Cape Coral Insurance Rates:

Cape Coral, FL homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I've only had experience with one other company, and I found them completely rude and very off-putting to deal with. Everything required a lot of paperwork.
Usaa
While we have not had to file a claim yet for our House with USAA, because we're a military family, they have great pricing and coverage.
Citizens Property Insurance
The ease of use and the ease to get to numbers I need and login info. Great customer service. Very efficient.
State Farm
I would recommend State Farm as they have been responsive to my needs when I have contacted them, and have kept my coverage up to date.my homeowner's policy premium has had minimal increases over that time.
Liberty Mutual
I have only had one other home insurance provider and I never had to contact them outside of the initial sign up. So I honestly have no reference to compare Liberty Mutual to.
State Farm
I would recommend so far. If you can bundle your home and auto together it is very affordable and covers what every other policy would.
State Farm
The company state farm has been reliable to not only me but to my family as well and other friends.
Metlife
We have this insurance now for more than 20 years and although we only had two minor claims, this insurance keeps going up in the premiums.
Nationwide
I like that there is always someone to talk to 24 hours a day. i never have to wait and wonder about my questions.
State Farm
I wish the web app was more accommodating to people looking for claim records. No app is perfect but this app is sufficient.
Usaa
Overall, the company meets our needs and provides good communication, as well as comprehensive products for our needs.
Florida 1st Insurance
I like it is safe because it is very responsible and respond the soonest
Progressive
I received communications from my insurance company through the mail and electronically. The communications are always concise and clear.
Travelers
They never called me back when I had questions about the auto plan that we have bundled with them and when I got them they were kind of rude.
Farmer's Insurance
Nothing really. I find it easy to use and I don't have any problems locating the information I need. It's very user-friendly.
Citizens Property Insurance
They haven't given me a reason not to like them and I hope they don't. But, only time will tell. I live In Florida so...hurricanes.
State Farm
I have no complaints about State Farm
Usaa
So far, I haven't had any reasons to dislike anything from my insurance company. All of my experiences with my insurance company have been great up to this point.
American Integrity Insurance
I would prefer my premium to be lower. I would like it if they covered water damage a little better.
Usaa
They are fast reliable and respectful. they are exclusive. you must be military or military family. better benefits for those who have served. would recomened to any military family. they take great care of us
Security First Home Insurance
If I would recommend it but it would not be the first option to follow, there are many companies that offer a better service.
Progressive
I would recommend Progressive for home insurance because they are easy to work with, affordable and have good customer service.
People's Trust Insurance
I would recommend them because they are cheap and they don't try to over sell what we don't need.
Usaa
Nothing really to write here. When I need to file a claim, I could let you know more of the process and procedures needed
Usaa
I automatically go to USAA first for any financial products I need. If their prices are competitive then I use their products because they are the most sincere bank that I have ever dealt with.

Cape Coral, FL Homeowners Insurance By Home Value

Cape Coral, FL Home Value Total Homes % of Total Average Cape Coral, FL 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

Top Home Insurance Agents Near Cape Coral, FL

Home Insurance Company Near Cape Coral, FL Homeowners Insurance Agency Near Cape Coral, FL Address
Liberty Mutual Independent Bb&T - Oswald Trippe & Co 13515 BELL TOWER DR, FORT MYERS, FL, 33907
Travelers Great Florida Insurance - East Ft Myers 4901 PALM BEACH BLVD STE 390, FT MYERS, FL, 33905
Allstate Ted Todd 10676 Colonial Blvd Ste 20, Fort Myers, FL, 33913
State Farm Tim Collier 1315 SE 47th Street, Cape Coral, FL, 33904-7604
Travelers Tropical Bay Insurance Llc 395 Commercial Ct Ste C , Venice, FL, 34292

Cape Coral, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Cape Coral, FL

Streets in Cape Coral Area Homeowners Insurance Cost
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

Cape Coral, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cape Coral$174 to $176
Matlacha Isles-Matlacha Shores$184
Matlacha$190
Lochmoor Waterway Estates$174

Cape Coral, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Matlacha CDP, Florida $159 $212 $318
Lochmoor Waterway Estates CDP, Florida $146 $194 $291
Palmona Park CDP, Florida $138 $184 $276

Cape Coral, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Cape Coral, FL6.3%18.3%
Matlacha Isles-Matlacha Shores8.43%16.52%
Matlacha7.89%17.53%
Lochmoor Waterway Estates7.12%20.06%

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

Average Cost Of Home Insurance By Company In Areas Nearby Cape Coral For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Traditions Insurance $4,105
150,000 27 NO First Protective Insurance $1,958
150,000 27 YES Auto Club Insurance $2,276
150,000 27 YES Citizens Property Insurance $949
150,000 27 YES Stillwater Property And Casualty Insurance $1,513
150,000 27 YES Universal Property & Casualty Insurance $1,669
300,000 12 NA Auto Club Insurance $3,639

