I’ve been fortunate enough to have lived in Fort Myers for ten years now and have been a Fort Myers Home Insurance agent for the last five years. It certainly is a very unique market. In my very first full year of living in Fort Myers, we experienced Hurricane Charley. Home insurance companies paid out billions that year in claims, and the Fort Myers Home Insurance market hasn’t been the same since.
We’ve got a handful of unique issues here in Fort Myers when it comes to Homeowners Insurance. Everyone in Fort Myers lives in a coastal community. Whether you live right on the Caloosahatchee River or out east in Gateway, you’re still coastal and at a great risk for hurricane damage (compared to say Wisconsin). Every Fort Myers Home Insurance policy has both hurricane coverage and fire/theft/all perils coverage. Logically then, Home Insurance in Fort Myers is going to be higher (typically double or more) than the rest of the country.
By the way, it’s important to note that Flood insurance is NOT included on any Florida home insurance policy and a separate policy would need to be purchased to cover damages caused by Flood (rising water from outside the home).Get a Free Home Insurance Quote
At the Culbertson Agency, the average annual Fort Myers Homeowners Insurance premium is $1638.
Our lowest priced active policy in Fort Myers is $688 annual premium (smaller, newer home in the Gateway 33913 are, zip code 33913) and the high end is $7294 (large, older historic downtown Fort Myers home, on the river, zip code 33901).
Chances are, you fall somewhere between these two extremes and probably somewhere close to the average.
There are some things you can do to help lower the cost of your Fort Myers Home Insurance, but the best thing you can do is use a professional and LOCAL insurance agent in Fort Myers who can help you navigate the tricky Florida market. We'd love to be that agent.
If you’d like a FREE, no obligation Fort Myers Home Insurance quote, the process takes about 5 minutes, and we’ll have a personalized quote back to you within a few hours after we review the specifics of your home and compare rates with the 13 A-rated insurance companies we represent for Fort Myers Home Insurance. You may also give our Fort Myers Insurance Agency a call anytime at (239) 210-7700 or toll-free at (877) 453-8631.