Gavop shows you how to buy homeowners insurance in Villas, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $58,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $125,500 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $113,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $280,000 | $230,000 | $300,000-$350,000 |
| 5 Bedroom | $149,500 | $130,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$173 | $786 |
| Superior Protection Discount | -$86 | $873 |
| Fire & Security Discount | -$67 | $892 |
| Hail Resistant Roof Discount | -$29 | $930 |
| Newly Constructed Home Discount | -$259 | $700 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Lee County | $2,500 | $1,495 | $3,995 | $1,086 | $3,586 | $408 |
| Villas, FL | $1,500 | $948 | $2,448 | $689 | $2,189 | $259 |
| Lee County, FL | $300 | $1,495 | $1,795 | $1,086 | $1,386 | $408 |
| McGregor, FL | $1,000 | $924 | $1,924 | $672 | $1,672 | $253 |
| Estero Island, FL | $100 | $929 | $1,029 | $675 | $775 | $254 |
| Matlacha, FL | $700 | $2,464 | $3,164 | $1,791 | $2,491 | $673 |
| Olga, FL | $400 | $1,438 | $1,838 | $1,045 | $1,445 | $393 |
| Sanibel, FL | $700 | $927 | $1,627 | $674 | $1,374 | $253 |
| Naples Park, FL | $300 | $2,303 | $2,603 | $1,674 | $1,974 | $629 |
| Fort Denaud, FL | $2,500 | $1,147 | $3,647 | $834 | $3,334 | $313 |
| Harbour Heights, FL | $200 | $1,567 | $1,767 | $1,139 | $1,339 | $428 |
| Immokalee, FL | $1,500 | $1,479 | $2,979 | $1,075 | $2,575 | $404 |
| Home Insurance Company Villas, FL | Homeowners Insurance Agency Villas, FL | Address | Popularity Score | Distance from Villas (miles) |
|---|---|---|---|---|
| Allstate | Susan Fahs | 14421 Metropolis Ave Ste 105, Fort Myers, FL, 33912 | 1.5 | |
| Allstate | Robert Estling | 12820 Tamiami Trl N Ste 3, Naples, FL, 34110 | 18.5 | |
| Allstate | Mariela Emblidge | 4075 Pine Ridge Rd Ste 5, Naples, FL, 34119 | 25.8 | |
| Allstate | Bryan Avery | 4085 Hancock Br Pkwy Ste 116, North Fort Myers, FL, 33903 | 7.6 | |
| Travelers | Rosier Insurance | 9696 Bonita Beach Rd., Suite103 , Bonita Springs, FL, 34135 | 15.8 | |
| Allstate | Jill Wedeles Caile | 8841 College Pkwy Ste 103, Fort Myers, FL, 33919 | 2.1 | |
| Allstate | Tracey Coppin | 9671 Gladiolus Dr Ste 105, Fort Myers, FL, 33908 | 3.6 | |
| Allstate | Kathy Orr | 15880 Summerlin Rd Ste 306, Fort Myers, FL, 33908 | 3.2 | |
| Travelers | Cape Insurance Agency Inc | 3624 Del Prado Blvd S Ste B, Cape Coral, FL, 33904 | 5.2 | |
| Liberty Mutual Independent | Stewart & Sons Insurance Inc | 8548 Crystal Ct Ft Myers, Fort Myers, FL, 33907 | 0.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Florida | $178,700 | $1,605 | $1,250 | $2,150 | $900 |
| Lee County, FL | $190,200 | $1,513 | $1,180 | $2,030 | $850 |
| Villas, FL | $140,300 | $959 | $750 | $1,290 | $540 |
| Lee County, FL | $190,200 | $1,513 | $1,180 | $2,030 | $850 |
| McGregor, FL | $311,500 | $936 | $730 | $1,250 | $520 |
| Estero Island, FL | $380,400 | $940 | $730 | $1,260 | $530 |
| Matlacha, FL | $320,000 | $2,494 | $1,950 | $3,340 | $1,390 |
| Olga, FL | $156,100 | $1,455 | $1,130 | $1,950 | $820 |
| Sanibel, FL | $705,900 | $938 | $730 | $1,260 | $530 |
| Naples Park, FL | $292,700 | $2,331 | $1,820 | $3,120 | $1,300 |
| Fort Denaud, FL | $112,500 | $1,161 | $910 | $1,560 | $650 |
| Harbour Heights, FL | $175,800 | $1,586 | $1,240 | $2,130 | $890 |
| Immokalee, FL | $274,300 | $1,497 | $1,170 | $2,010 | $840 |