Fort Myers Insurance Rates:

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

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Latest Home Insurance Reviews

Amica Mutual Insurance
I would recommend Amica because they are easy to deal with and reasonably priced. If you have a claim the process is simple and quick.
State Farm
I would recommend State Farm insurance because they are receptive to my needs and communication with the. They remember my name when I call and my kid's name.
Assurant Specialty Property
I had some major issues when requesting a refund for a property that i no longer owned. the money was sent to an old bank account and wasn't recovered for some time.
I would recommend this company to other country folks. It is one of the few that will cover us out in the boon docks. We have now had our house totally renovated except for not all of the plumbing.
Citizens Property Insurance
Fast with the customer service, but the prices of this insurance are very high. Fast and efficient response to a loss. Compliance with the conditions of the contract
State Farm
I would recommend this company because they have the best prices and their employees seem to take their job very seriously and provide the best experience for the customer.
The premiums and deductibles have been comparable to what else is on the market. They are very fair. I would not say they are above average, but it is satisfactory.
they are acutally pretty good. I think they provide good rates. I also have an auto bundle with them. What i Don't like about them is that they keep increasing their prices which is very inconvenient for me
State Farm
the policy is very affordable for lower income people like myself , we dont have to break bank to afford to protect our items if anything should happen
I would recommend until the day I die. USAA is the best company to deal with.
I like being able to tell people that i have geico has my home insurance. very nice and affordable and everyone is jealous
Stillwater Insurance Group
Unfortunately, i live in california, where there is a risk of earthquakes. but to receive earthquake coverage, we have to purchase supplemental coverage, which costs more.
Liberty Mutual
They do send a lot of useless info and messages. They do try to upsell a lot of times. Less spam would be great.
I haven't checked into premiums in a year so I don't know if the price I'm paying is high. It is cheaper than my previous policy.
Based on quotes I get every year, esurance had the lowest premium for 3 years now, which I appreciate. But the premiums have been increasing each year even though I have never had a claim, which is frustrating.
People's Trust Insurance
The people are nice, they help. Low cost, premium not expensive and they take care of me as a customer.
Farmer's Insurance
Like I said, I work with a banks insurance guy and he found me this quote and set it up. He has been very prompt and pleasant to work with. He hasn't said anything negative about the company so I don't either.
Security First Home Insurance
I have owned my house for over 10 years and this is the third insurance company I have used. Their premium is better than the last company I was with and they seem to be very proactive when it comes to communication with their insureds.
Liberty Mutual
I liked that they were very responsive and helpful, took time to answer my questions as a first time home buyer
Security First Home Insurance
There is always room for improvement when it comes to customer service. However, my interactions thus far have been pleasant.
State Farm
State farm has a very good website. easy to use it has all my information detailed separately I am completely satisfied with it
My interactions and communications have always been pleased with this company. My agent is fantastic and was very friendly and helpful through the process of making me a customer.
Overall, Geico is a great insurance company to have your back in a time of need. I have run claims for wrecks and a burglary in my first apartment. It was a no hassle process.
National General
I like that the company really takes care of its customers and the policies are consistent. There is 24/7 customer support because it is a large corporation. They also do a lot of charitable work in my company.
They personalized service is unlike a typical insurance company. You can see that they truly care about their customers.
American Integrity Insurance
I would not recommend my home insurance company to anyone I know. The cost is low and the deductible is low, but the customer service and the multiple threats of cancellation greatly outweigh any benefits you would receive from being covered.
Assurant Specialty Property
The online quoting tool is the easiest to use, most comprehensive and among the most efficient. The agent finder tool provides the information you need to choose a great local agent to help you get the best coverage possible.
I'd say my premium deductibles and Industry low then a few other insurance companies and they don't compare
The Hartford
They are average and run along with other companies deductibles. My premium I think is a little high though. I think I could get a lower premium elsewhere.
The company has overall good service for the coverage provided. They are overall reliable and consistent in the experience provided to customers.
For the most part with the car and home insurance, there haven't been that many problems. One surrounded how they handled a car accident but I have no claims on my homeowner's insurance so I can't talk about that.
Liberty Mutual
they are easy to deal with. they cover all of the services I need, auto, 2 homes, flood and umbrella policy. they deal with whatever questions you have right away. they're friendly. great website
I feel like the sales pitches are just too much. Their workers still cold call for other insurance products and its just too much. They should work on different marketing techniques instead of bugging their clients.

Fort Myers, FL Homeowners Insurance By Home Value

Fort Myers, FL Home Value Total Homes % of Total Average Fort Myers, FL 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

Top Home Insurance Agents Near Fort Myers, FL

Home Insurance Company Near Fort Myers, FL Homeowners Insurance Agency Near Fort Myers, FL Address
NA Integrated Insurance Services, Inc. 1639 Pkwy E #104 Cape Coral, Cape Coral, FL, 33904
Travelers Cape Insurance Agency Inc 3624 DEL PRADO BLVD S STE B, CAPE CORAL, FL, 33904
Travelers Forsythe Insurance Services Inc 995 N COLLIER BLVD STE 208, MARCO ISLAND, FL, 34145
Allstate Ken Miller 2525 Tamiami Trl Ste E, Port Charlotte, FL, 33952
State Farm Rich Mathews 9510 Crkscrew Plm Cir Ste 4, Estero, FL, 33928-3308

Fort Myers, FL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Fort Myers, FL

