Punta Gorda Insurance Rates:

Punta Gorda, FL homeowners insurance is nearly $1,000 to $1,368, about $83-$114/month. Our all inclusive research indicates shoppers can save as much as $473 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
They genreally offer a good values and rewards,If we continue more than a some years we will be offered some rewards or discounts.That is actually very good.
Usaa
I would recommend this company because they are great to work with, thorough, and well priced for the coverage you receive. We love it.
Usaa
Usaa has a very quick and easy claims process. i can call about a claim and have someone here to survey damages within a week.
Usaa
I would recommend them to anyone who is eligible and had birth home and auto policies. Overall they are pretty good
Usaa
Anytime i have had a question about coverage, pricing, or just needing to make a minor change in my plan, they are available to me twenty four hours a day.
Allstate
I like their user-friendly website and i like how our mortgage lender handles the insurance payments for us; we don't have to schedule payments or anything of that sort.
Tower Hill Insurance
Our insurance is through the roof because we live in a hurricane-prone area, even though we have never made a claim against any homeowners' insurance we owned. We used to have All State insurance and it was much cheaper, but they unceremoniously dumped us as customers along with all of the customers in my area through no fault of our own.at present, I am satisfied with this company.
Citizens Property Insurance
They didn't communicate effectively with me. As stated before, it took them weeks to tell me they wouldn't cover me because I didn't have a central air system. Then, when there was an issue with the payment schedule, they canceled my policy instead of contacting me by phone or email. It wasn't just some luxury item I was insured, it was my home, my biggest life investment, and it would have been nice to know the status of my coverage in a timelier manner, not by mail 5 days later. I've been through a lot to keep my policy, and I’ll stay with them until they raise the premium again.
Security First Home Insurance
I recently bought the home within the past year and have not really had to navigate the site too much. However, it is fairly user-friendly and my agent is easy to get a hold of.
Allstate
Liked that I was not made to feel stupid for not knowing some things when signing up, as a new homeowner there is a lot to learn and my questions were answered with patience.
Tower Hill Insurance
Tower Hill has had very good customer service from the first time we spoke with them. They understood why we wanted our coverage the way we did.
Allstate
I recommend it to my family, but also to my friends and acquaintances, however, there are things that I recommend to many people known by loo that in general there are important things
Allstate
They are cheap and easy to work with. They almost always are local therefore you talk with people in person not on a phone.

Punta Gorda, FL Homeowners Insurance By Home Value

Punta Gorda, FL Home Value Total Homes % of Total Average Punta Gorda, FL Homeowners Insurance
Less than $50,000 1,144 10.0% $153
$50,000 to $59,999 500 4.0% $319
$60,000 to $69,999 499 4.0% $402
$70,000 to $79,999 592 5.0% $461
$80,000 to $89,999 503 4.0% $532
$90,000 to $99,999 359 3.0% $592
$100,000 to $124,999 1,098 9.0% $686
$125,000 to $149,999 713 6.0% $852
$150,000 to $174,999 1,144 10.0% $1018
$175,000 to $199,999 579 5.0% $1172
$200,000 to $249,999 1,351 11.0% $1408
$250,000 to $299,999 1,071 9.0% $1716
$300,000 to $399,999 1,856 16.0% $2190

Top Home Insurance Agents Near Punta Gorda, FL

Home Insurance Company Near Punta Gorda, FL Homeowners Insurance Agency Near Punta Gorda, FL Address
NA Halbrehder Family Agency, Llc. Dba The Insurance Shop 601 Del Prado Blvd N 601 Del Prado Blvd N Cape Coral, Cape Coral, FL, 33909
NA M & M Insurance Services, Inc. 12541 Metro Pkwy Ste 6 Ft Myers, Fort Myers, FL, 33966
NA Kennedy Insurance, Inc. 9658 Moonlit Ct , Naples, FL, 34109
Allstate Collier Cty Ins Agcy 1312 N 15th St, Immokalee, FL, 34142
Travelers Dtrt Insurance Group Inc 12550 W Atlantic Blvd Cape Coral, Coral Springs, FL, 33071

