Fort Myers Insurance Rates:

Fort Myers, FL home insurance is roughly $982 to $1,333, about $81-$111/month. Our complete guide indicates shoppers can save as much as $463 by getting many quotes

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Fort Myers, Florida Homeowners share the good, bad & ugly reviews of thier insurance providers so that you can compare quotes from the best

Fort Myers Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $2610/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $270,000

4 Beds, 4 Baths 2640 sqft Primary Residence Constructed In 1998 with Stone Flooring, Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Divorced Male who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1180/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1250 sqft Rental Property Constructed In 1983 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $3510/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Bath 2740 sqft Primary Residence Constructed In 2013 with Hardwood Flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $1010/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Baths 2710 sqft Vacation Property Constructed In 2001 with Carpet Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Smoke Alarm, Swimming Pool, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Single Female who has a Full Time Job with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $2040/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1570 sqft Seasonal Residence Constructed In 1981 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $2000/6 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $145,000

2 Beds, 2 Bath 1043 sqft Primary Residence Constructed In 1998 with Carpet over wood flooring, Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Fort Myers, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
33917 $93,800 $1,140
33916 $79,100 $1,130
33903 $71,000 $1,120
33913 $245,600 $1,240
33912 $228,300 $1,240
33908 $197,500 $1,200
33901 $146,300 $1,170
33907 $121,000 $1,150

Fort Myers Rates & Quotes Analysis:

Fort Myers Area Estimated House Insurance
Blasingim Rd, Downing Ln, Golfview Ave, Michelle Way, Cypress Dr, Kelly Sands Way, Little Bay St, Lakefront Ct, Harold Ave, Lakefront Ct$1,153
Candle Dr, Governors Dr, Plumosa Dr, Marben Dr, Halgrim Ave, Crystal Cove Ct, Palm Woode Dr, McCann St, Country Rd, S Grimsley Ct$1,147
E St N, Augusta Dr SW, Pendragon Ln, Walden Dr, Arlington St, Maine Ave, Bonita St, Ironbridge Blvd, Mallard Ct, N Fountainhead Rd$1,156
Roble Ln SW, Belle Meade Dr, Heather Ridge Loop, Maravilla Cir, Bessie Ave, Southmont Cove, Cheshire Dr, Coves End Dr, Swan Lake Dr, Coronet St$1,136
Oakbrook Ct, Camelia Dr, Caracas Ct, Cactus Dr, Quinto Ln SW, Dartmoor Way, Dexter Dr, Commerce St, Omai Ct, Queens Dr$1,187
Pioneer Ct, Coriander Ln, Hole in 1 Cir, Logo Ct, Creekside Ln, Keenan Ave, Live Oak Dr, Cypress Ter, Bayberry Bend, Deer Run Farms Rd$1,166
Mandolin Bay Dr, Tredegar Dr, Short St, Jova Trl, Columbia Cir, Pintail Dr, Bellair Rd, SE Ponderosa Way, Sumter Dr, Falconwood Ct$1,112
Erie Trl, Pacific Pines Ave, Williams Dr, Morse Plz, Lucca St, Bennington Dr, Royal Palm Ave, W 1st St, Lime St, Dwarf Ginseng Dr$1,203
Mesa Dr, Briarcliff Rd, Tozer Ct, Timberline Cir, Armeda Ave, Bridle Ln, Brown St, K St S, Granada Rd, Central Ave$1,146
Basin Cir SW, Miami Trl, Panther Ln, Bass Rd, Neptune Ln, Davis St, Simpson St, Parkway St, Guana Ct, Red Poinciana Dr$1,153

Insurance rates are influenced by a number of factors including:

