Naples Insurance Rates:

Naples ,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 Naples, 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 Naples, FL is $2077. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Home Insurance Companies in Naples, FL: Customer-Reviewed Options


Naples, FL Homeowners Insurance Rates by Coverage Level

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

Coverage Level Average Annual Premium
$100,000 $831
$200,000 $1,412
$300,000 $1,745
$400,000 $2,659
$500,000 $3,344


Naples, FL Homeowners Insurance Rates by ZIP Code

Home insurance costs in Naples can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
034102 $2,465
34103 $2,287
34108 $2,282
34119 $2,078
34109 $2,028
34105 $2,048
34110 $1,994
34113 $1,959
34120 $1,938
34104 $1,894
34117 $1,941
34114 $1,941
34112 $1,869
34116 $1,904


Naples, 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 Naples, FL, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,130
$1000 Deductible $1,905
$1500 Deductible $1,797
$2500 Deductible $1,620
$5000 Deductible $1,371



Top Home Insurance Agents Near Naples, FL

Home Insurance Company Near Naples, FL Homeowners Insurance Agency Near Naples, FL Address
NA The Pakat Group Dba Island Insurance Services 703 Tarpon Bay Rd Ste B, Sanibel, FL, 33957
NA Brown & Brown Of Florida, Inc. 1421 Pine Ridge Rd Ste 200 , Naples, FL, 34109
Allstate Daniel Zavada 10911 Bonita Beach Rd SE Ste 1071, Bonita Springs, FL, 34135
Travelers The Martel Agency 15050 ELDERBERRY LN STE 4-7, FT MYERS, FL, 33907
Travelers Tropical Insurance Of Bonita Springs Inc 11680 BONITA BEACH RD #401, BONITA SPRINGS, FL, 34135

Naples, FL Home Insurance Agents for Top Companies


Naples, 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
Golden Gate CDP, Florida $145 $193 $289
Lely CDP, Florida $150 $200 $300
Lely Resort CDP, Florida $167 $222 $333


Naples, 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
Naples, FL5.4%15.3%
Golden Gate6.6%23.5%
Lely Resort4.1%11.82%

Naples Renters Insurance as a Percentage of Rent

Naples Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 323 1.0% $769
$300 to $499 290 1.0% $1219
$500 to $749 2,285 10.0% $1894
$750 to $999 7,225 32.0% $2644
$1,000 to $1,499 8,055 35.0% $3769
$1,500 or more 4,108 18.0% $5419

Cost Of Homeowners Insurance By Street Near Naples, FL

Streets in Naples Area Homeowners Insurance Cost
Newbury Pl, Autumn Haze Dr, 70th St SW, 99th Ave N, Highlands Dr, Rain Lily Ct, Boca Ave N, 52nd St SW, Augusta Dr, Stonegate Ct$1,280
Buena Vista Ln, Bow Line Dr, Arezzo Way, Cortez Cir, Weber Blvd S, Corana Way, Liecester Ct, Seashell Ave, Martin St, Florida Club Cir$1,210
Don St, Whitaker Rd, Bermuda Cove Way, San Remo Ave, Hunter Blvd, Broad Ct N, McCarty Ct, Broad Ave, 62nd St SW, Cedar Tree Ln$1,268
Spinnaker Ct, Kings Way, Leeward Ln, Manchester Ct, Barcelona Cir, Boca Cir, Mill Stream Dr, Quaker Pl, Starfish Ave, 3rd Ave NW$1,476
Dale Ave, Arrowhead Ln, 21st Ave S, Constitution Dr, Old Oak Ln, Royal Cir, Indies Way, Perkins Dr, Lawson Way, Villa Florenza Dr$1,263
54th Ter SW, 95th Ave N, Teryl Rd, Outer Dr, Bay Ave, Keri Island Dr, Glen Lake Cir, San Marino St, Burnt Pine Dr, Joseph Ct$1,143
Chase Preserve Dr, Countryside Dr, Tahiti Ln, Elsa St, Lipari Ct, Fabienne Ct, 24th Ave NW, Volterra Ct, Harrier Run, Albi Rd$1,195
Atoll Ct, Cynthia Ln, 19th Ave S, Dent Dr, Savona Way, Delarosa Ln, 19th Ct SW, Longview Ct, Mockingbird Ln, Antaras Ct S$1,337
Medea Ct, Waggle Way, Marblehead Dr, 1st Ave NW, Cocohatchee Dr, 7th Ave N, Goodlette Rd S, Driftwood Way, Pebble Beach Cir, Tarpon Cove Dr$1,216
Acqua Dr, Pine Cone Ln, Jacaranda Ct, Coconut Cir N, Grand Isle Dr, W Lake Dr, 25th St SW, L Ambiance Cir, Scarlet Ct, Wendy Ln$1,133

Naples, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Naples$185 to $188
Golden Gate$173
Lely Resort$200

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Florida Farm Bureau Casualty Insurance $4,103
150,000 27 NO Florida Peninsula Insurance $2,723
150,000 27 NO Tower Hill Preferred Insurance $3,509
150,000 27 NO Universal Insurance $4,643
150,000 27 NO Universal Property & Casualty Insurance $4,406
150,000 27 YES Castle Key Indemnity Company Insurance $1,554
150,000 27 YES Liberty Mutual Fire Insurance $1,285
150,000 27 YES Safeway Property Insurance $2,072
150,000 27 YES Southern Oak Insurance $2,514
300,000 12 NA Asi Preferred Insurance $3,201
300,000 12 NA Castle Key Indemnity Company Insurance $2,733
300,000 12 NA First Protective Insurance $2,214
300,000 12 NA Florida Peninsula Insurance $2,576
300,000 12 NA Liberty Mutual Fire Insurance $3,167
300,000 12 NA Tower Hill Preferred Insurance $2,499
300,000 12 NA Universal Property & Casualty Insurance $3,667


Naples, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Naples Homeowner Insurance Premium Example $5,300$4,900
Out of Pocket Expense During Claim$1,700$3,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $44,100$42,900
Net Savings to Naples Home Owner from High Deductible Plan $1,200


Naples, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Naples, FL Home Replacement Value MORE than Home Value Naples, FL Home Replacement Value LESS than Home Value
Replacement Value $192,000 $125,000
Insurance Premium based on Replacement Value $3,425 $2,225
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $31,000 Risk Exposure from Under Insuring Coverage is $36,000
Premium Impact Insurance cheaper by $625/year Insurance costlier by $575/year


Example Naples Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmLiberty MutualAllstate
Monthly Premium 306307538
Year Built 200919882013
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths4 Beds, 3 Baths
Coverage Amount $175000-$200000$400000-$500000$350000-$400000
Deductible $500 Deductible> $10,000 Deductible$2500-$5000 Deductible