Naples Insurance Rates:

Naples, FL home insurance is nearly $1,050 to $1,429, about $87-$119/month. Our thorough guide shows customers can save upto $495 by getting multiple quotes

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Naples, Florida Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Naples Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $1540/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $275,000

3 Beds, 3 Bath 1830 sqft Rental Property Constructed In 1999 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $3390/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $360,000

3 Beds, 3 Bath 2060 sqft Primary Residence Constructed In 1987 with Linoleum, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $570/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $315,000

3 Beds, 3 Bath 1850 sqft Vacation Property Constructed In 1980 with Linoleum, Membrane Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Married Female who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $6970/12 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $355,000

4 Beds, 4 Baths 2400 sqft Seasonal Residence Constructed In 2004 with Ceramic Tile Flooring, Tile Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Divorced Male 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

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1180/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $315,000

4 Beds, 4 Baths 1840 sqft Vacation Property Constructed In 2002 with Carpet Flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $830/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Baths 1610 sqft Primary Residence Constructed In 2008 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Married 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 :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $17000/12 months for $700,000-$800,000 Coverage
Policy Holder Home Details :

Home Value : $740,000

3 Beds, 3 Baths 2218 sqft Rental Property Constructed In 1996 with Wood Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Click here for Zip Code data

Naples Rates & Quotes Analysis:

Naples Area Estimated House Insurance
Newbury Pl, Autumn Haze Dr, 70th St SW, 99th Ave N, Highlands Dr, Rain Lily Ct, Boca Ave N, 52nd St SW, Augusta Dr, Stonegate Ct$1,280
Buena Vista Ln, Bow Line Dr, Arezzo Way, Cortez Cir, Weber Blvd S, Corana Way, Liecester Ct, Seashell Ave, Martin St, Florida Club Cir$1,210
Don St, Whitaker Rd, Bermuda Cove Way, San Remo Ave, Hunter Blvd, Broad Ct N, McCarty Ct, Broad Ave, 62nd St SW, Cedar Tree Ln$1,268
Spinnaker Ct, Kings Way, Leeward Ln, Manchester Ct, Barcelona Cir, Boca Cir, Mill Stream Dr, Quaker Pl, Starfish Ave, 3rd Ave NW$1,476
Dale Ave, Arrowhead Ln, 21st Ave S, Constitution Dr, Old Oak Ln, Royal Cir, Indies Way, Perkins Dr, Lawson Way, Villa Florenza Dr$1,263
54th Ter SW, 95th Ave N, Teryl Rd, Outer Dr, Bay Ave, Keri Island Dr, Glen Lake Cir, San Marino St, Burnt Pine Dr, Joseph Ct$1,143
Chase Preserve Dr, Countryside Dr, Tahiti Ln, Elsa St, Lipari Ct, Fabienne Ct, 24th Ave NW, Volterra Ct, Harrier Run, Albi Rd$1,195
Atoll Ct, Cynthia Ln, 19th Ave S, Dent Dr, Savona Way, Delarosa Ln, 19th Ct SW, Longview Ct, Mockingbird Ln, Antaras Ct S$1,337
Medea Ct, Waggle Way, Marblehead Dr, 1st Ave NW, Cocohatchee Dr, 7th Ave N, Goodlette Rd S, Driftwood Way, Pebble Beach Cir, Tarpon Cove Dr$1,216
Acqua Dr, Pine Cone Ln, Jacaranda Ct, Coconut Cir N, Grand Isle Dr, W Lake Dr, 25th St SW, L Ambiance Cir, Scarlet Ct, Wendy Ln$1,133

Insurance rates are influenced by a number of factors including:

  • Year Built: 41,233 Homes (27% of total homes ) built between 1980 to 1989 in Naples are paying home insurance between $1,848-$1,867. Places close to Naples, FL such as Lely Resort, Vineyards, Island Walk are more expensive by $144, $168, $40 respectively while Golden Gate and Lely are cheaper by $119 and $54 respectively for similar homes.
  • Bedrooms: 66,209 2 bedrooms homes (45% of total homes ) in Naples are paying about $719 and differs from Lely Resort (+$56), Vineyards (+$65), Island Walk (+$15), Golden Gate (-$46) and Lely (-$21).
  • Auto Insurance Bundling: 9,857 Households (14% of all households) in Naples have 3 or more vehicles available and when it is bundled with home insurance you can save $309. Discounts for similar bundling in close by locations such as Golden Gate, Lely, Lely Resort come to $289, $300, $333 respectively.
  • Senior Discounts: 48,514 seniors (more than 55 years) occupied housing units (69% of total) in Naples get discounts between $185 to $188 and differs from Golden Gate ($173), Lely ($180), Lely Resort ($200).
  • New Homes discounts: New homes such as the 81,499 homes built between 2000 to 2009 in Naples can save $247 and similar new home insurance discounts in nearby towns and cities like Golden Gate, Lely and Lely Resort are $231, $240 and $267 respectively.

