Naples Insurance Rates:

Naples, FL homeowners insurance is nearly $1,050 to $1,429, about $87-$119/month. Our thorough guide shows customers can save upto $495 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

The premium and the deductible were very reasonable and we felt confident we would be able to pay it in the event of a disaster.
Assurant Specialty Property
Anytime had to contact customer service, the representatives have always been very friendly and thorough. they make sure they have assisted me with everything i need help with.
State Farm
They've been really polite to us. Every time we call we request the same agent and she knows our situation well and such. She's very nice and easy to work with.
Citizens Property Insurance
I would definitely recommend this company to another despite the questionable customer service.. For the price the coverage is worth it.
We use USAA for our home insurance because we absolutely love the customer service we receive when we have questions about our coverage.
I did comparison shoping seeveral months ago and Allstate was the most affordable by a landslide. I have been a customer for 20 years and it seems to reflect in my price.
I would recommend USAA. They have great policy options and customer service that can't be beat. I have no complaints about the company and would gladly recommend them to someone else.
USAA's customer service is hands down the best I've ever received from an insurance company. They are very prompt and thorough with responses.
The rates are comparable to others but they offer a discounted rate for using multiple products and not having claims.
I needed to change my policy to have a higher coverage, and they refunded and changed my coverage almost immediately.
With USAA, the higher your deductible, the lower your monthly premium is, so choosing a higher deductible can save you money.
Overall I would give Met Life a three. Customer Service is alright and the overall price point is acceptable. To increase this score, Met Life can lower price.
Security First Home Insurance
for the most part they have been good paying out claims, but their communication is poor and can use improvement.
Obtaining the policy was easy. put in your information online to receive a quote in just a few minutes time.
Universal Insurance
I wish that we heard from our insurance company. we pay them every month but never get any mail, email, or any contact from them. it doesn't make us feel appreciated as customers.
The company's customer service is always friendly. I haven't had any issues getting through to anyone.
The insurance premium tends to be higher than other competitors with the same coverage. This is something the company should address for the long term.
State Farm
I really like that state farm, it values me as a customer and I'm not just a number to them. They are all so friendly and caring to their customers/
I like that the company handles all of my insurance needs and offers a multi-policy discounts. The representatives are great so far and I have no complaints currently.
Although a good company, don't have a physical branch or location in my state. Would be nice to talk to someone face to face if necessary.
It’s very convenient to use the app when I'm away from home or if I want to do a quick check on my policy terms, billing, claims and/or roadside assistance.
State Farm
It is very easy for me to log in and see my bill and account information. There is never any issues finding quick answers to my questions and they also have the option for me to chat with an agent when I need to.
Assurant Specialty Property
I disliked that it was not an all-in-one stop. I had to go to the home insurance website and create another log in to access/change information instead of going through GIECO (linked auto insurance).
They are always on track and service is pretty quick. Always staying in contact which makes me feel like they're a part of the ownership.
Tower Hill Insurance
I feel as though I'm receiving the insurance that I need for the best price. Of course, I wish it was cheaper but overall I am happy with it.
State Farm
I love my company overall because they give me good value for my money and they are very easy to communicate with.
Citizens Property Insurance
They haven't given me a reason not to like them and I hope they don't. But, only time will tell. I live In Florida so...hurricanes.
As I've said earlier, I think they have very reasonable rates, are easy to sign up and find discounts with, and they are very good at communicating when you have questions.
State Farm
State farm is a good reputable company and I do trust them. They are always there is needed and close by my home. they have handled claims in the past successfully and promptly without problems.
I would recommend this company for home insurance because I'm saving more money and there's lower interest rates.
I like the coverage this company offers me, the good attitude of the customer service department and the price of the premium which I believe is very fair.
Tower Hill Insurance
I don't think I would recommend Tower Hill. They have done little to be helpful. But I also wouldn't warn people not to use them. They seem about average for what they offer.
Have yet to file a claim so my experience has only been with setup of the insurance and monthly payments.
Frontline Insurance
I don't have any complaints, I wish our hurricane deductible was smaller, but I think that it is the industry standard so I'm not sure what else can be done about that.
So far so good! I have never had a problem and hopefully, they continue their professionalism if I ever have to file a claim.
Farmer's Insurance
I have no specific complaints to make. I suppose they could offer a cheaper product or offer some sort of loyalty discount, but I would not necessarily expect that of them and that would be true of any company.

