 US Highway 19 North, Clearwater, FL 33761

Expertise.com Rating

Review Sources

Google
5.0 (52)
Facebook
5.0 (11)

Why choose this provider?

Dimmitt Insurance is a full-service insurance firm that has been serving the Clearwater metro area since 1924. The company provides financial protection for privately owned homes and personal belongings through its homeowners' insurance policies. Its agents assist customers in choosing the best homeowners coverage option, including dwelling, personal assets, and owner's liability. They also handle insurance policies for apartments, condominiums, and rental properties. Other products include personal, business, and commercial insurance. The firm also serves clients in Sarasota, Pinellas Park, Homosassa, and Wesley Chapel.

  • Multiple Policy Types

13035 West Linebaugh Avenue, Tampa, FL 33626

Expertise.com Rating

Why choose this provider?

Cornerstone Insurance offers homeowners insurance near Clearwater. Its agents advise clients on their insurance options and provide quotes for them to select the best plans for their needs. Its homeowners insurance plans can cover the replacement and repair costs of properties and any items inside of them, and it helps clients to find plans that cover the right amount of loss. Cornerstone Insurance insures condominiums too and offers renters insurance plans.

  • Personal Property Insurance

31 West Tarpon Avenue, Tarpon Springs, FL 34689

Expertise.com Rating

Review Sources

Google
4.8 (61)
Facebook
4.9 (27)
Yelp
5.0 (4)

Why choose this provider?

Unbehagen Advisors does business in the Clearwater metro area and helps clients with homeowners insurance and related needs. Its agents advise clients on their coverage options and help them to purchase policies that cover the repair costs of their dwellings and any furniture or valuable possessions inside. They can also help clients to purchase liability coverage so they aren't financially responsible for any guests that are hurt on their premises. Commercial property insurance is available.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

407 East Oak Avenue, Tampa, FL 33602
WebsiteLicense: L113573

Expertise.com Rating

Review Sources

Google
4.0 (48)
Facebook
5.0 (11)

Why choose this provider?

OIG Insurance is a Tampa-based insurance agency that caters to both residential and commercial clients in Clearwater. It provides homeowners' insurance plans that cover natural disasters, unexpected medical emergencies, and other housing damages. The agency examines policies and rates of 20 different insurance carriers, such as Hagerty and Tower Hill. Additionally, it checks the plans of current policyholders to find removable coverages or other policies that are more suitable for them. Its other insurance services include automobile and umbrella insurance.

  • Life Insurance
  • Health Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Centurion Insurance
6747 Land O' Lakes Boulevard, Land O' Lakes, FL 34638
Oakes Insurance
5492 Land O' Lakes Boulevard, Land O' Lakes, FL 34639
Bay Area Insurance Shop
1452 Court Street, Clearwater, FL 33756
Whitco Insurance of Palm Harbor
30832 US Highway 19 North, Palm Harbor, FL 34684
Vazquez Insurance Agency Inc
3980 Tampa Road, Oldsmar, FL 34677
Gotta Havit Auto Insurance
918 South Missouri Avenue, Clearwater, FL 33756
Gator Auto Insurance of Clearwater
28917 US Highway 19 North, Clearwater, FL 33761
The Turner Insurance Advisor Group
2121 Northeast Coachman Road, Clearwater, FL 33765
Condon-Meek Insurance Clearwater Florida
1211 Court Street, Clearwater, FL 33756
Simmons Insurance, Inc.
1465 S Ft Harrison Ave 104, Clearwater, FL 33756
Tampa Insurance Services
6107 Memorial Highway, Tampa, FL 33615
Jeff Callahan - GreatFlorida Insurance Agent
1700 N. McMullen Booth Rd Suite D2, Clearwater, FL 33759
Doug Smith - State Farm Insurance Agent
18280 North US Highway 41, Lutz, FL 33549
Dimmitt Insurance
25191 US Highway 19 North, Clearwater, FL 33761
Cornerstone Insurance
13035 West Linebaugh Avenue, Tampa, FL 33626
Unbehagen Advisors
31 West Tarpon Avenue, Tarpon Springs, FL 34689
OIG Insurance
407 East Oak Avenue, Tampa, FL 33602

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What are the “My Florida Safe Homes” grants given to Clearwater residents who need more affordable homeowners insurance?

    The “My Florida Safe Homes” program is a storm mitigation grant offered to Clearwater residents so that they can have lower homeowners insurance premiums. It provides a free wind mitigation home inspection and a maximum of 10,000 dollars for low-income homeowners. It was drafted during the first legislative insurance special session last year. Some changes have been proposed this year, such as re-funding the program for an additional 100 million dollars to see it through to 2024.

  • Do the rising rates of homeowners insurance still plague Clearwater?

    The rising rates of homeowners insurance still plague Clearwater and the whole of Florida. The price of insurance premiums has increased by 50 to 100%, and this has been affecting not only homeowners but municipalities as well. This significant uptick in rates has been going on for the past five years. Property insurance in nearby St. Petersburg also increased up to 50% last year and replacement costs increased by 19%.

  • Do Clearwater homeowners insurance policies cover one’s property for all damages?

    Standard Clearwater homeowners insurance policies do not cover floods or windstorm damage. Each insurance plan also differs, and homeowners should consider reviewing their policy’s limitations and exclusions prior to hurricane season. Flood insurance can be purchased via the Southern Oak Flood Endorsement or National Flood Insurance Program. The former may have lower costs and higher limits.

  • Can Clearwater insurance companies take as much time as they want in responding to homeowners insurance claims?

    Clearwater insurance companies do not have the luxury of taking as much time as they want in responding to homeowners insurance claims. Most insurance firms have a deadline of two weeks to acknowledge a claim, starting from the date that the damage was reported. Following this, they only have 90 days to pay the undisputed payouts to the claimant.

  • How can a Clearwater home inventory be made for purposes of a possible future homeowners insurance claim?

    You may take advantage of technology to make a Clearwater home inventory for a possible future homeowners insurance claim. Use worksheets, templates, and inventory checklists from Google, Microsoft Excel, Pinterest, and mobile apps. Document each room, closet, and drawer using photos and videos and record each valuable, including electronics, appliances, jewelry, firearms, antiques, tools, furniture, collectibles, artworks, rugs, couture, wine cellars, and liquor cabinets. List purchase dates, serial and model numbers, item descriptions, appraisals, and estimated values. Always save receipts.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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