  • Year Built: 19,518 Homes (20% of total homes ) built between 1970 to 1979 in Fort Myers are paying home insurance between $1,877-$1,895. Places close to Fort Myers, FL such as Lee County, Whiskey Creek, McGregor are more expensive by $15, $43, $80 respectively while Cypress Lake and Villas are cheaper by $16 and $25 respectively for similar homes.
  • Bedrooms: 45,121 2 bedrooms homes (48% of total homes ) in Fort Myers are paying about $672. Areas near to Fort Myers such as Lee County, Whiskey Creek, McGregor are costlier by $5, $15, $29 respectively whereas Cypress Lake and Villas are more economical by $6, $9 respectively for similar homes.
  • Auto Insurance Bundling: 13,480 Households (35% of all households) in Fort Myers have 2 vehicles available and when it is bundled with home insurance you can save $231. Discounts for similar bundling in close by locations such as Lee County, Cypress Lake, Whiskey Creek come to $233, $229, $236 respectively.
  • Senior Discounts: 26,600 seniors (more than 55 years) occupied housing units (70% of total) in Fort Myers get discounts between $173 to $176 compared to Lee County ($175), Cypress Lake ($172), Whiskey Creek ($177).
  • New Homes discounts: New homes such as the 42,493 homes built between 2000 to 2009 in Fort Myers can save $231 and similar new home insurance discounts in nearby towns and cities like Lee County, Cypress Lake and Whiskey Creek are $233, $229 and $236 respectively.

Fort Myers Homeowners insurance Facts

  • Fort Myers, FL has 37,780 owner occupied houses which is 61.7% of all units whereas Fort Myers, Cypress Lake and Whiskey Creek have 61.69%, 74.73% and 94.01% respectively.
  • Fort Myers, FL homeowners yearly insurance price at $1,158 is 0.8% of the typical house value of $145,000 which is in contrast with 0.8% in Fort Myers, 0.91% at Cypress Lake & 0.63% in Whiskey Creek.
  • Homeowners in Fort Myers, FL pay 3.09% of their income ($35,000 to $39,999) in insurance whereas homeowners in Fort Myers, Cypress Lake and Whiskey Creek pay 3.09%, 3.06% and 3.16% respectively.
  • Fort Myers, FL’s insurance is 6.5% of monthly housing costs of $1,492/month, for owners with a mortgage compared to 6.47% in Fort Myers, 7.38% at Cypress Lake & 5.77% in Whiskey Creek. But, for households without a mortgage, insurance is 17.7% of costs ($544 in Fort Myers, FL) in contrast with 17.74% in Fort Myers, 19.04% at Cypress Lake & 17.16% in Whiskey Creek.

Fort Myers, FL Home Values & Insurance rates

For example, insurance for 2,634 Homes (7.0% of total homes ) valued between $250,000 to $299,999 in Fort Myers, FL is about $2,200. Rates in nearby areas in such as Whiskey Creek, McGregor, Iona are cheaper by $484, $752, $205 respectively while Cypress Lake and Villas are costlier by $288 and $415 respectively for similar homes.

Fort Myers, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,287 15.0% $196
$50,000 to $59,999 1,457 4.0% $416
$60,000 to $69,999 1,515 4.0% $509
$70,000 to $79,999 1,358 4.0% $590
$80,000 to $89,999 1,745 5.0% $671
$90,000 to $99,999 1,216 3.0% $752
$100,000 to $124,999 3,935 11.0% $868
$125,000 to $149,999 2,967 8.0% $1088
$150,000 to $174,999 3,287 9.0% $1296
$175,000 to $199,999 2,344 6.0% $1493
$200,000 to $249,999 3,485 10.0% $1794
$250,000 to $299,999 2,634 7.0% $2200
$300,000 to $399,999 2,492 7.0% $2790

Renters Insurance in Fort Myers

  • Average Renters Insurance in Fort Myers :  $163($13/month)

  • Median Gross Rent in Fort Myers :  $881

  • Fort Myers Renters Insurance to Median Rent Ratio:  1.48%

  • Average household size of renter-occupied unit :  2.51

Fort Myers Renters Insurance as a Percentage of Rent

Fort Myers Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 433 1.0% $790
$300 to $499 815 3.0% $1240
$500 to $749 5,704 25.0% $1915
$750 to $999 7,498 33.0% $2665
$1,000 to $1,499 5,522 24.0% $3790
$1,500 or more 2,386 10.0% $5440

Rent Affordability in Fort Myers:

Approximately 49.0% (11,666) of households are spending more than 35% of their income on gross rent in Fort Myers

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,654 7.0%
15.0 to 19.9 percent 2,464 10.0%
20.0 to 24.9 percent 2,954 12.0%
25.0 to 29.9 percent 2,583 11.0%
30.0 to 34.9 percent 2,137 9.0%
35.0 percent or more 11,666 49.0%

Protective device discount in Fort Myers Up to :  $24

Claims-free discount in Fort Myers Up to :  $32