Three Bridges Insurance
2451 McMullen Booth Rd, Ste 226, Clearwater, FL 33759
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2451 McMullen Booth Rd, Ste 226, Clearwater, FL 33759
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Clearwater residents.
Clearwater homeowners insurance averages between $2,650 and $4,346 per year depending on your specific location and home characteristics. Beachfront properties on Clearwater Beach typically pay significantly more—often $7,000 or higher annually—while mainland homes closer to Safety Harbor or Palm Harbor tend toward the lower end of the range. Your actual cost depends on factors like your home's age, roof condition, proximity to water, and whether you have wind mitigation features.
Flood insurance is required by mortgage lenders if your Clearwater home is located in a designated high-risk flood zone. Given that Clearwater is surrounded by water on three sides, many properties fall into these zones. Even if you're not required to carry it, flood insurance is highly recommended because standard homeowners policies don't cover any flood damage. Flood insurance through the National Flood Insurance Program averages $792 to $865 per year in Florida, though Gulf Coast properties often pay more.
A wind mitigation inspection typically costs around $100 and can save you 25-40% on your annual homeowners insurance premium. On a $4,000 premium, that's $1,000 to $1,600 in annual savings. Florida law requires insurers to offer discounts for wind-resistant features like reinforced roof attachments, impact windows, and hurricane shutters. The inspection is valid for five years, and it often pays for itself within the first month.
Clearwater Beach sits on a barrier island that faces direct hurricane wind and storm surge exposure. Insurance companies have extensive claims data showing barrier island properties sustain more frequent and severe damage during tropical storms and hurricanes. Beach properties typically cost 2-3 times more to insure than comparable mainland homes. Additionally, many carriers won't write policies on barrier islands at all, which reduces competition and drives up prices for those carriers that do.
Most Florida insurance carriers won't write policies on homes with roofs older than 15-20 years, or they'll exclude roof coverage entirely. If your roof is approaching or past this age, you'll likely need to replace it to get affordable coverage. A roof replacement costs $15,000 to $25,000 for a typical Clearwater home but can save thousands per year in premiums and make your home insurable. Many buyers negotiate roof replacements with sellers before closing to avoid this issue.
Yes, there are early signs of stabilization. Florida homeowners insurance costs dropped slightly in late 2024 for the first time since 2022, and Citizens Property Insurance cut rates by 5.6% in 2025. While rates haven't returned to pre-crisis levels, the market appears to be stabilizing after years of dramatic increases. This makes 2025 a relatively good time to shop for coverage in Clearwater compared to the volatile market of recent years.
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