Gavop shows you how to buy homeowners insurance in Sanibel, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Sanibel, 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 | |
| Mockingbird Dr, Hidden Ln, Bay Dr, Causeway Rd, Glory Cir, Par View Dr, Waters Edge Ln, Hodge Podge Ln, Bayview Dr, Oyster Shell Dr | $350,000 | $290,000 | $350,000-$400,000 | $674,500 | $540,000 | $500,000-$600,000 |
| Schooner Pl, Sanibel Bayou Rd, Buckthorn Ln, Library Way, Seascape Ct, Mourning Dove Dr, Cowry Ct, Southwinds Dr, Poinciana Cir, Rum Rd | $463,500 | $430,000 | $400,000-$500,000 | $396,500 | $360,000 | $350,000-$400,000 |
| Joewood Dr, Elinor Way, Palm St, Binder Dr, Sea Bell Rd, Captiva Dr, Old Lodge Ln, Shearwater Dr, Olde Middle Gulf Dr, Sawgrass Pl | $475,000 | $390,000 | $400,000-$500,000 | $366,000 | $330,000 | $300,000-$350,000 |
| Spoonbill Ct, Chapin Ln, Spanish Gold Ln, Panama Shell Dr, Wild Lime Dr, Sabal St, Ruelle, Las Tiendes Ln, Anchor Dr, Shell Basket Ln | $314,500 | $290,000 | $250,000-$300,000 | $455,000 | $430,000 | $350,000-$400,000 |
| Brainard Bayou Rd, Camino del Mar Dr, Gulf Dr, Agate Ct, Greenwood Ct S, S Seas Plantation Rd, Eagle Run Dr, Sunset Captiva Ln SW, Coquina Dr, Daniel Dr | $503,500 | $450,000 | $400,000-$500,000 | $739,000 | $620,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$160 | $779 |
| Superior Protection Discount | -$84 | $854 |
| Fire & Security Discount | -$94 | $844 |
| Hail Resistant Roof Discount | -$19 | $919 |
| Newly Constructed Home Discount | -$235 | $704 |
| 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 | $1,000 | $1,495 | $2,495 | $1,086 | $2,086 | $408 |
| Sanibel, FL | $700 | $927 | $1,627 | $674 | $1,374 | $253 |
| McGregor, FL | $2,000 | $924 | $2,924 | $672 | $2,672 | $253 |
| Cape Coral, FL | $200 | $1,499 | $1,699 | $1,089 | $1,289 | $410 |
| Villas, FL | $1,000 | $948 | $1,948 | $689 | $1,689 | $259 |
| Palmona Park, FL | $200 | $655 | $855 | $476 | $676 | $179 |
| Gateway, FL | $1,000 | $1,173 | $2,173 | $852 | $1,852 | $321 |
| Fort Myers Shores, FL | $300 | $961 | $1,261 | $698 | $998 | $263 |
| Manasota Key, FL | $2,000 | $2,314 | $4,314 | $1,682 | $3,682 | $632 |
| Immokalee, FL | $200 | $1,479 | $1,679 | $1,075 | $1,275 | $404 |
| Home Insurance Company Sanibel, FL | Homeowners Insurance Agency Sanibel, FL | Address | Popularity Score | Distance from Sanibel (miles) |
|---|---|---|---|---|
| State Farm | Tim Collier | 1315 Se 47th St, Cape Coral, FL, 33904-7604 | 12.5 | |
| Travelers | Regency Insurance Group | 5248 Red Cedar Drive Ste 103, Fort Myers, FL, 33907 | 16.7 | |
| Allstate | Capt. David Schuman | 1329 Hibiscus Dr, Cape Coral, FL, 33909 | 18.7 | |
| State Farm | Mark Ackerman | 7320 Sanibel Blvd, Fort Myers, FL, 33967-3337 | 17.2 | |
| Allstate | Tracey Coppin | 9671 Gladiolus Dr Ste 105, Fort Myers, FL, 33908 | 12.7 | |
| Travelers | Campbell Insurance | 12800 University Dr Ste 200, Fort Myers, FL, 33907 | 15.5 | |
| Travelers | Cape Insurance Agency Inc | 3624 Del Prado Blvd S Ste B, Cape Coral, FL, 33904 | 13.7 | |
| Allstate | Steven V. Woodard | 234 Del Prado Blvd N Ste 2, Cape Coral, FL, 33909 | 17.5 | |
| Travelers | Insurancenter Of Ft Myers | 16591 S Tamiami Trl, Fort Myers, FL, 33908 | 15.9 | |
| Liberty Mutual Independent | Brown & Brown Of Florida Inc | 3820 Colonial Blvd Ste 200, Fort Myers, FL, 33966 | 19.7 |
| 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 |
| Sanibel, FL | $705,900 | $938 | $730 | $1,260 | $530 |
| McGregor, FL | $311,500 | $936 | $730 | $1,250 | $520 |
| Cape Coral, FL | $191,000 | $1,517 | $1,180 | $2,030 | $850 |
| Villas, FL | $140,300 | $959 | $750 | $1,290 | $540 |
| Palmona Park, FL | $39,400 | $663 | $520 | $890 | $370 |
| Gateway, FL | $289,800 | $1,187 | $930 | $1,590 | $660 |
| Fort Myers Shores, FL | $193,900 | $972 | $760 | $1,300 | $540 |
| Manasota Key, FL | $294,600 | $2,342 | $1,830 | $3,140 | $1,310 |
| Immokalee, FL | $274,300 | $1,497 | $1,170 | $2,010 | $840 |