Bonita Springs Insurance Rates:

Bonita Springs, FL home insurance is nearly $1,021 to $1,387, about $85-$115/month. Our detailed guide reveals consumers can save as much as $481 by getting different quotes

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Bonita Springs Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $1440/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Bath 1370 sqft Vacation Property Constructed In 2008 with Ceramic Tile Flooring, Tile Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Married Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $3790/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

3 Beds, 3 Bath 2120 sqft Seasonal Residence Constructed In 2007 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1060/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Bath 1590 sqft Rental Property Constructed In 2014 with Carpet Flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Divorced Female who is Retired and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $3770/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Bath 2350 sqft Seasonal Residence Constructed In 2011 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

Home Insurance Rate of $1230/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Baths 1470 sqft Vacation Property Constructed In 2005 with Carpet over wood flooring, Tile Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Swimming Pool, Smoke Alarm, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Single Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $3550/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 1800 sqft Vacation Property Constructed In 2014 with Stone Flooring, Composition Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $3670/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

4 Beds, 4 Baths 1890 sqft Primary Residence Constructed In 1991 with Wood Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $260/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1290 sqft Vacation Property Constructed In 2014 with Hardwood Flooring, Membrane Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $3370/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Bath 2460 sqft Rental Property Constructed In 2001 with Carpet Flooring, Tile Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Married Female who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $6000/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $455,000

4 Beds, 4 Baths 3230 sqft Vacation Property Constructed In 2001 with Stone Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $400/1 month for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $185,000

2 Beds, 2 Bath 1293 sqft Primary Residence Constructed In 2002 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Bonita Springs, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
34134 $402,600 $1,320
34135 $224,500 $1,210

Bonita Springs Rates & Quotes Analysis:

Bonita Springs Area Estimated House Insurance
Tampa Rd, Rita Ln, Pensacola Ave, Strike Ln, Unique Cir, Hacienda Vlg Dr SE, Creek Branch Ln, Bridgeford Ave, Taft Ct, Busy Bee Dr$1,211
S Riverside Dr, Pilgrims Way E, Astonia Way, Duchess Ln, Pine Run Ln, Light Blue Cir, Bonapartes Gull, Oliver Dr, Via Veneto, Kindlewood Ln$1,159
Vintage Trace Cir, Cobble Hill Rd, Ani Cir, Golf Lake Cir, Sunset Strip, Pueblo Bonito Blvd, Oak Forest Dr, Robert E Lee Blvd E, Barletta Ln, Channel 30 Dr$1,141
Red Fox Run, Georgia Rd, Pago Pago Ln, North Carolina Dr, Shriver Ave, Fairwinds Ln, Bonita Village Blvd, Morgan Rd, Cypress Dr S, Aron Ct$1,235
Red Root Ct, Pinson Dr, Sundancer Ct, Rockwood Ln, Malaga Rd, Commons Way, Poinciana Dr, Sombrero Dr, Big Bend Rd, Oak Strand Dr$1,232
Palmas Grandes Blvd, Washington St, Sungate Ct, Little Hickory Rd, Coconut Shores Dr, Lynx Ct, Lantern Ln E, Hidden River Ct, Homewood Dr, Captiva Island Ln$1,224
Dorado Dr, Treasure Cay Ln, Sawgrass Point Dr, Persimmon Pl, Watkins Ave, Somers Dr, Sandpiper Rd, Mamie St, Corkscrew Commons Dr, Stony Run Ct$1,252
S Tampa Rd, Notting Hill Ln, Myrtle Oak Ct SW, Sandy Ln, Bear Hollow Cir, Arbor Strand Dr, Saint Thomas Dr, Villagewalk Cir, Avocado Dr, Casselberry Ln$1,473
Lake Devonwood Dr, Fuchsia Rd, Red Cedar Dr, Cherry Dr, Royal Palm Dr, Shell Rd, Trost Blvd, Shaddock Rd E, Lake Harbor Ct, Trillium Rd$1,155
Shifting Sand Ave, Anglers Dr, Abernathy St, Sun Dew Ln, Dogwood Rd, Tennessee St, Citrus Dr, la Pluma Way, Harrell Ave, River Homes Ln$1,154

