Gavop's guide to buying homeowners insurance in Estero, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $78,000 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $200,000 | $170,000 | $150,000-$175,000 |
| 3 Bedroom | $275,000 | $240,000 | $250,000-$300,000 |
| 4 Bedroom | $383,500 | $320,000 | $300,000-$350,000 |
| 5 Bedroom | $710,000 | $580,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$170 | $773 |
| Superior Protection Discount | -$85 | $858 |
| Fire & Security Discount | -$94 | $849 |
| Hail Resistant Roof Discount | -$19 | $924 |
| Newly Constructed Home Discount | -$236 | $707 |
| 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, FL | $2,000 | $932 | $2,932 | $677 | $2,677 | $255 |
| Pine Manor, FL | $1,000 | $680 | $1,680 | $494 | $1,494 | $186 |
| Gateway, FL | $400 | $1,173 | $1,573 | $852 | $1,252 | $321 |
| Pelican Bay, FL | $1,500 | $926 | $2,426 | $673 | $2,173 | $253 |
| North Fort Myers, FL | $500 | $907 | $1,407 | $659 | $1,159 | $248 |
| Olga, FL | $700 | $1,438 | $2,138 | $1,045 | $1,745 | $393 |
| Pine Island, FL | $200 | $938 | $1,138 | $682 | $882 | $256 |
| Boca Grande, FL | $2,500 | $897 | $3,397 | $652 | $3,152 | $245 |
| Everglades, FL | $400 | $993 | $1,393 | $722 | $1,122 | $271 |
| Home Insurance Company Estero, FL | Homeowners Insurance Agency Estero, FL | Address | Popularity Score | Distance from Estero (miles) |
|---|---|---|---|---|
| Travelers | My Florida Insurance Inc | 14700 Tamiami Trail N Ste 8, Naples, FL, 34110 | 8.2 | |
| Allstate | Susan Fahs | 14421 Metropolis Ave Ste 105, Fort Myers, FL, 33912 | 8.2 | |
| Allstate | Capt. David Schuman | 1329 Hibiscus Dr, Cape Coral, FL, 33909 | 18.9 | |
| Allstate | Mike Arcentales | 27241 Bay Landing Dr Ste 3, Bonita Springs, FL, 34135 | 5.5 | |
| Travelers | Rosier Insurance | 9696 Bonita Beach Rd Ste 103, Bonita Springs, FL, 34135 | 6.4 | |
| Travelers | Pioneer Insurance | 13411 Parker Commons Blvd, Fort Myers, FL, 33901 | 8.8 | |
| Travelers | Greg Thomas Insurance Agency Inc | 5801 Pelican Bay Blvd Ste 501, Naples, FL, 34108 | 14.2 | |
| Allstate | Andrea Fiebe | 3525 Bonita Beach Rd Ste 102, Bonita Springs, FL, 34134 | 6.4 | |
| Travelers | Ott Insurance | 10915 Bonita Beach Rd Se Ste 1141 , Bonita Springs, FL, 34135 | 6.6 | |
| Allstate | Ted Todd | 10020 Coconut Rd Ste 144, Bonita Springs, FL, 34135 | 2.1 |
| 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, FL | $309,500 | $943 | $740 | $1,260 | $520 |
| Pine Manor, FL | $43,100 | $688 | $540 | $920 | $380 |
| Gateway, FL | $289,800 | $1,187 | $930 | $1,590 | $660 |
| Pelican Bay, FL | $852,300 | $937 | $730 | $1,260 | $530 |
| North Fort Myers, FL | $82,300 | $918 | $720 | $1,230 | $510 |
| Olga, FL | $156,100 | $1,455 | $1,130 | $1,950 | $820 |
| Pine Island, FL | $187,800 | $950 | $740 | $1,270 | $530 |
| Boca Grande, FL | $1,227,700 | $908 | $710 | $1,220 | $510 |
| Everglades, FL | $215,200 | $1,005 | $780 | $1,350 | $570 |