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2024

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Best Renter's Insurance Companies in Clearwater, FL

Our Recommended Top 16

We did the research for you!

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

56Reviewed

40Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1211 Court Street, Clearwater, FL 33756
WebsiteLicense: A052688

Expertise.com Rating

Review Sources

Google
4.0 (116)
Facebook
5.0 (21)
Yelp
4.0 (4)

Why choose this provider?

Meek Insurance Agency serves clients in Clearwater and the surrounding areas. It collaborates with various insurance providers to bring a wide range of personal and commercial insurance solutions. It offers renters' insurance coverage, which protects policyholders from losses caused by theft and weather-related damages. In addition, insurance policies for homes, specialty dwellings, auto, and businesses are also available. Meek Insurance Agency also carries senior insurance plans, such as Medicare policies for the elderly.

  • Multiple Carriers

1001 Highland Avenue, Largo, FL 33770
WebsiteLicense: R002811

Expertise.com Rating

Review Sources

Google
4.0 (16)
Facebook
4.0 (7)

Why choose this provider?

Business & Family Insurors, Inc., is an insurance agency that has been servicing Clearwater and surrounding communities since 1982. It offers renters' insurance to protect clients' personal belongings from unexpected circumstances like motor-vehicle accidents, riots, hailstorms, and theft. Its team of independent agents provides tailored solutions from multiple carriers depending on clients' needs and preferences. Moreover, the agency also handles a wide variety of insurance products under personal and business lines such as tenant dwelling, off-road vehicle, inland marine, and general liability insurance.

  • Multiple Policy Types

29170 US Highway 19 North, Clearwater, FL 33761
WebsiteLicense: L110321

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

Island Insurance Specialists is an independent insurance firm that provides personalized insurance solutions based on the needs of clients in Clearwater. Among the company's insurance offerings is renters' insurance. Plan options include coverage for the rental unit as well as personal property. Its owners, Renee and Dee, have over 25 years of combined industry experience in helping clients find adequate and reliable insurance products from a long list of insurance carriers.

  • Multiple Policy Types

3150 McMullen Booth Road, Clearwater, FL 33761
WebsiteLicense: A162571

Expertise.com Rating

Review Sources

Google
4.0 (12)
Yelp
3.0 (2)

Why choose this provider?

Mike Maher is a State Farm insurance agent serving residents and businesses in Clearwater. He offers a range of risk management strategies, including renters' insurance, life insurance, and health insurance, as well as annuities. He also provides coverage for homeowners, automobiles, personal artifacts, and businesses. Additionally, he assists his clients with their banking needs. Mike has been with State Farm since 1987. He is a Chartered Life Underwriter, a Chartered Property Casualty Underwriter, and a Chartered Financial Consultant.

  • Multiple Policy Types

2121 Northeast Coachman Road, Clearwater, FL 33765
WebsiteLicense: L065098

Expertise.com Rating

Review Sources

Facebook
5.0 (39)
Google
3.0 (26)
Yelp
3.0 (4)

Why choose this provider?

The Turner Insurance Advisor Group is a Clearwater-based insurance brokerage service that helps clients with their personal and commercial insurance needs. The firm aids people and families who are renting a home or apartment in obtaining a renters' insurance policy that will cover them and their belongings from the unexpected. As an independent insurance firm, its agents shop for coverage options for personal property and personal liability among different providers throughout the U.S. The company has been serving clients since 1923.

  • Multiple Policy Types

1212 Cleveland Street, Clearwater, FL 33755
WebsiteLicense: R007134

Expertise.com Rating

Review Sources

Google
4.0 (10)
Yelp
3.0 (2)
Facebook
5.0 (1)

Why choose this provider?

Headquartered in Clearwater, Auto Insurance Plus+ is an independently owned and locally operated insurance agency that assists individuals, families, and businesses with their insurance needs. Its agents shop for plans and research rates and coverage options from several insurance companies on behalf of clients. It carries policies across renters’, landlord, homeowners', condo, earthquake, flood, and umbrella insurance. Additionally, it offers business products like business owners' policy, commercial property, and general liability.

  • Multiple Policy Types

1452 Court Street, Clearwater, FL 33756
WebsiteLicense: L089230

Expertise.com Rating

Review Sources

Google
4.0 (50)
Facebook
5.0 (18)
Yelp
5.0 (3)

Why choose this provider?

Bay Area Insurance Shop is an insurance agency in Clearwater. It is a family-owned company started by two sisters in 1996. It has been serving individuals, families, and businesses in the local community for more than 20 years. It offers several insurance policies, such as home and renters' insurance. It also provides coverage for automobiles, classic cars, and boats. It caters to clients from all over Florida, concentrating on the areas of Pasco, Pinellas, and Hillsborough.

