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Best Homeowners Insurance in Fort Myers, FL

Aug. 15, 2019, 8:17 p.m.

Homeowners insurance covers loss or damage at your property due to events including fire, windstorms, lightning, theft and vandalism. It also protects homeowners financially if they are responsible for an accidental injury or death. Although home insurance is not mandated in Florida, many mortgage lenders require it — and it makes sense to purchase it to protect your most valuable asset. To help you find the right policy, our partners at ConsumerAffairs researched the best homeowners insurance in Fort Myers.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. Fox 4 Now may receive compensation from our partners. Learn more.

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#1
MOST POPULAR
Progressive

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#1 MOST POPULAR
Progressive
Progressive
Features
  • Covers other structures on your property
  • Alarm system discounts
  • HomeQuote explorer
  • Available in Fort Myers
Read More
Location
Serves residents in
Fort Myers, FL
(800) 876-5581
#2
GEICO
GEICO
Features
  • Free online quotes
  • Liability coverage
  • Military discount
  • Available in Fort Myers
Read More
Location
Serves residents in
Fort Myers, FL
(800) 241-8098
#3
State Farm
State Farm
Features
  • Home inventory tools
  • Weather coverage
  • Roofing discounts
  • Available in Fort Myers
Read More
Location
9321 6 Mile Cypress Pkwy., Ste. 120
Fort Myers, FL 33966
(239) 332-4999
#4
Tim Shaw Insurance
Tim Shaw Insurance
Features
  • Independent agency with top carriers
  • Over two decades of experience
  • Based in Fort Myers
  • Affordable policies
Read More
Location
4091 Colonial Blvd., Ste. 100
Fort Myers, FL 33966
(239) 939-1010
#5
Regency Insurance Group
Regency Insurance Group
Features
  • Multiple policy options
  • No-pressure quotes
  • Exceptional customer service
  • BBB A+ rating
Read More
Location
5248 Red Cedar Dr., Ste. 103
Fort Myers, FL 33907
(877) 427-5243
AWA Insurance
AWA Insurance
Features
  • M-F: 7:30am - 4:30pm
  • Closed Sat and Sun
  • awainsurance.com
Location
13700 6 Mile Cypress Pkwy., Ste. 1
Fort Myers, FL 33912
(239) 418-1100
Edison Insurance Group
Edison Insurance Group
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • edisonins.com
Location
3835 Palm Beach Blvd.
Fort Myers, FL 33916
(239) 693-0400
Wilcox Family Insurance
Wilcox Family Insurance
Features
  • M-F: 9am - 6pm
  • Sat: 11am - 3pm
  • Closed Sun
  • wilcoxfamilyinsurance.com
Location
3707 Cleveland Ave.
Fort Myers, FL 33901
(239) 337-7755
The Thompson Agency
The Thompson Agency
Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • thompsoninsurancefl.com
Location
2132 McGregor Blvd.
Fort Myers, FL 33901
(239) 689-8570
Lott & Gaylor Insurance
Lott & Gaylor Insurance
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • lott-gaylor.com
Location
2120 W. First St.
Fort Myers, FL 33901
(239) 337-2221
Tom Mere Insurance Agency
Tom Mere Insurance Agency
Features
  • M-F: 8:30am - 4:30pm
  • Closed Sat and Sun
  • tommereinsurance.com
Location
1555 N. Tamiami Trail
North Fort Myers, FL 33903
(239) 995-1333

How to choose homeowners insurance in Fort Myers

Fort Myers Skyline

A standard homeowners insurance policy in Fort Myers is divided into several different types of coverages. Policyholders have the option to purchase coverages in different amounts, which determines the maximum the provider will pay out if you file a claim.

