Cape Coral Insurance Rates:

Cape Coral, FL home insurance is roughly $986 to $1,339, about $82-$111/month. Our in depth research indicates shoppers can save upto $465 by getting different quotes

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Cape Coral Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $1280/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Baths 1320 sqft Primary Residence Constructed In 2005 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $2840/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Baths 2500 sqft Primary Residence Constructed In 1986 with Ceramic Tile Flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

Home Insurance Rate of $2100/4 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $315,000

4 Beds, 4 Baths 3360 sqft Primary Residence Constructed In 1994 with Stone Flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $2900/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Baths 1510 sqft Vacation Property Constructed In 2013 with Carpet over wood flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $2480/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

5 Beds, 5 Bath 2560 sqft Primary Residence Constructed In 1984 with Stone Flooring, Tile Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $1040/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $205,000

5 Beds, 5 Baths 2740 sqft Seasonal Residence Constructed In 1992 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Single 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 :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $2650/8 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 1994 sqft Primary Residence Constructed In 2007 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Cape Coral, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
33993 $144,500 $1,160

Cape Coral Rates & Quotes Analysis:

Cape Coral Area Estimated House Insurance
Sunset Cir, SW 41st St, Andalusia Blvd, SE 19th St, Elm Ct, SW 15th Ter, SE el Dorado Pkwy, SW 32nd Ln, NE 15th Ct, NE 4th St$1,173
NW 5th Ave, SE 20th Ave, SE 17th St, Green Valley Ct, SW 39th St, SW 22nd Ter, SE 1st Ave, SW 59th Ter, NE 7th Ter, SW 2nd Ct$1,165
Blackburn Ci, SW 31st Ter, SW 22nd Ln, SE 23rd Ter, NW 37th Pl, Sunset Ln, NW 9th Ave, NW 37th St, Willow Branch Dr, SW 40th Ter$1,178
NW 3rd St, SE 23rd Pl, NE 3rd Ave, SW 16th Pl, Harbour Cir, NE 13th Ave, NW 36th Ave, SW 17th St, Crooked Arrow Ct, Cocoa Ct$1,161
NW 13th Ave, SE Van Loon Ter, W Retunda Pkwy, SW 58th St, NW 12th Ln, Everest Pkwy, SW 4th Ln, SW 33rd Ave, NW 34th Ter, NW 7th Ter$1,166
SE 14th St, NE 44th St, SW 12th Ave, NE 29th Ter, Calusa Ct, NW 40th Ter, Laurentina Ln, NW 10th St, SW 6th St, NW 39th Ave$1,216
NW 7th Ave, SW 12th St, NW 20th Ave, NE 39th St, E Retunda Pkwy, NW 16th Ter, NW 20th Pl, Sunset Ct, SE 23rd Pl, SE 8th Ct$1,123
SW 15th Ave, Sunrise Ave, NE 3rd Ave, NW 14th St, SE 19th Ave, SE 5th St, St Jack Blvd, Concordia Lake Cir, SE 5th St, SW 23rd Ct$1,120
NE 2nd Pl, NW 39th St, NW 45th Ter, Seagull Ct, SE 21st Ct, SW 20th Ave, SW 53rd St, SE 38th Ter, Sandy Cir, NW 11th St$1,208
SE 43rd Ter, Ramble Dr, SE 30th Ln, Via Estrella, SW 58th Ter, NE 1st Ave, SW 35th Ter, la Paloma Blvd, SE 47th Ter, NW 19th St$1,119

Insurance rates are influenced by a number of factors including:

  • Year Built: 14,122 Homes (16% of total homes ) built between 1990 to 1999 in Cape Coral are paying home insurance between $1,678-$1,695. Places close to Cape Coral, FL such as Matlacha Isles-Matlacha Shores, Matlacha, Pine Island Center are more expensive by $92, $158, $10 respectively while Suncoast Estates and Pine Manor are cheaper by $90 and $72 respectively for similar homes.
  • Bedrooms: 50,749 3 bedrooms homes (58% of total homes ) in Cape Coral are paying about $861. Areas near to Cape Coral such as Matlacha Isles-Matlacha Shores, Matlacha, Pine Island Center are costlier by $47, $82, $5 respectively whereas Palmona Park and Suncoast Estates are more economical by $31, $46 respectively for similar homes.
  • Auto Insurance Bundling: 6,468 Households (13% of all households) in Cape Coral have 3 or more vehicles available and when it is bundled with home insurance you can save $290. Discounts for similar bundling in close by locations such as Matlacha, Lochmoor Waterway Estates, Palmona Park come to $318, $291, $276 respectively.
  • Senior Discounts: 26,577 seniors (more than 55 years) occupied housing units (57% of total) in Cape Coral get discounts between $174 to $176. The comparative concessions in proximate regions such as Matlacha Isles-Matlacha Shores, Matlacha and Lochmoor Waterway Estates are $184, $190 and $174 respectively.
  • New Homes discounts: New homes such as the 49,217 homes built between 2000 to 2009 in Cape Coral can save $232 and similar new home insurance discounts in nearby towns and cities like Matlacha Isles-Matlacha Shores, Matlacha and Lochmoor Waterway Estates are $245, $254 and $233 respectively.

