An Excess & Surplus Lines MGA in Clearwater, FL


homeownersClearwater Underwriters has been in the Florida Homeowners insurance market since 1997. We write Dwellings and Homeowners risks that are difficult to write throughout the west coast and central Florida area. Sinkhole claim history has been our specialty. We exclude the peril of sinkhole on all policies.

If your insured would like, we also also a policy with a Named Storm Exclusion. This policy provides wind coverage with the exception of damage caused by a Named storm. Please see the form or discuss with our underwriting team if you’d like more information on this policy type.

We will write dwellings from $35,000 up to $1,000,000 for section “A”

Dwellings that are owned by Trust, Corporations and LLC are eligible for DP-3.

The following are the Lines of Business we offer:

  • HO3
  • HO6
  • HO8
  • DP1
  • DP3
  • Vacant / Renovations

Online Applications are available in Agent Resources.

Severe Weather Bulletin - Moratorium

During Hurricane Season, agents may not bind applications for new coverage or policy changes for increased coverage, regardless of effective date, when a tropical storm, hurricane watch or warning has been issued by the National Weather Service for any part of the state of Florida or the Southeast region of the United States.


Due to the Florida market conditions, we will no longer be writing mobile home dwelling policies in 2022.