Naples Homeowners insurance Facts

  • Naples, FL has 70,258 owner occupied houses which is 74.6% of all units whereas Golden Gate, Lely and Lely Resort have 54.55%, 80.72% and 60.92% respectively.
  • Naples, FL homeowners yearly insurance price at $1,239 is 0.44% of the typical house value of $281,400 which is in contrast with 0.79% in Golden Gate, 0.55% at Lely & 0.3% in Lely Resort.
  • Homeowners in Naples, FL pay 4.51% of their income ($25,000 to $29,999) in insurance whereas homeowners in Golden Gate, Lely and Lely Resort pay 4.21%, 4.37% and 4.85% respectively.
  • Naples, FL’s insurance is 5.4% of monthly housing costs of $1,904/month, for owners with a mortgage compared to 6.6% in Golden Gate, 5.79% at Lely & 4.1% in Lely Resort. But, for households without a mortgage, insurance is 15.3% of costs ($676 in Naples, FL) in contrast with 23.5% in Golden Gate, 18.76% at Lely & 11.82% in Lely Resort.

Naples, FL Home Values & Insurance rates

For example, insurance for 1,376 Homes (2.0% of total homes ) valued between $80,000 to $89,999 in Naples, FL is about $371. Rates in nearby areas in such as Pelican Bay, Goodland, Estero Island are cheaper by $205, $11, $75 respectively while Golden Gate and Lely are costlier by $301 and $85 respectively for similar homes.

Naples, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,592 5.0% $99
$50,000 to $59,999 628 1.0% $223
$60,000 to $69,999 886 1.0% $284
$70,000 to $79,999 1,207 2.0% $322
$80,000 to $89,999 1,376 2.0% $371
$90,000 to $99,999 1,247 2.0% $408
$100,000 to $124,999 4,129 8.0% $483
$125,000 to $149,999 3,164 6.0% $594
$150,000 to $174,999 5,188 11.0% $706
$175,000 to $199,999 3,350 7.0% $817
$200,000 to $249,999 7,278 15.0% $991
$250,000 to $299,999 6,509 13.0% $1201
$300,000 to $399,999 9,160 19.0% $1536

Renters Insurance in Naples

  • Average Renters Insurance in Naples :  $76($6/month)

  • Median Gross Rent in Naples :  $1,044

  • Naples Renters Insurance to Median Rent Ratio:  0.57%

  • Average household size of renter-occupied unit :  2.92

Naples Renters Insurance as a Percentage of Rent

Naples Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 323 1.0% $769
$300 to $499 290 1.0% $1219
$500 to $749 2,285 10.0% $1894
$750 to $999 7,225 32.0% $2644
$1,000 to $1,499 8,055 35.0% $3769
$1,500 or more 4,108 18.0% $5419

Rent Affordability in Naples:

Approximately 52.0% (12,516) of households are spending more than 35% of their income on gross rent in Naples

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,087 8.0%
15.0 to 19.9 percent 2,357 9.0%
20.0 to 24.9 percent 2,509 10.0%
25.0 to 29.9 percent 2,126 8.0%
30.0 to 34.9 percent 2,390 9.0%
35.0 percent or more 12,516 52.0%

Naples Renters Insurance Discounts:

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

Number of Vehicles in Naples, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 12,472 51.0% $7.6
2 vehicles available 7,101 29.0% $11.4
3 or more vehicles available 1,276 5.0% $15.2

Protective device discount in Naples Up to :  $11

Claims-free discount in Naples Up to :  $15

Naples, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
34102 $801,600 $1,640
34103 $589,300 $1,470
34108 $542,200 $1,400
34119 $355,800 $1,320
34109 $352,700 $1,320
34105 $326,800 $1,270
34110 $311,300 $1,260
34113 $226,500 $1,220
34120 $210,700 $1,200
34104 $209,200 $1,220
34117 $196,600 $1,210
34114 $177,500 $1,190
34112 $174,500 $1,190
34116 $171,100 $1,180