Save On Home Insurance in Clearwater, FL | TGS Insurance Agency

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Homeowners Insurance  »  Florida  »  

Clearwater

Discover the Ease of Insurance Shopping with TGS: We Find the Best Coverage for You

 

At TGS Insurance Agency, we excel as an independent agency representing over 55 top-rated insurance carriers. This extensive network allows us to offer a broad range of comprehensive home insurance options tailored to your specific needs. We simplify the insurance shopping process by doing the heavy lifting for you. Starting with an instant, free quote, our knowledgeable agents customize your policy and find every possible discount. Our goal is to provide you with the best coverage at the best price, ensuring a stress-free experience. With TGS Insurance Agency, we shop so you can save. It’s really that easy.

 

What Does Home Insurance in Clearwater Cover?

 

Home insurance policies generally encompass several critical types of coverage, offering a broad range of protection:

  • Coverage A: Safeguards your home against damage.
  • Coverage B: Protects additional structures on your property, such as detached garages, sheds, and fences.
  • Coverage C: Covers personal property, including furniture, electronics, and clothing.
  • Coverage D: Provides for additional living expenses if your home becomes uninhabitable due to a covered incident.
  • Coverage E: Offers personal liability protection, covering claims resulting from accidents on your property.
  • Coverage F: Pays for medical expenses incurred by non-household members injured on your property.

 

When it comes to home insurance in Clearwater, you have plenty of choices. Standard policies typically protect against various losses, including damage from weather events, theft, and accidents. However, not all policies are the same. That’s why working with a knowledgeable agent is essential to help you navigate the complexities of home insurance and customize your coverage to meet your specific needs. Whether you require more protection for your personal belongings or extra liability coverage, we’re here to ensure you’re fully protected.

 

What’s the Cost of Home Insurance in Clearwater?

 

Typically, TGS clients in Clearwater spend around $4,346 annually for home insurance. Insurance premiums are influenced by various elements, such as the age and value of your home, its location, your credit history, and the extent of coverage you choose. This figure is calculated for policies covering homes valued at approximately $387,610 and includes windstorm and hail protection with a 2% deductible. At TGS Insurance Agency, we offer flexible insurance solutions tailored to your needs, ensuring you get the coverage you want at a price you’re comfortable with. Start by obtaining a free, instant home insurance quote by entering your address above.

 

Understanding Dwelling Coverage Impact on Premium in Clearwater

Dwelling coverage is a vital part of home insurance, safeguarding the physical structure of your home against covered hazards. Your policy typically offers coverage up to a certain dollar amount, known as the policy limit. It’s essential to set a dwelling coverage limit high enough to cover the full cost of rebuilding your home if it were to be completely destroyed.

 

The dwelling coverage limit plays a significant role in determining your home insurance premium. Generally, higher coverage limits translate to higher premiums because the insurer takes on more risk. Below is a summary of the average home insurance premiums based on varying dwelling coverage limits.

 

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$200,000 - $299,999$3,164
$300,000 - $399,999$3,813
$400,000 - $499,999$4,921
$500,000 - $599,999$6,012
$600,000 - $699,999$6,998
$700,000 - $799,999$7,986
$800,000 - $899,999$8,869

 

Clearwater Home Insurance Rates By Home Age

 

The age of a home plays a crucial role in determining home insurance rates. Insurers typically charge higher premiums for older homes because they are more likely to have outdated infrastructure, such as electrical systems, plumbing, and heating, which can increase the risk of fires, water damage, and other costly incidents. Older homes may also be built with materials that have deteriorated over time or do not meet contemporary safety standards. In contrast, newer homes usually benefit from modern construction practices, enhanced safety features, and up-to-date building codes, all of which contribute to a lower likelihood of damage and, therefore, lower insurance premiums.

 

In Clearwater, TGS Insurance customers with homes older than 25 years pay an average annual premium of $4,893, while those with newer homes pay approximately $2,236. This disparity illustrates the significant impact of home age on insurance premiums, with older homes incurring higher costs due to a higher risk of potential claims.

