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.
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 |
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 |
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 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Naples, FL | 5.4% | 15.3% |
| Golden Gate | 6.6% | 23.5% |
| Lely | 5.79% | 18.76% |
| Lely Resort | 4.1% | 11.82% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Naples | $185 to $188 |
| Golden Gate | $173 |
| Lely | $180 |
| Lely Resort | $200 |
| Home value ($) | 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 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $3,700 |
| 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 | |
| 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 |
| Insurance Company | State Farm | Liberty Mutual | Allstate |
| Monthly Premium | 306 | 307 | 538 |
| Year Built | 2009 | 1988 | 2013 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 4 Beds, 3 Baths |
| Coverage Amount | $175000-$200000 | $400000-$500000 | $350000-$400000 |
| Deductible | $500 Deductible | > $10,000 Deductible | $2500-$5000 Deductible |