Punta Gorda, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Punta Gorda, FL

Streets in Punta Gorda Area Homeowners Insurance Cost
Notre Dame Blvd, Eaverson Rd, Hesta Misty Ct, Bimini Ln, E McKenzie St, Lake St, Wharton Ave, Camellia Ter, Taralane Dr, Almar Dr$1,170
Vanilla Cir, E Charlotte Ave, Taggart Ln, Vinca Rosea, Remington Ct, Messina Dr, Saint Pierre Rd, Rabat Way, 8th Ave, Ames St$1,172
Jack St, Henry St, Lewis Cir, West Virginia Ave, Oresto Ct, Gondolier Ave, Dee Pl, Marylu Ave, Bayswater Rd, Narranja St$1,134
Spanish Cay Ln, Duncan Rd, Perico Way, Hilnick Dr, Santander Ct, Cedarbrook Dr, Poindexter Ave, Dolphin Pkwy, Brazilia Ct, S Crete Ct$1,311
Harvey St, San Benito Dr, Lean Ct, Milus St, Edam St, Co Rd 74, Medici Ct, Orange St, Willow Rd, Livingston Dr$1,153
Beech Rd, Strasse Blvd, N Manatee Loop, Genoa Ct, Vine Cir, Santa Brigida Ct, Brink Ave, Walnut Dr, Hazel Cir, Azure Ct$1,245
Caladium Ave, Peace St, Bal Harbor Blvd, Tampico Ln, Boardman Dr, River Haven Dr, Tiger T Ln, Marlin Pl, Ovideo St, Buenos Ct$1,166
Kings Ct, Rio Lisbo Ct, Dolphin, Winding River Rd, Catalina Dr, Capistrano Dr, Buttonwood, Bloxham Ave, Turtle Dove Blvd, Suzan Dr$1,154
Skylane Way, Hilbish Dr, Pinewood Ln, San Rafael, Gulfview Rd, Senator Dr, Rio Ct, Feathersound Dr, San Ciprian Rd, Nutmeg Rd$1,174
Hibiscus Dr, Sweet Alyssum, Savoy Dr, Belize Ct, Ainse Ct, Nesbit St, Gulf Breeze Ln, Palermo Dr, Michigan Dr, Lucas Way$1,177

Punta Gorda, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Punta Gorda$176 to $178
Charlotte County$174
Cleveland$167
Suncoast Estates$165

Punta Gorda, 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
Charlotte County, Florida $174 $232 $348
Cleveland CDP, Florida $167 $223 $335
North Fort Myers CDP, Florida $167 $223 $335

Punta Gorda, 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
Punta Gorda, FL5.8%18.7%
Charlotte County6.92%20.68%
Cleveland8.25%26.8%
North Fort Myers7.2%19.31%

Punta Gorda Renters Insurance as a Percentage of Rent

Punta Gorda Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 72 2.0% $333
$200 to $299 42 1.0% $783
$300 to $499 63 2.0% $1233
$500 to $749 679 26.0% $1908
$750 to $999 1,013 39.0% $2658
$1,000 to $1,499 475 18.0% $3783
$1,500 or more 234 9.0% $5433

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Integrity Insurance $3,179
150,000 27 NO Castle Key Indemnity Company Insurance $4,002
150,000 27 NO Federated National Insurance $3,448
150,000 27 NO First Protective Insurance $1,980
150,000 27 NO Florida Family Insurance $3,403
150,000 27 NO Liberty Mutual Fire Insurance $2,581
150,000 27 NO Tower Hill Prime Insurance $2,739
150,000 27 YES Castle Key Indemnity Company Insurance $1,782
150,000 27 YES Florida Family Insurance $2,179
150,000 27 YES Liberty Mutual Fire Insurance $1,315
150,000 27 YES State Farm Florida Insurance $2,117
150,000 27 YES Stillwater Property And Casualty Insurance $1,538
300,000 12 NA Asi Preferred Insurance $2,434
300,000 12 NA Florida Family Insurance $3,721
300,000 12 NA Florida Peninsula Insurance $2,707
300,000 12 NA Southern Fidelity Insurance $3,548
300,000 12 NA St. Johns Insurance $2,153
300,000 12 NA Stillwater Property And Casualty Insurance $2,054
300,000 12 NA Tower Hill Signature Insurance $2,233
300,000 12 NA United Property & Casualty Insurance $2,709

Punta Gorda, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$5,700
Yearly Punta Gorda Homeowner Insurance Premium Example $5,800$4,800
Out of Pocket Expense During Claim$1,700$5,700
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $30,700$29,700
Net Savings to Punta Gorda Home Owner from High Deductible Plan $1,000