 

Understanding How Home Insurance Rates Vary by Carrier

 

Home insurance rates can vary widely by carrier due to several factors. Each insurance company uses its own unique formula to assess risk, which includes evaluating the location, age, and condition of the home, as well as the homeowner’s claim history and credit score. Additionally, carriers may have different underwriting guidelines and coverage options, which can influence premium costs. Some insurers might offer discounts for bundling policies, installing security systems, or having a claims-free history, while others may charge more based on regional risks or past natural disasters. Moreover, the level of customer service and financial stability of the carrier can also impact rates, as well-established companies with a strong reputation might charge higher premiums to account for their reliability and comprehensive coverage options. Consequently, it’s important for homeowners to compare quotes from multiple carriers to find the best coverage and rate for their specific needs.

 

Clearwater Zip Codes We Insure

 

3375533756337573375833759
3376033761337623376333764
337653376633769

 

Didn’t see your zip code? No problem! We’re here to help homeowners all across Florida find the right home coverage. Start with a free instant quote by entering your address above.

TGS Insurance is Clearwater's Premier Home Insurance Provider

Clearwater neighborhood

Clearwater, Florida, is famous for its pristine beaches and clear gulf waters. Known for its vibrant Pier 60 and the Clearwater Marine Aquarium, the city offers a perfect blend of outdoor fun, family-friendly attractions, and a lively arts scene.

Clearwater neighborhood

At TGS Insurance Agency, we offer personalized insurance coverage tailored to meet the unique needs of our Clearwater residents. Our dedicated team delivers exceptional service and competitive rates. Protect what matters most with a free quote today.

Key Home Statistics in Clearwater

116,850

Total Population in Clearwater, FL

$375,117

Average Home Value in Clearwater, FL

$59,398

Median Household Income in Clearwater, FL

46

Median Age in Clearwater, FL

Trust TGS Insurance in Clearwater

Data as of December 09, 2024

24,189

Total
Customers

$10.1 B

Total Assets Covered Projected

24,000

Total Homes Insured

9,000

Total Vehicles Insured

Major Neighborhoods in Clearwater, FL

Image of Clearwater Beach Neighborhood

Clearwater Beach

Clearwater Beach is a vibrant coastal community with beautiful beaches, waterfront properties, and a lively mix of shops and restaurants.

Image of Island Estates Neighborhood

Island Estates

Island Estates offers luxurious waterfront living with stunning views, private docks, and close proximity to Clearwater Beach and amenities.

Image of Morningside Estates Neighborhood

Morningside Estates

Morningside Estates is a family-friendly neighborhood with spacious homes, community parks, and a welcoming atmosphere perfect for families.

Local Home Resources in Clearwater, FL

Fire Departments
Clearwater Fire & Rescue610 Franklin St
Clearwater, FL 33756
(727) 562-4327
Clearwater Fire Dept534 Mandalay Ave
Clearwater, FL 33767
(727) 462-6221
Clearwater Fire Fighters806 Lakeview Rd
Clearwater, FL 33756
(727) 442-8419
Palm Harbor Fire Department250 Lake Rd
Clearwater, FL 33764
(727) 784-0454
Pinellas Park City - Fire Department- Fire Administration Business Of11350 43rd St N
Clearwater, FL 33762
(727) 541-0712
Police Departments
Clearwater Police Beach Sub700 Bayway Blvd
Clearwater, FL 33769
7274626370
Clearwater Police Beach Sub645 Pierce St
Clearwater, FL 33756
7275624242
Clearwater Police Beach Sub700 Bayway Blvd
Clearwater, FL 33767-2609
727-462-6370
Clearwater Police Beach Sub645 Pierce St
Clearwater, FL 33756-5400
727-562-4119
Clearwater Police Department645 Pierce St
Clearwater, FL 33756
7274620175
Clearwater Police Dept645 Pierce St
Clearwater, FL 33756
7275624420
Pinellas County Sheriff Office4801 145th Ave N
Clearwater, FL 33762
7274646370
Police Department645 Pierce St
Clearwater, FL 33756
7274620175