Streets in Fort Myers Area Homeowners Insurance Cost
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

Fort Myers, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fort Myers$173 to $176
Lee County$175
Cypress Lake$172
Whiskey Creek$177

Fort Myers, 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
Lee County, Florida $175 $233 $350
Cypress Lake CDP, Florida $172 $229 $344
Whiskey Creek CDP, Florida $177 $236 $354

Fort Myers, 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
Fort Myers, FL6.5%17.7%
Fort Myers6.47%17.74%
Cypress Lake7.38%19.04%
Whiskey Creek5.77%17.16%

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

Average Cost Of Home Insurance By Company In Areas Nearby Fort Myers For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Integrity Insurance $3,762
150,000 27 NO Federated National Insurance $3,587
150,000 27 NO Florida Farm Bureau Casualty Insurance $2,990
150,000 27 NO Tower Hill Preferred Insurance $2,554
150,000 27 NO Universal Insurance $4,304
150,000 27 YES Safeway Property Insurance $1,689
150,000 27 YES Security First Insurance $1,349

Fort Myers, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Fort Myers Homeowner Insurance Premium Example $3,400$2,900
Out of Pocket Expense During Claim$1,200$3,200
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $21,600$20,600
Net Savings to Fort Myers Home Owner from High Deductible Plan $1,000

Fort Myers, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fort Myers, FL Home Replacement Value MORE than Home Value Fort Myers, FL Home Replacement Value LESS than Home Value
Replacement Value $254,500 $150,000
Insurance Premium based on Replacement Value $5,975 $3,525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $58,500 Risk Exposure from Under Insuring Coverage is $46,000
Premium Impact Insurance cheaper by $1,075/year Insurance costlier by $1,375/year

Example Fort Myers Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceState FarmGEICO Insurance
Monthly Premium 155137277
Year Built 198920112005
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $100000-$125000$100000-$125000$300000-$350000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Fort Myers, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2000 155,000 Membrane Roof 2,120 3 $500 Deductible 2850 9 Vinyl siding yes
1996 180,000 Shingles Roof 1,720 2 $5000 to $10,000 Deductible 410 2 Vinyl siding yes
1996 110,000 Shingles Roof 1,060 2 $1000-$2500 Deductible 1450 9 Vinyl siding No
2008 95,000 Shingles Roof 1,130 2 $2500-$5000 Deductible 1130 9 Wood siding No
2003 135,000 Tile Roof 1,460 2 $500- $1000 Deductible 570 2 Vinyl siding No
1987 125,000 Composition Roof 1,650 2 $500- $1000 Deductible 720 4 Stone Siding yes
1993 190,000 Tile Roof 2,250 4 $1000-$2500 Deductible 1860 7 Stucco siding yes
2012 135,000 Membrane Roof 1,540 2 $500 Deductible 1980 8 Stucco siding No
2003 160,000 Composition Roof 2,160 3 $1000-$2500 Deductible 350 2 Wood siding No
2000 235,000 Metal Roof 2,690 4 $500- $1000 Deductible 1510 5 Stone Siding No
1986 110,000 Asphalt Shingles Roof 1,290 3 $500 Deductible 950 5 Brick siding No
1996 135,000 Membrane Roof 1,370 3 $1000-$2500 Deductible 1080 8 Vinyl siding yes
2010 130,000 Tile Roof 1,380 3 $500 Deductible 2650 12 Vinyl siding No
2012 130,000 Composition Roof 1,800 3 $2500-$5000 Deductible 1300 8 Brick siding yes
1981 245,000 Metal Roof 2,710 4 > $10,000 Deductible 210 1 Wood siding yes
2013 135,000 Tile Roof 1,390 2 $500- $1000 Deductible 1690 10 Brick siding No
2008 135,000 Slate Shingles Roof 1,780 2 $1000-$2500 Deductible 1310 6 Wood siding No
1982 230,000 Membrane Roof 2,490 4 $500 Deductible 1990 6 Brick siding yes
1988 295,000 Membrane Roof 2,940 4 $500 Deductible 1160 3 Stone Siding yes
1992 170,000 Slate Shingles Roof 1,930 4 $2500-$5000 Deductible 1440 7 Stucco siding yes
1990 95,000 Shingles Roof 1,240 2 $1000-$2500 Deductible 850 6 Brick siding yes
1998 165,000 Asphalt Shingles Roof 2,280 3 $500 Deductible 2530 10 Vinyl siding yes
2011 105,000 Slate Shingles Roof 1,270 2 $500 Deductible 880 4 Vinyl siding No
1983 230,000 Composition Roof 2,540 4 $500 Deductible 3180 10 Wood siding yes
2005 185,000 Tile Roof 1,940 3 $2500-$5000 Deductible 1740 7 Wood siding yes
1998 270,000 Shingles Roof 2,640 4 $500 Deductible 2610 8 Brick siding No
1983 105,000 Tile Roof 1,250 3 $500 Deductible 1180 6 Fiber-Cement Siding yes
2013 260,000 Membrane Roof 2,740 4 $2500-$5000 Deductible 3510 10 Stucco siding No
2001 275,000 Membrane Roof 2,710 4 $1000-$2500 Deductible 1010 2 Wood siding yes
1981 125,000 Membrane Roof 1,570 2 $1000-$2500 Deductible 2040 12 Fiber-Cement Siding No
1998 145,000 Shingles Roof 1,043 2 > $10,000 Deductible 2000 6 Wood siding yes

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