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

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.
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.
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.

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

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
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