Cape Coral Insurance Rates:

Cape Coral ,FL Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Cape Coral, FL homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Cape Coral, FL is $1980. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Cape Coral, FL: Customer-Reviewed Options


Cape Coral, FL Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Cape Coral, FL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Cape Coral, FL.

Coverage Level Average Annual Premium
$100,000 $792
$200,000 $1,346
$300,000 $1,663
$400,000 $2,534
$500,000 $3,188


Cape Coral, FL Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Cape Coral, FL, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,030
$1000 Deductible $1,816
$1500 Deductible $1,713
$2500 Deductible $1,544
$5000 Deductible $1,307



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


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%
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

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
Lochmoor Waterway Estates$174

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
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