Charlotte County Insurance Rates:

Charlotte County, FL homeowners insurance is nearly $987 to $1,339, about $82-$111/month. Our comprehensive guide reveals consumers can save upto $465 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Assurant Specialty Property
I like the fact that it's a smaller company. i feel like it's more personalized service and not a huge corporation that's impersonal.
Travelers
The rate increase that i received year-over-year was 10%. while they are definitely the cheapest, they may not be the cheapest for long, which is disappointing.
Liberty Mutual
Liberty mutual seems to have a good amount of staff at their call center because when i call about our homeowner's policy, i do not wait in the queue long, if at all.
Liberty Mutual
Liberty Mutual has the lowest rate that we could find and they are very personable. I was able to do all of the application and document signing online and yet I was still able to speak with a local gentleman that knew the area. I love the website
Usaa
There is not an office that i can go visit nearby. there are only a few offices in major cities. i sometimes would prefer to talk to a person in an office.
Travelers
It's fine. I don't use it at all so I don't think about it much at all. I really don't have anything else to add.
People's Trust Insurance
It's not so expensive. Has many benefits that helps me a lot and makes me sleep better at night.
State Farm
I liked that I was able to go online and check out my rate before I bought and adjust my coverage, I also like that I can pay it online and take a look at previous payments/bills that I have received from the company. I really like that I never have to talk to someone.
State Farm
I like the rates are competitive. My coverage is great and I feel that I will be covered if something happens.
Progressive
I haven't had to interact with anyone which is what I prefer. Progressive has a pretty good website so I just use that.
Usaa
The inability to speak with an insurance adjuster or agent on the phone. When someone is reached by phone, it is never the same person twice, which requires going over extensive parts of the claim again.
Usaa
They made the process so easy. I could pick and choose what I wanted to cover all for one low price. The process was ridiculously easy!
Usaa
I'm sad that they're exclusive to the military, former military, and children of the military. I wish they would use their business model and open a separate company for non-military.
Allstate
They have always been very helpful whether online or on the phone. My questions are always answered satisfactorily.
Liberty Mutual
The fact that their local agent is 20 miles away, so I cannot just drop by and ask questions is somewhat inconvenient. There is no personal touch or relationship building. In addition, as already mentioned, the premiums are costly.

Charlotte County, FL Homeowners Insurance By Home Value

Charlotte County, FL Home Value Total Homes % of Total Average Charlotte County, FL Homeowners Insurance
Less than $50,000 3,760 7.0% $186
$50,000 to $59,999 1,917 3.0% $395
$60,000 to $69,999 2,271 4.0% $488
$70,000 to $79,999 2,671 5.0% $558
$80,000 to $89,999 2,931 5.0% $640
$90,000 to $99,999 2,797 5.0% $710
$100,000 to $124,999 6,058 11.0% $826
$125,000 to $149,999 4,859 9.0% $1035
$150,000 to $174,999 6,220 11.0% $1222
$175,000 to $199,999 3,854 7.0% $1408
$200,000 to $249,999 5,348 10.0% $1699
$250,000 to $299,999 4,614 8.0% $2071
$300,000 to $399,999 4,738 9.0% $2630

Top Home Insurance Agents Near Charlotte County, FL

Home Insurance Company Near Charlotte County, FL Homeowners Insurance Agency Near Charlotte County, FL Address
Travelers Bb&T-Oswald & Trippe 4707 SE 9 PLACE STE 102, CAPE CORAL, FL, 33904
Allstate Cathy L. Sink 13650 Fiddlstiks Blvd Ste 203, Fort Myers, FL, 33912
State Farm Dean Mcconville 14506 Tamiami Trl, North Port, FL, 34287-2704
Travelers Lane Ins Group Llc 21105 DESIGN PARC LN STE 103, ESTERO, FL, 33928
Travelers Swfl Insurance Agency Inc 8595 COLLEGE PARKWAY SUITE 160, FORT MYERS, FL, 33919