  • Multiple Policy Types

550 East Bay Drive, Largo, FL 33770
WebsiteLicense: R003592

Expertise.com Rating

Review Sources

Google
5.0 (141)
Facebook
5.0 (8)

Why choose this provider?

Weisner Insurance Network is a team of independent agents that assists Clearwater residents in numerous areas, including renters' insurance. They can furnish protection plans that cover tenants' personal belongings and provide liability coverage in case a guest obtains injuries at the policyholder's property. The insurance specialists are active members of the local community who are involved in membership groups and county boards. Weisner Insurance Network is owned by Wayne Weisner, who has over 30 years of industry experience.

  • Multiple Policy Types

2114 Drew Street, Clearwater, FL 33765
WebsiteLicense: R005426

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (2)

Why choose this provider?

DeFrain Insurance Inc. is a family-owned independent insurance agency that has been in the business for over 35 years. It caters to customers in Clearwater and the surrounding communities. It helps clients protect their personal properties from fire or theft by offering renters' insurance plans. Additionally, it provides car, business, house, motorcycle, and RV insurance products. Owner R.J. DeFrain's daughter joined the company in 1987, helping him automate systems, boost sales, and improve client service.

  • Multiple Carriers
  • Multiple Policy Types

2095 East Bay Drive, Largo, FL 33771
WebsiteLicense: A039320

Expertise.com Rating

Review Sources

Google
4.0 (23)

Why choose this provider?

Bill Campbell III is an insurance agent who works for State Farm. He provides his services and products to clients in Clearwater and the surrounding areas. Bill is a qualifier of the Life Honor Club, Honor Agent, and Legion of Honor. He offers renters' insurance, which protects a client's personal belongings, covering the losses that may result from fire, smoke, hail, theft, vandalism, or even loss of use. Bill also offers other products such as life and health insurance.

  • Multiple Policy Types

3165 McMullen Booth Road, Clearwater, FL 33761
WebsiteLicense: L054658

Expertise.com Rating

Review Sources

Google
4.0 (11)
Facebook
5.0 (8)

Why choose this provider?

The Fessler Agency, Inc., is an insurance agency that has been providing its services to customers in Clearwater and the surrounding areas since 1984. It is independent so it represents a variety of insurance companies. The agency offers renters' insurance under its personal insurance category. Its agents provide guidance on the insurance and claims process. The agency also provides information regarding the client's chosen policies. It also offers other insurance products, which include homeowners, flood, auto, life, and personal umbrella.

  • Multiple Policy Types

1955 Drew Street, Clearwater, FL 33765
WebsiteLicense: R011533

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
5.0 (5)

Why choose this provider?

Fox Insurance Agency is an independent company that serves clients in Clearwater. It offers renters' insurance that provides coverage for the policyholders' belongings and liabilities in case of disasters and losses. The agency also works with several insurance carriers, including Hagerty, HCI, and Infinity, to provide insurance plans for cars, homes, and businesses. Fox Insurance has been serving the insurance needs of its clients in the metro and across the state of Florida since 1987.

  • Multiple Policy Types

25191 US Highway 19 North, Clearwater, FL 33761
WebsiteLicense: L086533

Expertise.com Rating

Review Sources

Google
5.0 (52)
Facebook
5.0 (12)
Yelp
1.0 (1)

Why choose this provider?

Operating in and around the Clearwater area since 1924, Dimmitt Insurance provides clients with an array of personal and commercial insurance products. Its insurance professionals can help clients in acquiring renters' insurance that covers lost and damaged property and liability issues the client may be responsible for. Moreover, the independent agency can shop for coverage plans from a wide selection of insurance carriers and assist clients in processing insurance claims. Dimmitt Insurance works to guide clients and explain the insurance process in layman's terms.

  • Multiple Carriers
  • Multiple Policy Types

918 South Missouri Avenue, Clearwater, FL 33756
WebsiteLicense: L051153

Expertise.com Rating

Review Sources

Google
4.0 (134)
Facebook
5.0 (4)

Why choose this provider?

Gotta Havit Insurance is an independent insurance agency that serves individuals, families, and businesses in Clearwater with renters' insurance needs. Founded in 2003, the company works with over 35 carriers, giving it the ability to provide more coverage options for its clients. Its agents assist each client in identifying their needs and help them create a customized plan that addresses their needs. The company's products also include life, health, auto, and business insurance. Moreover, it offers homeowners' insurance, with coverage options for floods and earthquakes.

