With miles of pristine sandy beaches and coastlines on both the Gulf of Mexico and Tampa Bay, Clearwater is a perfect home for water enthusiasts. Between snorkeling, paddle surfing with sea turtles, and boating in the bay, there’s plenty to keep Clearwater’s 116,000 residents busy.
But its proximity to the coast also means Clearwater is a destination for hurricanes, which can make finding affordable Florida condo insurance a chore. So let’s keep it simple. You’ll find out how much our condo insurance costs and how you can keep costs down. Let’s dive in.
How much is condo insurance in Clearwater?
Although Florida property insurance has a reputation for being expensive, we strive to keep condo costs low by selling directly to you (no outside agents) and using technology to cut overhead inefficiencies. We then pass those savings on to you.
The result? People who switch to Kin report saving an average of over $400 per year on their condo insurance.*
Want to see if you save as much? The best way to know is to get a quick quote.
Condo coverage for Clearwater’s natural disasters
In Clearwater, condo insurance covers your home for all perils except those listed as exclusions in the policy. That includes theft and vandalism. (Good thing, too, because Clearwater has a higher-than-average property crime rate.) But how does your HO6 policy respond to big disasters like hurricanes and sinkholes?
Hurricane coverage
The Clearwater hurricane season runs from June through November, but peaks in mid-August through September. For those who’ve lived in Clearwater for any period of time, you already know that even when storms don’t make a direct hit, damage still follows.
That’s why all our condo policies include hurricane insurance. A hurricane deductible applies when your home experiences damage from a named storm.
Sinkhole coverage
Sinkholes are a reality that looms over (well, under) Clearwater residents. The ground is filled with limestone. When saturated, like after a storm, limestone loses its form and erodes. The erosion can lead to a sinkhole.
All our condo policies include catastrophic ground cover collapse coverage that kicks in when your condo is damaged by abrupt ground collapse that results in a visible depression that causes authorities to condemn the dwelling.
How to keep Clearwater condo insurance affordable
Want to keep your condo insurance affordable? Take advantage of our insurance discounts and see what you qualify for. We reward our customer for having:
Another way to save: check out your deductibles. You can decrease your premium by taking on a slightly higher deductible. This also helps reduce the chance that you make small claims, which can also increase insurance premiums over time.
Get quality condo insurance for less. Get a quote today.
*Customers who switched to Kin report annual savings of $437 on average on their condo insurance. Based on Kin Customer Savings Survey conducted from January 2023 through January 2024. Potential savings may vary.
