Gavop's guide to buying homeowners insurance in Estero Island, FL covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Estero Island, FL - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Palermo Cir, Aberdeen Ave, Bonita Ct, Cortez Way, Gulf Beach Rd, Carlos Cir, Lanark Ave, Chapel St, Mound Rd, Little Carlos Ct | $285,000 | $260,000 | $200,000-$250,000 | $327,500 | $270,000 | $250,000-$300,000 |
| Shrimp Boat Ln, Harmony Ln, Spanish Main St, St Peters Dr, Ridge Ave, Fairview Blvd, San Carlos Ct, Oyster Bay Ln, Indian Bayou Dr, Lewis St | $419,500 | $340,000 | $350,000-$400,000 | $393,000 | $360,000 | $400,000-$500,000 |
| Flamingo St, Lanark Ave, Old San Carlos Blvd, Lauder St, Buccaneer Lagoon Ln, Williams Dr, Second St, Compass Ln, Aberdeen Ave, Pompano St | $244,500 | $210,000 | $200,000-$250,000 | $433,500 | $400,000 | $350,000-$400,000 |
| Voorhis St, Connecticut St, Doubloon Way, Gulf Island Dr, Lagoon Rd, Sea Side Dr, Emily Ln, Eucalyptus Ct, Bayside Rd, Key West Ct | $266,500 | $230,000 | $200,000-$250,000 | $446,000 | $360,000 | $500,000-$600,000 |
| Buccaneer Dr, Coquina Rd, Virginia Ave, Sterling Ave, Oak Ridge Ave, Mandalay Rd, Gulf Ct, Helen Ln, Bayland Rd, Sand Dollar Dr | $214,000 | $190,000 | $150,000-$175,000 | $333,000 | $290,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$160 | $780 |
| Superior Protection Discount | -$85 | $855 |
| Fire & Security Discount | -$103 | $837 |
| Hail Resistant Roof Discount | -$19 | $921 |
| Newly Constructed Home Discount | -$197 | $743 |
| 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 |
| Estero Island, FL | $700 | $929 | $1,629 | $675 | $1,375 | $254 |
| Three Oaks, FL | $200 | $1,947 | $2,147 | $1,415 | $1,615 | $532 |
| McGregor, FL | $700 | $924 | $1,624 | $672 | $1,372 | $253 |
| Whiskey Creek, FL | $500 | $1,019 | $1,519 | $740 | $1,240 | $278 |
| Pine Manor, FL | $1,000 | $680 | $1,680 | $494 | $1,494 | $186 |
| St. James City, FL | $300 | $1,658 | $1,958 | $1,205 | $1,505 | $453 |
| Lehigh Acres, FL | $2,000 | $959 | $2,959 | $697 | $2,697 | $262 |
| Charlotte County, FL | $200 | $1,348 | $1,548 | $980 | $1,180 | $368 |
| Grove City-Rotonda, FL | $700 | $1,576 | $2,276 | $1,145 | $1,845 | $431 |
| Harbour Heights, FL | $200 | $1,567 | $1,767 | $1,139 | $1,339 | $428 |
| Manasota Key, FL | $2,000 | $2,314 | $4,314 | $1,682 | $3,682 | $632 |
| Home Insurance Company Estero Island, FL | Homeowners Insurance Agency Estero Island, FL | Address | Popularity Score | Distance from Estero Island (miles) |
|---|---|---|---|---|
| Travelers | Brightway Insurance | 8660 College Pkwy Ste 300, Fort Myers, FL, 33919 | 9.9 | |
| Allstate | Susan Fahs | 14421 Metropolis Ave Ste 105, Fort Myers, FL, 33912 | 8.8 | |
| Allstate | Cathy L. Sink | 13650 Fiddlstiks Blvd Ste 203, Fort Myers, FL, 33912 | 9.6 | |
| Allstate | Jeffrey Bogan | 2425 Tamiami Trl N Ste 212, Naples, FL, 34103 | 17.5 | |
| Travelers | Five County Insurance Agency | 14120 Metropolis Ave, Fort Myers, FL, 33912 | 9.1 | |
| State Farm | Mark Ackerman | 7320 Sanibel Blvd, Fort Myers, FL, 33967-3337 | 5.8 | |
| Allstate | Belinda Malolli | 1855 Veterans Park Dr Ste 301, Naples, FL, 34109 | 12.4 | |
| State Farm | Ray Hair | 9541 Cypress Lake Dr Ste 1, Fort Myers, FL, 33919-4947 | 9.1 | |
| Allstate | Tracey Coppin | 9671 Gladiolus Dr Ste 105, Fort Myers, FL, 33908 | 7.4 | |
| Allstate | Andrea Fiebe | 3525 Bonita Beach Rd Ste 102, Bonita Springs, FL, 34134 | 8.1 |
| 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 |
| Estero Island, FL | $380,400 | $940 | $730 | $1,260 | $530 |
| Three Oaks, FL | $234,900 | $1,971 | $1,540 | $2,640 | $1,100 |
| McGregor, FL | $311,500 | $936 | $730 | $1,250 | $520 |
| Whiskey Creek, FL | $222,700 | $1,031 | $800 | $1,380 | $580 |
| Pine Manor, FL | $43,100 | $688 | $540 | $920 | $380 |
| St. James City, FL | $189,700 | $1,678 | $1,310 | $2,250 | $940 |
| Lehigh Acres, FL | $165,400 | $971 | $760 | $1,300 | $540 |
| Charlotte County, FL | $165,200 | $1,364 | $1,060 | $1,830 | $770 |
| Grove City-Rotonda, FL | $177,100 | $1,595 | $1,240 | $2,140 | $900 |
| Harbour Heights, FL | $175,800 | $1,586 | $1,240 | $2,130 | $890 |
| Manasota Key, FL | $294,600 | $2,342 | $1,830 | $3,140 | $1,310 |