Punta Gorda, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Punta Gorda, FL Home Replacement Value MORE than Home Value Punta Gorda, FL Home Replacement Value LESS than Home Value
Replacement Value $413,000 $280,000
Insurance Premium based on Replacement Value $7,775 $5,275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $61,500 Risk Exposure from Under Insuring Coverage is $71,500
Premium Impact Insurance cheaper by $1,350/year Insurance costlier by $1,150/year

Example Punta Gorda Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceLiberty MutualGEICO Insurance
Monthly Premium 273527337
Year Built 199019842013
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $150000-$175000$300000-$350000$200000-$250000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 270,000 Slate Shingles Roof 3,110 4 $500- $1000 Deductible 4460 9 Vinyl siding yes
2014 140,000 Slate Shingles Roof 1,320 3 $2500-$5000 Deductible 1480 9 Fiber-Cement Siding yes
2007 170,000 Metal Roof 1,650 3 $1000-$2500 Deductible 2110 12 Brick siding yes
2011 225,000 Slate Shingles Roof 2,190 4 $500- $1000 Deductible 980 3 Stucco siding yes
2014 255,000 Composition Roof 2,050 4 > $10,000 Deductible 2410 12 Wood siding yes
1992 155,000 Tile Roof 1,530 3 $500 Deductible 800 3 Brick siding yes
1989 225,000 Metal Roof 1,870 4 $500- $1000 Deductible 2580 7 Vinyl siding yes
2001 200,000 Composition Roof 1,680 3 $1000-$2500 Deductible 1080 4 Wood siding yes
1994 160,000 Tile Roof 1,860 4 $500 Deductible 1070 4 Vinyl siding No
2010 230,000 Composition Roof 1,960 3 $5000 to $10,000 Deductible 1460 6 Stone Siding yes
2002 150,000 Metal Roof 1,660 3 $500 Deductible 1470 4 Stone Siding yes
2012 195,000 Tile Roof 1,700 3 $500 Deductible 4380 12 Vinyl siding No
2000 155,000 Metal Roof 1,570 3 $1000-$2500 Deductible 540 3 Vinyl siding No
2000 235,000 Composition Roof 2,160 3 $500- $1000 Deductible 4010 10 Vinyl siding No
1989 225,000 Metal Roof 2,410 4 $500- $1000 Deductible 3620 12 Brick siding yes
1999 195,000 Shingles Roof 1,690 4 $5000 to $10,000 Deductible 220 1 Brick siding yes
1998 145,000 Wood Shake Roof 1,480 3 $2500-$5000 Deductible 350 3 Wood siding yes
1997 415,000 Composition Roof 3,360 4 $500- $1000 Deductible 2640 4 Brick siding yes
2010 185,000 Tile Roof 1,650 4 $500- $1000 Deductible 1180 4 Stucco siding yes
2000 205,000 Asphalt Shingles Roof 1,660 3 $500 Deductible 1540 6 Fiber-Cement Siding yes
1993 180,000 Composition Roof 1,930 3 $1000-$2500 Deductible 2600 12 Stucco siding No
1983 160,000 Shingles Roof 1,820 3 $5000 to $10,000 Deductible 460 2 Fiber-Cement Siding No
2006 190,000 Metal Roof 1,740 3 $500- $1000 Deductible 510 2 Stucco siding yes
1990 330,000 Asphalt Shingles Roof 2,990 4 $500- $1000 Deductible 940 2 Brick siding No
1989 270,000 Composition Roof 2,970 4 > $10,000 Deductible 520 2 Fiber-Cement Siding yes
1992 370,000 Composition Roof 3,350 4 $2500-$5000 Deductible 3840 12 Stucco siding yes
1991 175,000 Wood Shake Roof 1,520 3 $500- $1000 Deductible 3120 10 Stone Siding No
2011 130,000 Composition Roof 1,310 3 $1000-$2500 Deductible 680 4 Stone Siding yes
2014 410,000 Asphalt Shingles Roof 3,320 4 $500- $1000 Deductible 4510 7 Wood siding No
2014 310,000 Shingles Roof 3,350 4 $500- $1000 Deductible 2040 4 Stone Siding No
2003 125,000 Slate Shingles Roof 1,280 3 $2500-$5000 Deductible 1060 7 Wood siding yes
1983 335,000 Shingles Roof 3,360 4 $500- $1000 Deductible 4220 10 Fiber-Cement Siding No
1988 120,000 Tile Roof 1,350 3 $500- $1000 Deductible 710 5 Wood siding yes
2008 185,000 Membrane Roof 1,810 4 $500- $1000 Deductible 810 3 Brick siding No

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