Naples, FL Homeowners Insurance By Home Value

Naples, FL Home Value Total Homes % of Total Average Naples, FL Homeowners Insurance
Less than $50,000 2,592 5.0% $99
$50,000 to $59,999 628 1.0% $223
$60,000 to $69,999 886 1.0% $284
$70,000 to $79,999 1,207 2.0% $322
$80,000 to $89,999 1,376 2.0% $371
$90,000 to $99,999 1,247 2.0% $408
$100,000 to $124,999 4,129 8.0% $483
$125,000 to $149,999 3,164 6.0% $594
$150,000 to $174,999 5,188 11.0% $706
$175,000 to $199,999 3,350 7.0% $817
$200,000 to $249,999 7,278 15.0% $991
$250,000 to $299,999 6,509 13.0% $1201
$300,000 to $399,999 9,160 19.0% $1536

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

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

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

Naples, FL Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
34102 $801,600 $1,640
34103 $589,300 $1,470
34108 $542,200 $1,400
34119 $355,800 $1,320
34109 $352,700 $1,320
34105 $326,800 $1,270
34110 $311,300 $1,260
34113 $226,500 $1,220
34120 $210,700 $1,200
34104 $209,200 $1,220
34117 $196,600 $1,210
34114 $177,500 $1,190
34112 $174,500 $1,190
34116 $171,100 $1,180

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

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1989 280,000 Membrane Roof 1,620 3 $500 Deductible 1820 4 Fiber-Cement Siding yes
1997 355,000 Metal Roof 2,240 4 $2500-$5000 Deductible 500 1 Brick siding yes
2005 385,000 Metal Roof 2,720 4 $2500-$5000 Deductible 800 2 Brick siding yes
1980 330,000 Shingles Roof 2,150 4 $500- $1000 Deductible 1030 2 Vinyl siding No
2010 415,000 Slate Shingles Roof 2,950 4 $5000 to $10,000 Deductible 540 1 Wood siding yes
2012 375,000 Membrane Roof 2,230 3 $500- $1000 Deductible 1280 2 Stucco siding yes
2013 325,000 Membrane Roof 2,120 3 $2500-$5000 Deductible 4300 12 Brick siding No
1981 430,000 Shingles Roof 2,930 4 $5000 to $10,000 Deductible 860 2 Brick siding yes
1987 225,000 Composition Roof 1,700 3 $500- $1000 Deductible 2160 8 Wood siding No
1999 290,000 Composition Roof 1,810 3 $500- $1000 Deductible 5620 12 Wood siding yes
1980 315,000 Asphalt Shingles Roof 1,950 3 > $10,000 Deductible 1950 6 Wood siding yes
1981 215,000 Membrane Roof 1,680 3 > $10,000 Deductible 1390 7 Stone Siding No
1986 290,000 Wood Shake Roof 1,730 3 $2500-$5000 Deductible 460 2 Stone Siding yes
2005 250,000 Slate Shingles Roof 1,620 3 $5000 to $10,000 Deductible 2710 10 Stone Siding No
2013 295,000 Asphalt Shingles Roof 2,140 3 $500 Deductible 2000 4 Vinyl siding yes
1996 350,000 Tile Roof 2,840 4 $1000-$2500 Deductible 4080 8 Wood siding yes
2013 280,000 Wood Shake Roof 1,970 3 > $10,000 Deductible 2510 9 Wood siding yes
2013 270,000 Tile Roof 1,820 3 $2500-$5000 Deductible 2500 8 Fiber-Cement Siding yes
2001 475,000 Slate Shingles Roof 3,400 4 $500 Deductible 8820 9 Fiber-Cement Siding No
2013 320,000 Tile Roof 2,250 4 $1000-$2500 Deductible 4030 10 Brick siding yes
1982 215,000 Metal Roof 1,610 3 > $10,000 Deductible 370 2 Stucco siding No
1996 185,000 Asphalt Shingles Roof 1,240 3 $5000 to $10,000 Deductible 550 3 Vinyl siding No
2011 195,000 Membrane Roof 1,680 3 $2500-$5000 Deductible 220 1 Fiber-Cement Siding No
2002 350,000 Wood Shake Roof 2,290 3 $500- $1000 Deductible 4560 10 Wood siding No
1999 275,000 Slate Shingles Roof 1,830 3 $500- $1000 Deductible 1540 5 Wood siding No
1987 360,000 Tile Roof 2,060 3 $500- $1000 Deductible 3390 6 Fiber-Cement Siding No
1980 315,000 Membrane Roof 1,850 3 > $10,000 Deductible 570 2 Stucco siding yes
2004 355,000 Tile Roof 2,400 4 $500 Deductible 6970 12 Stone Siding yes
2002 315,000 Shingles Roof 1,840 4 $500- $1000 Deductible 1180 2 Stone Siding No
2008 265,000 Asphalt Shingles Roof 1,610 4 $2500-$5000 Deductible 830 3 Vinyl siding yes
1996 740,000 Wood Shake Roof 2,218 3 $500- $1000 Deductible 17000 12 Wood siding No

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