Call Us 1-800-829-5270 ☰ ˟
Southwest Florida Insurance
Call Us: 1-800-829-5270
  • Get A Quote ▼
    • Health
    • Homeowners
    • Auto
    • Specialty Vehicles
    • Business Insurance
    • Life Insurance
  • Our Products ▼
    • Our Products
    • Health ►⤵
      • Health
      • Individual Health
      • Medicare
      • Medical Supplements
      • Vision
      • Dental
      • Hospital Indemnification
      • Long term Care
    • Home ►⤵
      • Homeowners
      • Condo Owners Renters
      • Rental Property Insurance
      • Vacation Rentals
      • Umbrella Policy
      • Flood
    • Auto ►⤵
      • Personal Auto
      • Classic Auto
      • Motorcycle
    • Specialty Vehicles ►⤵
      • Motorhomes
      • RV's Boats
      • Jets Ski
      • Golf Carts
    • Business Insurance ►⤵
      • Liability Insurance
      • Property Insurance
      • Workers Compensation
      • Commercial Auto
    • Life ►⤵
      • Term Life Insurance
      • Permanent Life Insurance
      • Annuities
      • Disability
      • Long Term Care
  • Customer Service ▼
    • Customer Service
    • Make a Payment
    • File a Claim
    • Proof of Insurance or Insurance ID cards
    • Carrier Direct Support
  • Resources ▼
    • Refer A Friend
    • Our Carriers
    • Insurance Glossary
  • Blog ▼
    • Blog
  • About Us ▼
    • Contact Us
    • About Us
    • Our Locations
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
Health Icon

Health

We browse through a wide variety of coverages and find the right one for you.

Learn More
Auto Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Commercial Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life Icon

Life

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Home Insurance - Naples, Port Charlotte, Fort Myers, FL

Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for a quote? Click below.



Get A Homeowners Insurance Quote

Homeowners Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Request Evidence of Insurance

Homeowners Insurance Information

Buying a house takes a lot of thought, time and money. Once you have this precious, valuable piece of property, you’ll want to protect it with quality homeowners insurance. It is imperative that you get the right policy to insure yourself against the property risks and personal liabilities that could threaten at any time. As unique as your property is, you’ll need to take the time to tailor your policy to fit it.

Residents of Fort Myers and beyond trust Southwest Florida Insurance to help them find quality homeowners insurance solutions. We offer policies that are both effective in times of loss and conscious of your budgetary needs.

As an independent agency, we’re committed to helping you compare multiple policy options to find the one that is best for you. To get started, call us at (800) 829-5270 or click here to get a quote.

Common Homeowners Insurance Questions

Why Is Home Insurance Necessary?

Buying homeowners insurance means making your investment in your home more secure.

You never know when a hazardous event might occur on your property, and when it does, the process of picking up the pieces might prove costly. Without homeowners insurance in place, you run the risk of financial insecurity as you try to recover from house fires, weather damage, property theft, vandalism, lawsuits and other hazards.

With coverage, however, you’ll be able to make a claim for your losses on your homeowners policy. So long as the policy covers the cause of the damage, it will compensate you for your losses. Therefore, your own financial burden for your losses will drop substantially.

How Far In Advance Can I Buy Home Insurance?

If you plan to take out a mortgage to buy your home, then your lender will likely require you to buy a homeowners insurance policy before they will approve the loan. Therefore, you will need to have a policy before you can close the deal on the home.

Still, even if you don’t take out a mortgage, you can ensure you have coverage from day one by buying your policy early in the closing process.

Please note, homeowners insurance does not cover flood damage. However, you might have to buy flood insurance if you live in a designated flood zone. Click here to learn more about flood insurance.

How Much Home Insurance Do I Need?

Homeowners insurance is supposed to help you pay for the ramifications of costly accidents in your home. Policies will usually include coverage for the:

  • Dwelling: This coverage pays the replacement cost of a dwelling damaged by hazards like fires, theft, vandalism or weather.
  • Other Structures: You can insure detached garages, gazebos, fences and other property separate from your dwelling.
  • Possessions: This covers repairs or replacements for possessions damaged by hazardous events.
  • Homeowners Liabilities: This applies to legal fees and settlements arising from a lawsuit brought by a third party who experiences an injury or property damage that is your fault.
  • Living Expenses: This covers costs that arise when an accident occurs on your property and forces you to temporarily move out of the home.

At minimum, your policy should include replacement cost coverage for the dwelling itself. This is the cost necessary to repair or replace the home at today’s construction and labor costs.

All policies will include deductibles, exclusions and other limits on how much they will pay for certain losses. However, you can buy expanded options for your coverage including pet liabilities, umbrella liabilities, scheduled items riders or replacement cost possessions coverage.

How Much Does Home Insurance Cost Per Month?

All homeowners policies vary, and so do their premiums. Most insurers base premiums on risk factors that indicate a policyholder’s likelihood of filing a claim. Those with higher risks are more likely to pay more. Therefore, even if you and your neighbor buy similar policies, your premiums might vary.

Some of the factors that can influence how much you pay for your coverage might be:

  • The coverage limits, deductibles and endorsements of your chosen policy.
  • Your credit rating.
  • The value of the home.
  • Your location.
  • Your history of homeowners insurance claims.
  • The number of people and pets in the home.

If you are concerned about the cost of your policy, your agent is happy to work with you to explore your coverage options, available discounts and bundling options to keep your rates affordable.

Get In Touch!
1-800-829-5270

Contact Us
Facebook LinkedIn Twitter Google Posts Instagram Icon

Resources

  • Get A Quote
  • About
  • Refer
  • Our Carriers
  • Blog

Contact Us

Fort Myers
8595 College Parkway, Suite 160
Fort Myers, FL 33919

P: 239-489-1212
Naples
2500 Tamiami Trail North, Suite 113
Naples, FL 34103

P: 239-649-4442
Port Charlotte
3718 Tamiami Trail, Suite C
Port Charlotte, FL 33952

P: 941-624-3444
© Copyright 2021. All rights reserved. | Powered by Insurance Website Builder