Type of coverage What it covers How much to get
Dwelling Physical structure of the home, like the walls and roof Amount it takes to rebuild the home
Other structures Physical structure of buildings on the property separate from a home, like a detached garage Insurance company calculates as a percentage of dwelling coverage
Personal property Belongings inside the home, such as furniture or TVs Amount it takes to replace belongings; Insurance company calculates as a percentage of dwelling coverage
Liability Claims of injury or property damage for which you, a family member or pet is at fault Sufficient amount to cover personal assets in case of a lawsuit
Additional living expense Temporary living arrangements if a home is uninhabitable due to a covered loss Insurance company calculates as a percentage of other coverage
Medical payments to others Medical expenses for guests injured at the home Usually limited to a low number, like $1,000 or $5,000

How much does homeowners insurance cost in Fort Myers?

Florida has the highest homeowners insurance costs in the U.S. In Lee County, the average homeowner pays over $3,000 per year.

Providers calculate homeowners insurance premiums based on a number of factors, such as your claims history, the age and location of your home, the property’s building materials and fire protection in the area.

Average home insurance rates in Fort Myers

Fort Myers area Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
Cypress Lake (33919) $3,758 $7,254 $10,690
Pine Manor (33907) $3,575 $6,902 $10,176
Brookshire Lakes (33966) $4,031 $7,867 $11,634
Fort Myers Estates (33916) $3,551 $6,847 $10,090
Lehigh Acres (33971) $3,546 $6,836 $10,073
Buckingham (33905) $3,561 $6,867 $10,120

Note: Based on dwelling coverage above with a constant $1,000 deductible and $100,000 liability.

When looking at different homeowners insurance policies in Fort Myers, it is important to understand what perils your home and personal property are protected against. Usually, the policy will either name all perils that are covered, or, most commonly, it will name only the exclusions.

Here are other some other considerations before you purchase homeowners insurance in Fort Myers:

  • Don’t wait until hurricane season to get coverage; it is not possible to purchase new or additional coverage when a hurricane or tropical storm watch has been issued for any area in the state.
  • In Fort Myers, windstorm coverage may be excluded from a standard homeowners insurance policy; you can purchase this coverage separately.
  • Most policies exclude flood damage; Fort Myers residents should ask insurers about the National Flood Insurance Program.
  • Insurers are required to cover “catastrophic ground cover collapse,” but don’t need to include sinkhole coverage; ask the insurer for more information.

Before you sign up for homeowners insurance, be sure you are taking advantage of all available discounts. Most insurers offer savings for bundling homeowners insurance with other policies, having a security system, using certain roofing materials, being a new homeowner or paying a yearly premium in advance.

Progressive

Progressive

Progressive is one of the largest insurers in the U.S. Customers can see rates and coverages using the online HomeQuote Explorer tool, which shows side-by-side comparisons from multiple companies. Discounts are available for bundling homeowners and auto coverage, having an alarm system, planning ahead for coverage and going paperless. Reviewers like Progressive’s rates, its customer service and the easy-to-understand policies.

GEICO

GEICO

GEICO makes getting homeowners insurance easy and affordable. Get a free quote online or call to speak with expert professionals. Discounts are available if you insure both your home and automobile with the company, if you have a home security system or if you have smoke alarms. Customers comment positively on the policy prices and the claims support.

State Farm

State Farm

Visitors to State Farm’s website will find a wealth of resources on homeowners insurance. The company makes it simple to get a personalized quote and understand coverage. Discounts are available for purchasing multiple policies, having home monitoring systems and using impact-resistant roofing products. Fort Myers customers are generally satisfied with their coverage from this nationally recognized insurer.

Tim Shaw Insurance

Tim Shaw Insurance

Tim Shaw Insurance, headquartered in Fort Myers, is an independent insurance agency with over 20 years of experience. The company sells policies from every insurance carrier in Fort Myers, offering customers options at competitive prices. Quotes and advice from Tim Shaw Insurance are free. Local reviewers comment on the dedication and professionalism of the staff.

Regency Insurance Group

Regency Insurance Group

Regency Insurance Group, based in Fort Myers, works with top providers to give Fort Myers residents great coverage at affordable prices. Customers can expect to work with industry experts to come up with a personalized solution for homeowners insurance. Reviewers praise the helpful customer service during the claims process and the company’s commitment to client satisfaction.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.