Car, Homeowners, & Life Insurance Quotes in
Clearwater, FL - James Gardner

As a Personal Financial Representative in Clearwater, I know many local families. My knowledge and understanding of the people in this community help me provide customers with an outstanding level of service. I look forward to helping families like yours protect the things that are important – your family, home, car and more. I can also help you prepare a strategy to achieve your financial goals.

Community Services

Participates in Walk for a Cure for Pancreatic Cancer.

Playing Tennis to raise money for Big Brothers & Big Sisters Charities.

Sponsoring sports programs at Countryside High School

Sponsor for the Suncoast Tennis Foundation Tournament

Request An Appointment with James Gardner

Want to request an appointment for a call or visit? Use the calendar to pick the date you'd like to visit and then choose a time. While we can't guarantee agency availability, your request will route to the agency inbox and we'll do our best to accommodate your schedule.

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Your Insurance, On The Go

Scan your credit card to populate payment info within the app. Access policy information, keep a digital copy of your ID card and enjoy new roadside tools with the Allstate mobile app for iOS and Android.

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Protect What Matters Most

Whether it's your home, your family, your bike or your boat, see how Allstate can help protect the things that matter most to you in life.

Tips for Choosing Homeowners Insurance

If you're in the market for homeowners insurance, you may decide to get quotes from multiple insurers. In addition to comparing prices, it's important to compare the coverages that would be provided by each policy. Because the kinds of protections — and how much coverage they'll offer — can vary between policies, you'll likely want to ensure you're making an apples-to-apples comparison as you decide which policy best fits your needs.

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Rental Car Insurance

You found a great deal online for a car rental. But now you're standing at the rental counter, wondering if you need all the rental insurance offered and whether it's worth paying the higher price. Chances are you can avoid the unexpected expense, because the rental company's coverage may duplicate the auto insurance coverage you already have. Your credit card company may also offer insurance if you use their card for the rental. Avoid the confusion and stay in your vacation budget - talk to me about what's covered before you get to the rental counter.

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Rent Or Own Calculator

If you're wondering whether you should rent or own, there's a lot to consider. Aside from whether the space is right for you, how much maintenance you want to be responsible for and how to decorate, this decision can have financial implications. You'll need to consider monthly as well as long-term expenses in your decision. Use this calculator to help you compare the costs and whether renting or buying makes the most sense for you.

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Whole Life Insurance

You know life insurance is a great way to help protect your loved ones, but do you know what kind of life insurance might be best for you? If you're looking for life-long protection, predictable costs and a savings vehicle, whole life insurance might be a good fit. Take a look at this overview to see if it's something that interests you. I'd be happy to tell you more about whole life insurance and help you decide if it's the right choice for you.

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Small Business Insurance Needs

You know the ins and outs of your small business and what it takes to keep things running. But do you know how to help protect the business you've worked so hard to build? From merchandise to machinery to a home-based operation, there are a lot of coverage options available to choose from. This quick rundown of things you'll want to consider when insuring your small business is a great place to start. I know the effort a small business takes, and I'm here to help you protect your life's work.

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Cheap Motorcycle Coverage - Worth It?

You love the freedom that comes with your motorcycle and the open road, and paying a lot for insurance feels like taking away a bit of that joy. But the truth is that paying less now could mean paying more out of pocket for repairs and medical bills down the road. It's important to have the right coverage, and a cheap motorcycle insurance may not offer you the best protection. Consider these tips and ways to save as your shopping for motorcycle coverage.

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Motorhome Insurance Basics

If you own a motorhome or are thinking about purchasing one, here are some things you may want to consider when it comes to protecting your home on wheels.

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Condo Insurance

You found the perfect condominium, called about the utilities and have movers lined up. But before you move in, do you have the right coverage for your new home? Condos are unique in the way they are insured - both you and the condo association need policies. From common areas to personal property, it's important that you understand what your policy covers and what your condo association's insurance may help protect. Take a look at this overview of condominium insurance, and then let's make sure you have the coverage you need.

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Insurance Products & Services

Insurance is unlike any other product out there - you pay for it and hope you never have to use it. And that makes paying more than you need to that much more uncomfortable.