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,906 Homes (7% of total homes ) built between 1970 to 1979 in Bonita Springs are paying home insurance between $1,953-$1,971. Places close to Bonita Springs, FL such as Estero, Estero Island, Fort Myers Beach are more expensive by $36, $139, $158 respectively while Three Oaks and San Carlos Park are cheaper by $47 and $87 respectively for similar homes.
  • Bedrooms: 25,513 2 bedrooms homes (38% of total homes ) in Bonita Springs are paying about $699 compared to Estero (+$13), Estero Island (+$50), Fort Myers Beach (+$56), Three Oaks (-$16) and San Carlos Park (-$31).
  • Auto Insurance Bundling: 13,822 Households (43% of all households) in Bonita Springs have 2 vehicles available and when it is bundled with home insurance you can save $240. Discounts for similar bundling in close by locations such as Estero, Three Oaks, San Carlos Park come to $245, $235, $230 respectively.
  • Senior Discounts: 21,870 seniors (more than 55 years) occupied housing units (68% of total) in Bonita Springs get discounts between $180 to $183. The comparative concessions in proximate regions such as Estero, Three Oaks and San Carlos Park are $183, $176 and $172 respectively.
  • New Homes discounts: New homes such as the 44,997 homes built between 2000 to 2009 in Bonita Springs can save $240 and differs from Estero ($245), Three Oaks ($235), San Carlos Park ($230).

Bonita Springs Homeowners insurance Facts

  • Bonita Springs, FL has 31,782 owner occupied houses which is 79.3% of all units whereas Estero, Three Oaks and San Carlos Park have 86.29%, 90.55% and 68.2% respectively.
  • Bonita Springs, FL homeowners yearly insurance price at $1,204 is 0.54% of the typical house value of $222,100 which is in contrast with 0.47% in Estero, 0.67% at Three Oaks & 0.86% in San Carlos Park.
  • Homeowners in Bonita Springs, FL pay 1.61% of their income ($75,000 or more) in insurance whereas homeowners in Estero, Three Oaks and San Carlos Park pay 1.63%, 1.57% and 1.53% respectively.
  • Bonita Springs, FL’s insurance is 5.6% of monthly housing costs of $1,809/month, for owners with a mortgage compared to 5.06% in Estero, 5.22% at Three Oaks & 6.61% in San Carlos Park. But, for households without a mortgage, insurance is 16.9% of costs ($594 in Bonita Springs, FL) in contrast with 15.16% in Estero, 23.39% at Three Oaks & 22.84% in San Carlos Park.

Bonita Springs, FL Home Values & Insurance rates

For example, insurance for 2,111 Homes (8.0% of total homes ) valued between $100,000 to $124,999 in Bonita Springs, FL is about $589. Rates in nearby areas in such as Estero, Estero Island, Fort Myers Beach are cheaper by $75, $215, $225 respectively while Three Oaks and San Carlos Park are costlier by $151 and $354 respectively for similar homes.

Bonita Springs, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,644 6.0% $132
$50,000 to $59,999 624 2.0% $276
$60,000 to $69,999 913 3.0% $349
$70,000 to $79,999 1,051 4.0% $397
$80,000 to $89,999 676 2.0% $457
$90,000 to $99,999 854 3.0% $505
$100,000 to $124,999 2,111 8.0% $589
$125,000 to $149,999 1,856 7.0% $734
$150,000 to $174,999 2,486 10.0% $878
$175,000 to $199,999 1,873 7.0% $1011
$200,000 to $249,999 4,077 16.0% $1216
$250,000 to $299,999 2,754 11.0% $1492
$300,000 to $399,999 3,908 15.0% $1890

Renters Insurance in Bonita Springs

  • Average Renters Insurance in Bonita Springs :  $113($9/month)

  • Median Gross Rent in Bonita Springs :  $1,041

  • Bonita Springs Renters Insurance to Median Rent Ratio:  0.86%

  • Average household size of renter-occupied unit :  2.95

Bonita Springs Renters Insurance as a Percentage of Rent

Bonita Springs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 97 1.0% $1228
$500 to $749 1,049 13.0% $1903
$750 to $999 2,466 31.0% $2653
$1,000 to $1,499 3,147 39.0% $3778
$1,500 or more 1,091 13.0% $5428

Rent Affordability in Bonita Springs:

Approximately 49.0% (4,134) of households are spending more than 35% of their income on gross rent in Bonita Springs

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 755 9.0%
15.0 to 19.9 percent 802 9.0%
20.0 to 24.9 percent 962 11.0%
25.0 to 29.9 percent 939 11.0%
30.0 to 34.9 percent 724 8.0%
35.0 percent or more 4,134 49.0%

Protective device discount in Bonita Springs Up to :  $16

Claims-free discount in Bonita Springs Up to :  $22