Clearwater, Florida is a beautiful Gulf Coast city known for its beaches, warm weather, and scenic views. With a population of around 115,000 residents, it’s a mid-sized city with a thriving local economy. Like any home or business owner, Clearwater residents need proper insurance coverage to protect their assets. With many insurance companies to choose from, it can be overwhelming deciding which one is the right fit. This article will explore the top insurance carriers in Clearwater, Florida and how to select the best one for your needs.
Overview of Major Insurance Companies in Clearwater
Some of the largest and most reputable insurance companies with a presence in Clearwater include:
-
State Farm Top national insurer of homes, autos, and small businesses. Large network of Clearwater agents provides customized coverage
-
Allstate: Offers auto, home, renters, and business insurance. Known for quality customer service and claims handling.
-
GEICO Major national auto and homeowners insurance carrier with discount pricing due to direct-to-consumer sales,
-
Progressive: Auto and home insurance options with competitive rates and multiple discounts available.
-
USAA: Specializes in insurance for military members and their families. Consistently earns high marks for customer satisfaction.
-
Liberty Mutual: Provides all types of property/casualty insurance plus strong business coverage options.
-
Nationwide: Long-standing insurer with comprehensive insurance products for home, auto, life, business, farms, and more.
-
Travelers: Offers a wide variety of personal and commercial insurance products with excellent financial strength.
This list represents some of the largest insurers in Clearwater, but many smaller companies also provide quality coverage. Local independent agents give you access to policies from regional and national carriers all in one place.
How to Select the Best Insurance Company
With so many insurance options in Clearwater, it pays to shop around and do some research before choosing a carrier. Here are key factors to consider:
Financial Strength – Make sure the company is financially sound and can pay claims reliably. Review ratings from A.M. Best and Standard & Poor’s.
Coverage Options – Look for a full range of insurance products so you can bundle policies for discounts. Ask about any special coverages.
Price – Compare quotes from multiple insurers to find the best rates. But don’t choose price over reputation and service.
Reputation – Read reviews and check complaints with the Better Business Bureau to gauge customer satisfaction.
Local Presence – Having trusted local agents who know Clearwater provides personalized service.
Discounts – Taking advantage of discounts like safe driver, home security, multi-policy, and more keeps costs down.
Claims Service – Ask about the claims handling process and if policyholders are satisfied with payment speed and amount.
By weighing these key factors, Clearwater residents can zero in on insurance companies that offer the optimal blend of coverage, service, and affordability.
Popular Insurance Options in Clearwater
Common types of insurance that Clearwater households and businesses consider include:
Auto Insurance
Required in Florida, auto insurance protects your vehicles from damage and liability in accidents. Florida is a no-fault state so Personal Injury Protection (PIP) covers medical costs. Bodily Injury Liability covers injuries to others and Property Damage Liability repairs damage to other vehicles. Collision and Comprehensive policies are also recommended.
Homeowners Insurance
Home coverage shields your property and possessions from perils like fire, storms, theft, and more. Key elements are dwelling coverage, personal property, loss of use, personal liability, and medical payments to others. Flood insurance requires a separate policy.
Business Insurance
Policies like Commercial General Liability, Property Coverage, Business Interruption, Workers’ Compensation, Commercial Auto, and Professional Liability protect Clearwater businesses.
Life Insurance
Life insurance provides financial security for your loved ones in case of untimely death. Types include Term, Whole, and Universal Life.
Health Insurance
Medical insurance helps pay for doctor visits, hospital care, prescriptions, and more. Options include employer plans, individual policies, Medicare, and Medicaid.
Renters Insurance
Inexpensive renters insurance covers liability along with your personal property like furniture, clothes, and electronics. It also covers additional living expenses if your unit is uninhabitable.
Condo Insurance
Condo association policies cover shared structural elements like the building itself. But you need an HO-6 policy to protect your condo’s interior, possessions, liability coverage, etc.
Flood Insurance
Federal flood policies are vital because home and business policies don’t cover flood damage. Clearwater sits in high-risk zones so flood insurance is recommended.
Top Insurance Carriers in Clearwater, Florida
Now let’s take a closer look at a few of the leading insurance companies in Clearwater and what they offer local policyholders:
State Farm
State Farm is the #1 home and auto insurer in Florida with excellent financial strength and customer service. Their local Clearwater agents provide personalized advice to find the right mix of coverages and discounts. State Farm offers all standard policies plus banking, retirement planning and other financial services.
Allstate
Allstate has a strong presence in Clearwater and holds over $50 billion in assets. They offer auto, property, business and life insurance plus identity protection and warranty plans. Allstate prioritizes claims handling and has helpful online tools for customers to manage policies.
Nationwide
Nationwide draws praise for responsive claims service and highly-rated mobile apps. They insure homes, cars, businesses, farms, boats and more. Nationwide also provides banking, retirement plans, pet insurance and identity theft protection. Clearwater customers can bundle policies for further savings.
GEICO
Known for clever advertising and discount pricing, GEICO holds an A++ financial strength rating. As the second largest auto insurer in the U.S., they specialize in low-cost car insurance with easy quoting and claims. GEICO also offers homeowners, renters, condo, and business coverage.
Progressive
Progressive auto insurance is a popular choice in Clearwater for price-conscious drivers due to competitive rates and abundance of discounts. They also offer standard home policies plus options like identity theft and custom parts coverage. Progressive is praised for fast claims payment via their mobile app.
Why Work with a Local Independent Insurance Agent?