With a policy from Allstate, you can help keep your insurance costs low with the wide variety of discounts we offer. Keep in mind, not all discounts are available in every state. The best way to get all that you qualify for is to get an insurance quote specific to Clearwater.

You can get a rough "ballpark" insurance quote from many companies online, but talking with an agent allows you to ask questions and get a quote for coverage that matters most to you. As an Allstate agent, I can prepare a quote that details the coverage, deductibles (your portion of a loss) and cost (premium) of your insurance policy.

Insurance products and services offered at my Allstate agency include:

Auto Insurance
Car Insurance
Flood Insurance
Insurance
Life Insurance
Motorcycle Insurance
Home Insurance
Insurance Quote
Insurance Agency
Business Insurance
Annuities
Retirement
College Savings Plan

Contact

Phone

(727) 441-3054(727) 441-3054

Toll Free

(855) 581-1067(855) 581-1067

Fax

(727) 447-7789(727) 447-7789

Email:

jamesgardner3@allstate.com jamesgardner3@allstate.com

Address:

26238 US Highway 19 NClearwater, FL 33761

Get Directions

Landmarks:

US Highway 19 N and Enterprise Road in Clearwater. West side of US Highway 19 across from the Countryside Mall.

Areas Served:

Proud to serve the areas of Clearwater FL, East Lake FL, Palm Harbor FL. Call or email me today for a personalized insurance review.

Office Hours:

Mon	9:00 AM - 6:00 PM
Tue	9:00 AM - 6:00 PM
Wed	9:00 AM - 6:00 PM
Thu	9:00 AM - 6:00 PM
Fri	9:00 AM - 6:00 PM
Sat	Closed
Sun	Closed

After-Hours Appointments Available

Available 24/7 at (727) 441-3054

You can view my financial industry experience and background at FINRA’s BrokerCheck

Other Locations:

My Account

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What's the Difference Between Term and Permanent Life Insurance?
Plan Your Financial Future.
Buy vs. Lease Calculator
Mortgage Tax Credit Calculator

James Gardner - What's the Difference Between Term and Permanent Life Insurance?

James Gardner - Plan Your Financial Future.

James Gardner - Buy vs. Lease Calculator

James Gardner - Mortgage Tax Credit Calculator

Life insurance policies typically fall into two categories: term or permanent insurance. Which type of policy is right for you?

New Family? Nearing Retirement? Make sure you're doing all you can to protect the life you deserve—no matter what stage you're at in life.

What’s more cost efficient – buying or leasing a car? This calculator can help crunch the numbers.

Calculate your potential average yearly tax savings over the life of your mortgage.

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Protect What Matters Most

Whether it's your home, your family, your bike or your boat, see how Allstate can help protect the things that matter most to you in life.

Motorhome Insurance Basics

If you own a motorhome or are thinking about purchasing one, here are some things you may want to consider when it comes to protecting your home on wheels.

Learn More

Condo Insurance

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*Note: In Florida, Allstate agencies are authorized to represent a number of companies that are part of the Allstate family. Through these separate and distinct companies a wide variety of insurance products are available. For example, auto insurance in Florida is available from Allstate Insurance Company, Allstate Indemnity Company and Allstate Property and Casualty Insurance Company(Home Office:Northbrook, IL). Property insurance, such as homeowners, condominium owners and renters insurance is available in Florida from Castle Key Insurance Company and Castle Key Indemnity Company(Home Offices: St. Petersburg, FL).

It's important to note that Castle Key Insurance Company and Castle Key Indemnity Company are separate and distinct companies from each other and from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Life Insurance Company. This means, for example, that property insurance products provided by Castle Key Insurance Company and Castle Key Indemnity Company are not underwritten or reinsured by Allstate Insurance Company or Allstate Life Insurance Company.

James Gardner is insurance licensed in the state(s) of Florida and Nevada. If you do not reside in the state(s) of Florida or Nevada, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.

Subject to terms, conditions & availability.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. (877) 525-5727.

Check the background of this firm on FINRA's BrokerCheck website.

Car, Homeowners, & Life Insurance Quotes in Clearwater, FL - James Gardner

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About James Gardner - Clearwater Insurance Agent

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