Cape Coral Homeowners insurance Facts

  • Cape Coral, FL has 46,236 owner occupied houses which is 74.3% of all units whereas Matlacha Isles-Matlacha Shores, Matlacha and Lochmoor Waterway Estates have 100.0%, 58.87% and 74.5% respectively.
  • Cape Coral, FL homeowners yearly insurance price at $1,163 is 0.76% of the typical house value of $152,700 which is in contrast with 0.47% in Matlacha Isles-Matlacha Shores, 0.38% at Matlacha & 0.75% in Lochmoor Waterway Estates.
  • Homeowners in Cape Coral, FL pay 5.17% of their income ($20,000 to $24,999) in insurance whereas homeowners in Matlacha, Lochmoor Waterway Estates and Palmona Park pay 5.66%, 5.18% and 4.92% respectively.
  • Cape Coral, FL’s insurance is 6.3% of monthly housing costs of $1,549/month, for owners with a mortgage compared to 8.43% in Matlacha Isles-Matlacha Shores, 7.89% at Matlacha & 7.12% in Lochmoor Waterway Estates. But, for households without a mortgage, insurance is 18.3% of costs ($529 in Cape Coral, FL) in contrast with 16.52% in Matlacha Isles-Matlacha Shores, 17.53% at Matlacha & 20.06% in Lochmoor Waterway Estates.

Cape Coral, FL Home Values & Insurance rates

For example, insurance for 5,124 Homes (12.0% of total homes ) valued between $200,000 to $249,999 in Cape Coral, FL is about $1,709. Rates in nearby areas in such as Matlacha Isles-Matlacha Shores, Matlacha, Lochmoor Waterway Estates are cheaper by $654, $869, $32 respectively while Fort Myers and Cypress Lake are costlier by $85 and $332 respectively for similar homes.

Cape Coral, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,787 6.0% $186
$50,000 to $59,999 1,413 3.0% $395
$60,000 to $69,999 1,437 3.0% $488
$70,000 to $79,999 2,428 5.0% $569
$80,000 to $89,999 2,662 6.0% $639
$90,000 to $99,999 2,339 5.0% $721
$100,000 to $124,999 5,973 14.0% $837
$125,000 to $149,999 3,543 8.0% $1046
$150,000 to $174,999 5,033 11.0% $1232
$175,000 to $199,999 2,547 6.0% $1418
$200,000 to $249,999 5,124 12.0% $1709
$250,000 to $299,999 3,245 7.0% $2093
$300,000 to $399,999 3,519 8.0% $2663

Renters Insurance in Cape Coral

  • Average Renters Insurance in Cape Coral :  $157($13/month)

  • Median Gross Rent in Cape Coral :  $1,027

  • Cape Coral Renters Insurance to Median Rent Ratio:  1.27%

  • Average household size of renter-occupied unit :  2.99

Cape Coral Renters Insurance as a Percentage of Rent

Cape Coral Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 237 1.0% $1239
$500 to $749 1,780 11.0% $1914
$750 to $999 5,107 33.0% $2664
$1,000 to $1,499 6,322 41.0% $3789
$1,500 or more 1,830 11.0% $5439

Rent Affordability in Cape Coral:

Approximately 52.0% (8,319) of households are spending more than 35% of their income on gross rent in Cape Coral

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,057 6.0%
15.0 to 19.9 percent 1,598 10.0%
20.0 to 24.9 percent 1,692 10.0%
25.0 to 29.9 percent 1,945 12.0%
30.0 to 34.9 percent 1,361 8.0%
35.0 percent or more 8,319 52.0%

Cape Coral Renters Insurance Discounts:

Cape Coral Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Cape Coral, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 8,347 52.0% $15.7
2 vehicles available 5,201 32.0% $23.55
3 or more vehicles available 1,221 7.0% $31.4

Cape Coral Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,286 8.0% $102
60 to 64 years 980 6.0% $82
65 to 74 years 1,310 8.0% $66
75 years and over 988 6.0% $51

Protective device discount in Cape Coral Up to :  $23

Claims-free discount in Cape Coral Up to :  $31