In addition to national carriers, local independent agencies provide personalized insurance services that benefit Clearwater residents in several ways:
- Represent multiple insurance companies to compare plans and pricing
- Offer objective advice on the best coverage options for your situation
- Simplify insurance by handling policies from different carriers
- Provide localized risk insight and claim-handling assistance
- Know the Clearwater community and build long-term relationships
- Deliver superior customer service that keeps clients satisfied
- Shop policies annually to get customers the best rates
Clearwater has many trusted independent insurance agencies with experience serving this community. They give you an advocate who shops on your behalf for quality coverage at the right price.
How to Choose the Best Insurance Company for Your Needs
Here are key tips for Clearwater residents and businesses choosing an insurance provider:
- Ask friends and neighbors who they use and why. Local referrals are invaluable.
- Work with an independent agent who can access multiple carriers.
- Make sure the company is licensed in Florida and financially strong.
- Check the insurer’s rating and complaints with objective third parties.
- Review sample policy contracts to understand coverages, limits, exclusions, and deductibles.
- Ask about add-ons like accident forgiveness, new car replacement, identity theft protection, flood coverage, etc.
- Inquire about any lifestyle or occupational discounts that may apply to you.
- Compare quotes from direct carriers and local agencies to find the best rate.
- Consider bundling home and auto policies with the same provider for multi-policy discounts.
- Prioritize responsive claims service and fast payment reputation.
- For businesses, look for an insurer that offers a full range of commercial policies.
Doing your due diligence lets you find insurance companies in Clearwater, FL that check all the right boxes in terms of pricing, service, and comprehensive coverage. Reviewing your options will ensure you select a great fit to protect your vehicles, home, condo, business, or other assets.
Contact Reliable Clearwater Insurance Agencies Today
Ready to explore insurance options with a reputable local agency? Clearwater has many trusted insurance professionals ready to help you. They will provide personalized service and advice to help you select the right carrier and customize the optimal policy. Get in touch today to discuss your insurance needs!
A Clearwater Insurance Agency That Gives Personalized Local Service
Calling the Coleman Insurance Agency will never connect you with a bot or someone in a different country. Every call is answered by one of our local insurance agents. Our skilled and experienced insurance agents try to answer every message as quickly as possible so that your concerns and questions are taken care of, if possible, the same business day.
The insurance policies that this Clearwater company makes will protect you, your family, your business, and everything you own.
Homeowners insurance gives you financial protection for your home and all the things you keep in it.
If you live on the water or have valuable items in your home, high value and waterfront home insurance can protect them even more.
Auto insurance provides protection against financial loss if you are ever involved in an unfortunate car accident.
Commercial business insurance protects your company from losing money in the event of a natural disaster, like a fire, tornado, hurricane, or other storm. ) lawsuits, injured employees, or even the death of your business partner.
When you own or run a mobile home or RV park, mobile home park insurance can protect you from accidents you might be responsible for or damage to the environment.
The Clearwater Insurance Agency That Offers the Best A-Rated Insurance Companies
There is only one place to go for all your insurance needs in Clearwater: Coleman Insurance Agency. They have great customer service and a lot of top-rated insurance companies to choose from. We are a local insurance company in Dunedin that takes pride in being easy to get to, caring for our customers, and giving them a wide range of insurance options. For home owner’s insurance, business auto insurance, commercial general liability insurance, business property insurance, auto insurance, and director and officers insurance (D&O), our Clearwater insurance agency can give you quotes. We strive to give you with a quote as quickly as possible, usually within 24 hours.
Coleman Insurance Agency works with the best insurance companies so that our customers can choose from options that they won’t find at any other Clearwater insurance agency. Our insurance agents can make a custom insurance package for all your insurance needs because we are a local insurance agency. They can combine the coverage you need with the policies you want. Finally, you have a better way to buy insurance from a Clearwater insurance agency.
Best and Worst Homeowners Insurance Companies in Florida (2024)
FAQ
Who has the cheapest Florida insurance?
Which insurance company has the highest customer satisfaction in Florida?
What is the number one car insurance in Florida?
What is the best insurance for seniors in Florida?
|
Name
|
Enrollment
|
Monthly Cost Range
|
|
Humana
|
677817
|
$0 – $95
|
|
UnitedHealthcare
|
387327
|
$0 – $197
|
|
Aetna Medicare
|
290785
|
$0 – $0
|
|
Blue Cross Blue Shield of Michigan
|
203862
|
$0 – $0
|
How does State Farm Insurance work in Clearwater?
With State Farm insurance in Clearwater, FL, we can keep you moving. Helpful coverage options for many drivers include liability, comprehensive, collision, medical payments, and uninsured or underinsured motorist. In the end, the coverage you choose will depend on what you’re looking to insure and your budget. With State Farm, you have options.
Do Clearwater companies have business insurance?
In fact, from liability to property damage to operating loss, our Clearwater companies have the same business insurance needs as big-name firms. And with the expertise of our business insurance agents, you can choose a business owner policy with confidence.
Who offers the best car insurance in Clearwater?
MoneyGeek found that State Farm is the top company offering the best car insurance in Clearwater. State Farm has the highest MoneyGeek score for a full coverage policy, showcasing a strong balance between customer satisfaction and affordability, which are the largest contributors to its top ranking.
How do I get a free car insurance quote in Clearwater?
Free quotes. The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Clearwater, State Farm provides the most affordable rates for the typical insurance customer. We’ve listed the best cheap car insurance companies in Clearwater below.