Cost Of Homeowners Insurance By Street Near Charlotte County, FL

Streets in Charlotte County Area Homeowners Insurance Cost
Dime Ct, Armsdale Ave NW, Harbor Blvd, Saluda Ter, Kiskadee Dr, Buenos Ct, Heather St, Prairie Creek Blvd, Kraft Ave, Tournament Rd$1,171
Annette St, Hooper Ln, Foresman Blvd, Broder Dr, Riviera Ln NW, Copenhagen, Taipei Ct, Ranett Ave, State Hwy 35, Oasis Ave$1,179
Algonquin St, Zana Ave, Lucerne Ter, Audrey St, Wintergarden Ave, Eldorado Ln, Haskell St, Indiana Rd, Paramount Dr, Pelican Dr$1,173
Acorn, Lasalle Rd, Bryn Mawr Ave, Overlook Ave, Highland Ave NW, Beach View Ct, Dubarry Ave, Shagbark Ave, Sheridan Dr, Macon Ln$1,204
Gennaro Ave, Prada Dr, Via Veneto Dr, Oscar Dr, Bracken Cir, Dolphin, Castleberry Ter, Cory St, E Marion Ave, Coral Way$1,170
Elba Ave, Westwood Dr, Chesswood Ln, Knights Dr, Dranson Ave, Rio Tiber Dr, Normandy Dr, Fenton Ave NW, Oakdale St, Greenling Way$1,141
Jones St, Alborado Ct, Owl Head Cir, Co Rd 762, Knox Ter, Angel Ave, Clark Dr, Bayharbor Cir, Diversey Ave, Sherry Ave$1,174
Pine Ln, Odessa Ln, Sharlo Ln, Confound Rd, Greggton Ave, Catamaraca Ct, Amglers Club Dr, Saul Ln, Canal Ter NW, Creekside Dr$1,162
Joppa Ave, Omni Ln, Huckeby Rd, Bent Oak Ct, Ferdon Cir, Beaverton Ave, Idlewild St, Bermont Rd, Finwick Dr, Estrella Blvd$1,143
Guapore Dr, Pinnacle St, Malaya Ct, Florida St, High Springs Ave, Hughes Ave, Islas Dr, Edmund St, Long Beach St, Woodgate Ct$1,209

Charlotte County, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Charlotte County$174 to $176
Cleveland$167
Punta Gorda$177
Charlotte Park$171

Charlotte County, 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
Cleveland CDP, Florida $167 $223 $335
Punta Gorda CCD, Charlotte County, Florida $177 $236 $354
Charlotte Park CDP, Florida $172 $229 $344

Charlotte County, 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
Charlotte County, FL6.9%20.7%
Cleveland8.25%26.8%
Punta Gorda5.82%18.72%
Charlotte Park7.37%24.98%

Charlotte County Renters Insurance as a Percentage of Rent

Charlotte County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 143 1.0% $339
$200 to $299 351 2.0% $789
$300 to $499 416 3.0% $1239
$500 to $749 2,973 21.0% $1914
$750 to $999 4,560 33.0% $2664
$1,000 to $1,499 3,622 26.0% $3789
$1,500 or more 1,539 11.0% $5439

Average Cost Of Home Insurance By Company In Areas Nearby Charlotte County For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Auto Club Insurance $4,358
150,000 27 NO Citizens Property Insurance $2,708
150,000 27 NO First Community Insurance $2,741
150,000 27 NO Liberty Mutual Fire Insurance $2,581
150,000 27 NO Tower Hill Select Insurance $3,667
150,000 27 NO United Property & Casualty Insurance $3,721
150,000 27 YES American Integrity Insurance $1,297
150,000 27 YES American Traditions Insurance $1,426
150,000 27 YES Asi Preferred Insurance $1,927
150,000 27 YES Citizens Property Insurance $1,016
150,000 27 YES Federated National Insurance $1,387
150,000 27 YES Florida Peninsula Insurance $1,654
150,000 27 YES Universal Insurance $1,581
300,000 12 NA American Integrity Insurance $2,454
300,000 12 NA Citizens Property Insurance $2,428
300,000 12 NA Florida Family Insurance $3,721
300,000 12 NA Safeway Property Insurance $2,431
300,000 12 NA Tower Hill Prime Insurance $2,046
300,000 12 NA United Property & Casualty Insurance $2,709
300,000 12 NA Universal Insurance $3,006