Gavop shows you how to buy homeowners insurance in Charlotte County, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Charlotte County, FL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Thunderation Way, Bradley St, Longshore Rd, McKee St, Lincoln Rd, Wilson Dr, Richard Rd, Ave I, Pennant Pl, Dollard Ave | $180,000 | $160,000 | $150,000-$175,000 | $99,000 | $80,000 | $75,000-$100,000 |
| Gingold St, Wilmers Rd, Prague Ln, Kimsey Ave, S Access Rd, Disston Ave, Craemer St, Gardenia Ter, Coral Way, Montauk St | $169,500 | $140,000 | $150,000-$175,000 | $156,500 | $130,000 | $150,000-$175,000 |
| Storm Lake St, Banana St, Lamont Ave, Foley Dr, Carissa, Grover Ave, Bolender St, Alocasia Ln, Woodholm Dr, Via Bianca | $91,000 | $90,000 | $75,000-$100,000 | $62,500 | $60,000 | $50,000-$75,000 |
| Sibley Bay St, Welsh St, Jacinto Dr, Rumford St, Newbury St, Carnauba Dr, Mooring Pl, Union Ave, Statler St, Chatham St NW | $145,000 | $130,000 | $150,000-$175,000 | $103,500 | $90,000 | $100,000-$125,000 |
| Evelyn Rd, Desmond St, Charlotte St, Sistina St, Kirtland Ave, Longshore Rd, San Domingo Dr, Grassland Ter, Kraft Ave, Jessica Ter | $135,500 | $120,000 | $150,000-$175,000 | $129,500 | $120,000 | $125,000-$150,000 |
| Robin Dr, Greenwich Ave, Blarney St, Hartford Dr NW, Gennaro Ave, Liddy St, Dania Ave, Gary Ave, Steadman St, Indiana Rd | $242,000 | $210,000 | $200,000-$250,000 | $134,000 | $110,000 | $100,000-$125,000 |
| Macarthur Dr, Lace Ter, Tuckers Grade, San Lucas, Keldholme Ct, Clinton Ave, Ashton Ave, Tucker Ave, Felicia St, Biltmore St | $114,500 | $100,000 | $100,000-$125,000 | $94,000 | $80,000 | $100,000-$125,000 |
| Winningway St, San Marie Dr, Wesley Dr, Brookridge St, Cook and Brown Rd, Kansas City St, Hart St, Crandall St NW, Cross St, Webb Ct | $115,500 | $100,000 | $100,000-$125,000 | $159,500 | $140,000 | $125,000-$150,000 |
| Margo Cir, River Beach Dr, Seaport St, Quirt Ln, Tedder St, Sullivan St, Manor Rd, Aaron St, Commerce St, de Leon Dr | $127,500 | $100,000 | $100,000-$125,000 | $127,000 | $110,000 | $100,000-$125,000 |
| Confound Rd, Zana Ave, Partridge Ave, Whidden Blvd, Holbein St, Belaire Ct, McCall Rd, Flagstaff Dr, Banyan Dr, Vanguard Ter | $225,000 | $190,000 | $200,000-$250,000 | $88,500 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$205 | $1,160 |
| Superior Protection Discount | -$136 | $1,228 |
| Fire & Security Discount | -$109 | $1,255 |
| Hail Resistant Roof Discount | -$41 | $1,323 |
| Newly Constructed Home Discount | -$300 | $1,064 |
| 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 |
| Charlotte County | $700 | $1,348 | $2,048 | $980 | $1,680 | $368 |
| Charlotte County, FL | $1,000 | $1,348 | $2,348 | $980 | $1,980 | $368 |
| Charlotte Harbor, FL | $100 | $1,176 | $1,276 | $854 | $954 | $321 |
| Grove City-Rotonda, FL | $700 | $1,576 | $2,276 | $1,145 | $1,845 | $431 |
| Whiskey Creek, FL | $300 | $1,019 | $1,319 | $740 | $1,040 | $278 |
| Fort Myers, FL | $700 | $1,357 | $2,057 | $986 | $1,686 | $371 |
| Grove City, FL | $500 | $1,227 | $1,727 | $892 | $1,392 | $335 |
| Limestone, FL | $2,500 | $767 | $3,267 | $557 | $3,057 | $210 |
| Lake Placid, FL | $200 | $810 | $1,010 | $589 | $789 | $221 |
| Fruitville, FL | $2,500 | $1,033 | $3,533 | $751 | $3,251 | $282 |
| Highlands County, FL | $500 | $943 | $1,443 | $685 | $1,185 | $258 |
| Home Insurance Company Charlotte County, FL | Homeowners Insurance Agency Charlotte County, FL | Address | Popularity Score | Distance from Charlotte County (miles) |
|---|---|---|---|---|
| Travelers | Greg Thomas Insurance Agency Inc | 5801 Pelican Bay Blvd Ste 501, Naples, FL, 34108 | 45.7 | |
| Allstate | Capt. David Schuman | 1329 Hibiscus Dr, Cape Coral, FL, 33909 | 13.6 | |
| Travelers | Pioneer Insurance | 2709 Swamp Cabbage Ct # 105 Fort Myers, Fort Myers, FL, 33901 | 19.1 | |
| Allstate | Mariela Emblidge | 4075 Pine Ridge Rd Ste 5, Naples, FL, 34119 | 47.8 | |
| Liberty Mutual Independent | Brown & Brown Of Florida Inc | 3820 Colonial Blvd Ste 200, Fort Myers, FL, 33966 | 19.7 | |
| Travelers | Dawson Insurance | 3501 Del Prado Blvd S Ste 204, Cape Coral, FL, 33904 | 19.4 | |
| Travelers | Nolan Family Insurance Agency Inc | 301 W Marion Ave Punta Gorda, Punta Gorda, FL, 33950 | 8.2 | |
| Travelers | Nolan Family Insurance Agency Inc | 100 Madrid Blvd #111, Punta Gorda, FL, 33950 | 5.5 | |
| Travelers | John Burchianti Insurance | 41180 Horesehoe Rd, Punta Gorda, FL, 33982 | 7.2 | |
| Travelers | Brightway Insurance | 8660 College Pkwy Sw 300 , Fort Myers, FL, 33919 | 21.6 |
| 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 |
| Charlotte County, FL | $165,200 | $1,364 | $1,060 | $1,830 | $770 |
| Charlotte County, FL | $165,200 | $1,364 | $1,060 | $1,830 | $770 |
| Charlotte Harbor, FL | $116,800 | $1,190 | $930 | $1,590 | $660 |
| Grove City-Rotonda, FL | $177,100 | $1,595 | $1,240 | $2,140 | $900 |
| Whiskey Creek, FL | $222,700 | $1,031 | $800 | $1,380 | $580 |
| Fort Myers, FL | $166,700 | $1,373 | $1,070 | $1,840 | $770 |
| Grove City, FL | $124,400 | $1,242 | $970 | $1,660 | $690 |
| Limestone, FL | $56,000 | $776 | $610 | $1,040 | $430 |
| Lake Placid, FL | $111,300 | $820 | $640 | $1,100 | $460 |
| Fruitville, FL | $226,800 | $1,046 | $820 | $1,400 | $580 |
| Highlands County, FL | $87,900 | $954 | $740 | $1,280 | $540 |