Cape Coral, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$1,500
Yearly Cape Coral Homeowner Insurance Premium Example $12,400$12,200
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $99,700$99,100
Net Savings to Cape Coral Home Owner from High Deductible Plan $600

Cape Coral, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cape Coral, FL Home Replacement Value MORE than Home Value Cape Coral, FL Home Replacement Value LESS than Home Value
Replacement Value $169,500 $118,500
Insurance Premium based on Replacement Value $2,875 $2,000
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $13,000 Risk Exposure from Under Insuring Coverage is $38,000
Premium Impact Insurance cheaper by $650/year Insurance costlier by $225/year

Example Cape Coral Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateGEICO InsuranceChubb Group of Insurance
Monthly Premium 206262276
Year Built 200320121984
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $125000-$150000$175000-$200000$175000-$200000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$500 Deductible

Sample Home Insurance Rates for Cape Coral, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1997 110,000 Tile Roof 1,260 3 $500 Deductible 830 5 Stucco siding yes
2014 185,000 Composition Roof 1,910 4 $5000 to $10,000 Deductible 1050 5 Fiber-Cement Siding No
2004 185,000 Shingles Roof 2,430 5 $2500-$5000 Deductible 2340 8 Brick siding yes
2009 125,000 Wood Shake Roof 1,470 3 $500 Deductible 1920 8 Vinyl siding yes
1992 210,000 Tile Roof 2,250 3 $1000-$2500 Deductible 910 4 Fiber-Cement Siding yes
2000 145,000 Wood Shake Roof 1,700 4 $500 Deductible 1080 5 Stone Siding yes
2009 165,000 Metal Roof 2,130 3 $1000-$2500 Deductible 1580 9 Fiber-Cement Siding yes
2011 495,000 Composition Roof 4,970 5 $500- $1000 Deductible 4070 5 Stucco siding No
1994 215,000 Shingles Roof 2,090 5 $2500-$5000 Deductible 910 3 Wood siding yes
2012 240,000 Slate Shingles Roof 2,580 4 $1000-$2500 Deductible 2740 8 Fiber-Cement Siding yes
1981 180,000 Shingles Roof 2,040 3 $500- $1000 Deductible 2620 8 Stucco siding yes
1999 320,000 Shingles Roof 4,230 5 $2500-$5000 Deductible 1210 3 Stucco siding yes
2010 205,000 Asphalt Shingles Roof 2,210 4 > $10,000 Deductible 610 4 Stucco siding yes
1986 325,000 Slate Shingles Roof 3,020 5 $500 Deductible 1040 2 Stone Siding No
1986 250,000 Wood Shake Roof 3,150 4 > $10,000 Deductible 840 5 Fiber-Cement Siding yes
1982 190,000 Tile Roof 1,840 3 $500 Deductible 1280 4 Vinyl siding yes
1986 345,000 Tile Roof 3,440 5 $1000-$2500 Deductible 2830 6 Stone Siding No
2004 155,000 Membrane Roof 1,900 3 $1000-$2500 Deductible 1950 10 Fiber-Cement Siding No
2013 155,000 Composition Roof 1,860 5 $1000-$2500 Deductible 1340 8 Stucco siding yes
2010 210,000 Metal Roof 2,360 3 $1000-$2500 Deductible 4250 12 Fiber-Cement Siding yes
1991 310,000 Composition Roof 2,890 4 $500- $1000 Deductible 3970 9 Wood siding yes
1989 415,000 Composition Roof 3,890 5 $2500-$5000 Deductible 1460 3 Fiber-Cement Siding No
1998 160,000 Wood Shake Roof 1,710 4 $1000-$2500 Deductible 590 2 Fiber-Cement Siding No
2005 110,000 Slate Shingles Roof 1,320 3 $500- $1000 Deductible 1280 10 Brick siding yes
1986 245,000 Slate Shingles Roof 2,500 4 > $10,000 Deductible 2840 12 Brick siding No
1994 315,000 Membrane Roof 3,360 4 $2500-$5000 Deductible 2100 4 Stucco siding yes
2013 160,000 Wood Shake Roof 1,510 3 $500- $1000 Deductible 2900 12 Stone Siding No
1984 220,000 Tile Roof 2,560 5 $2500-$5000 Deductible 2480 10 Wood siding yes
1992 205,000 Wood Shake Roof 2,740 5 $5000 to $10,000 Deductible 1040 7 Wood siding No
2007 210,000 Shingles Roof 1,994 4 $500 Deductible 2650 8 Stucco siding yes

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