  • Multiple Policy Types

31962 US Hwy 19 N, Palm Harbor, FL 34684
WebsiteLicense: A111752

Expertise.com Rating

Review Sources

Google
4.0 (60)
Facebook
5.0 (9)

Why choose this provider?

The Harrington Agency is a company serving clients in Clearwater and the surrounding areas. It is an independent insurance agency whose team has a combined 115 years of experience in the industry. It strives to provide clients with customized policies that meet their needs. Products that the company offers include renters', home, flood, and condo insurance. Policies that cover automobiles, motorcycles, RVs, and boats are also available. Clients can also approach the company for life and business insurance.

  • Multiple Policy Types

2727 Ulmerton Road, Clearwater, FL 33762
WebsiteLicense: L007935

Expertise.com Rating

Review Sources

Google
4.0 (267)
Facebook
5.0 (59)
Yelp
4.5 (5)

Why choose this provider?

Strategic Insurance Services is an independent insurance agency in Clearwater. It helps renters obtain insurance policies that cover their personal property and medical payments, as well as protect them against injury and property damage claims. With access to more than 75 insurance carriers, the company compares policies and premiums to find comprehensive coverages that suit every renter's needs. The company also has annual protection reviews and conducts refinements to ensure that clients get full protection from year to year.

  • Multiple Carriers

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Meek Insurance Agency
1211 Court Street, Clearwater, FL 33756
Business & Family Insurors, Inc.
1001 Highland Avenue, Largo, FL 33770
Island Insurance Specialists
29170 US Highway 19 North, Clearwater, FL 33761
Mike Maher
3150 McMullen Booth Road, Clearwater, FL 33761
Turner Insurance Advisor Group, Inc
2121 Northeast Coachman Road, Clearwater, FL 33765
Auto Insurance Plus
1212 Cleveland Street, Clearwater, FL 33755
Bay Area Insurance Shop
1452 Court Street, Clearwater, FL 33756
Weisner Insurance Network
550 East Bay Drive, Largo, FL 33770
DeFrain Insurance Inc.
2114 Drew Street, Clearwater, FL 33765
Bill Campbell III
2095 East Bay Drive, Largo, FL 33771
The Fessler Agency, Inc.
3165 McMullen Booth Road, Clearwater, FL 33761
Fox Insurance Agency
1955 Drew Street, Clearwater, FL 33765
Dimmitt Insurance
25191 US Highway 19 North, Clearwater, FL 33761
Gotta Havit Insurance
918 South Missouri Avenue, Clearwater, FL 33756
The Harrington Agency
31962 US Hwy 19 N, Palm Harbor, FL 34684
Strategic Insurance Services
2727 Ulmerton Road, Clearwater, FL 33762

FAQs

  • If your neighbor leaves his or her faucet running and it floods your rental property, will your renters' insurance policy in Clearwater cover the water damage?

    Yes. Your renters' insurance coverage in Clearwater will pay for the price of replacing or repairing any damaged goods if your neighbor leaves their faucet running, causing water to leak into your rental property. Your renters' insurance may also cover the expense of living somewhere else while your apartment or rental home is being repaired if the water damage prevents you from living in your home.

  • Is medical coverage for injured guests covered by renters' insurance in Clearwater?

    Yes. Your renters' insurance policy in Clearwater will pay for the medical expenses to treat injuries suffered by visitors. Your policy's medical payments coverage will kick in if the harm is minimal. However, your personal liability insurance will defend you in the event that a visitor files a lawsuit. On the other hand, if your guest sues you, your personal liability insurance will protect you.

  • In the event of a covered loss, how much money will you receive if your Clearwater renters' insurance policy includes actual cash value coverage?

    Your renters' insurance policy in Clearwater will factor depreciation into the amount it would payout following a covered loss if you have actual cash value coverage. For example, if you paid $700 for your laptop and it was destroyed by a covered loss, your renters' insurance coverage will not cover that exact amount due to depreciation.

  • Is food loss covered by Clearwater renters' insurance?

    Yes. In Clearwater, most renters' insurance policies include personal property coverage for food loss or spoiling. Your renters' insurance coverage will cover food loss if a hurricane knocks out the electricity, causing the food in your refrigerator to spoil. Similarly, your renters' insurance will cover any food that spoils within the refrigerator in the event that a lightning strike triggers a power outage and shuts down the refrigerator.

  • Are jewels covered by Clearwater renters' insurance policies?

    Yes. Jewelry loss or damage resulting from named risks is covered by standard renters' insurance plans in Clearwater. However, the policy's limit will determine the extent of coverage. Scheduled personal property coverage is an optional add-on that most insurance companies offer for higher coverage limits for valuable goods like jewels.

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