iInsure is an independent agency serving Clearwater and all of Pinellas County. We shop dozens of top-rated carriers to find Clearwater families and businesses the right coverage, home, auto, business, boat, and life, for less.
Whether you're insuring a home, a car, your business, or your boat in Clearwater, you deserve an agent who works for you, not for one insurance company. As an independent agency, we compare dozens of A-rated carriers to find Clearwater residents the best coverage at the best price, and we handle the whole thing by phone and online, so you get local expertise without an office visit. We also serve nearby Largo, Dunedin, and Palm Harbor.
Clearwater's Gulf-front location is its biggest draw, and its biggest insurance factor. Properties near Clearwater Beach, Island Estates, and the Intracoastal carry significant wind and flood exposure, so we make sure storm coverage and a separate flood policy are part of the conversation, not an afterthought.
Further inland toward Countryside and the US-19 corridor, storm-surge risk drops, but wind coverage still matters across all of Pinellas. Clearwater's mix of year-round residents, seasonal snowbirds, and vacation properties means coverage needs vary widely, a seasonally-occupied condo is insured very differently than a primary home. As an independent agency, we match Clearwater homeowners, condo owners, and boat owners with the carriers best suited to coastal property and hunt for every wind-mitigation and bundling discount.
Homeowners, condo & renters, with the wind & flood options Florida needs.
Home insurance →Liability, workers' comp & commercial auto for Clearwater businesses.
Business insurance →Already insured in Clearwater? We'll check for gaps and overpayment, free.
Free policy check →That's the independent advantage: we shop the whole market and stack every discount you qualify for.
We compare rates apples-to-apples so you don't have to call around Clearwater.
We find the discounts in the details and close the gaps that leave you exposed.
We know Florida risk and answer when you call, by phone or online.
We write coverage across Pinellas County and the surrounding area, including Largo, Dunedin, and Palm Harbor, and all of Florida.
Get your Clearwater quote →If you're near Clearwater Beach, Island Estates, or the Intracoastal, almost certainly, and your lender may require it. We confirm your flood zone and quote a separate flood policy so you're not exposed.
We're an independent agency serving Clearwater and all of Florida by phone and online, so you get local expertise and the best rates without driving to an office. Just call, text, or request a quote and we'll handle the rest.
It depends on your coverage, property, and history, and Florida runs higher than the national average. The fastest way to lower it is to compare carriers, which we do for you free.
A captive agent sells one company's policies. We shop dozens of carriers and build coverage around your needs and budget, not a quota.
Tell us what you need and we'll bring back your best options, usually the same day. Stop overpaying.