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Find the Best Homeowners Insurance in Fort Myers, FL

Homeowners insurance covers loss or damage at your property due to events including fire, windstorms, lightning, theft and vandalism. It also protects homeowners financially if they are responsible for an accidental injury or death. Although home insurance is not mandated in Florida, many mortgage lenders require it — and it makes sense to purchase it to protect your most valuable asset. To help you find the right policy, we researched the best homeowners insurance in Fort Myers.

Compare Fort Myers Homeowners Insurance

Overall satisfaction rating
  • Covers personal property, liability and dwellings
  • Offers loyalty discounts
  • Claim Rateguard option ensures rates won’t increase
  • Available in Fort Myers and nationwide
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  • Quotes from local agents and top insurers
  • Compare the lowest rates
  • Fast and free for homeowners
  • Available in Fort Myers
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Overall satisfaction rating
  • Covers other structures on your property
  • Alarm system discounts
  • HomeQuote explorer
  • Available in Fort Myers
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State Farm
Overall satisfaction rating
  • Home inventory tools
  • Weather coverage
  • Roofing discounts
  • Available in Fort Myers

Offers policies with custom coverages and deductibles through national local agent networks. Discounts for bundled policies, home security and impact-resistant roofs. Online quotes, claims and policy management.

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  • Free online quotes
  • Liability coverage
  • Military discount
  • Available in Fort Myers
Serves residents in
Fort Myers, FL
(800) 241-8098
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Tim Shaw Insurance
  • Independent agency with top carriers
  • Over two decades of experience
  • Based in Fort Myers
  • Affordable policies
4091 Colonial Blvd., Ste. 100
Fort Myers, FL 33966
(239) 939-1010
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Regency Insurance Group
  • Multiple policy options
  • No-pressure quotes
  • Exceptional customer service
  • BBB A+ rating
5248 Red Cedar Dr., Ste. 103
Fort Myers, FL 33907
(877) 427-5243
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AWA Insurance
  • M-F: 7:30am - 4:30pm
  • Closed Sat and Sun
  • awainsurance.com
13700 6 Mile Cypress Pkwy., Ste. 1
Fort Myers, FL 33912
(239) 418-1100
Edison Insurance Group
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • edisonins.com
3835 Palm Beach Blvd.
Fort Myers, FL 33916
(239) 693-0400
Wilcox Family Insurance
  • M-F: 9am - 6pm
  • Sat: 11am - 3pm
  • Closed Sun
  • wilcoxfamilyinsurance.com
3707 Cleveland Ave.
Fort Myers, FL 33901
(239) 337-7755
The Thompson Agency
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • thompsoninsurancefl.com
2132 McGregor Blvd.
Fort Myers, FL 33901
(239) 689-8570
Lott & Gaylor Insurance
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • lott-gaylor.com
2120 W. First St.
Fort Myers, FL 33901
(239) 337-2221
Tom Mere Insurance Agency
  • M-F: 8:30am - 4:30pm
  • Closed Sat and Sun
  • tommereinsurance.com
1555 N. Tamiami Trail
North Fort Myers, FL 33903
(239) 995-1333

How to choose homeowners insurance in Fort Myers

Fort Myers Skyline

A standard homeowners insurance policy in Fort Myers is divided into several different types of coverages. Policyholders have the option to purchase coverages in different amounts, which determines the maximum the provider will pay out if you file a claim.

Type of coverage What it covers How much to get
Dwelling Physical structure of the home, like the walls and roof Amount it takes to rebuild the home
Other structures Physical structure of buildings on the property separate from a home, like a detached garage Insurance company calculates as a percentage of dwelling coverage
Personal property Belongings inside the home, such as furniture or TVs Amount it takes to replace belongings; Insurance company calculates as a percentage of dwelling coverage
Liability Claims of injury or property damage for which you, a family member or pet is at fault Sufficient amount to cover personal assets in case of a lawsuit
Additional living expense Temporary living arrangements if a home is uninhabitable due to a covered loss Insurance company calculates as a percentage of other coverage
Medical payments to others Medical expenses for guests injured at the home Usually limited to a low number, like $1,000 or $5,000

How much does homeowners insurance cost in Fort Myers?

Florida has the highest homeowners insurance costs in the U.S. In Lee County, the average homeowner pays over $3,000 per year.

Providers calculate homeowners insurance premiums based on a number of factors, such as your claims history, the age and location of your home, the property’s building materials and fire protection in the area.

Average home insurance rates in Fort Myers

Fort Myers area Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
Cypress Lake (33919) $3,758 $7,254 $10,690
Pine Manor (33907) $3,575 $6,902 $10,176
Brookshire Lakes (33966) $4,031 $7,867 $11,634
Fort Myers Estates (33916) $3,551 $6,847 $10,090
Lehigh Acres (33971) $3,546 $6,836 $10,073
Buckingham (33905) $3,561 $6,867 $10,120

Note: Based on dwelling coverage above with a constant $1,000 deductible and $100,000 liability.

When looking at different homeowners insurance policies in Fort Myers, it is important to understand what perils your home and personal property are protected against. Usually, the policy will either name all perils that are covered, or, most commonly, it will name only the exclusions.

Here are other some other considerations before you purchase homeowners insurance in Fort Myers:

  • Don’t wait until hurricane season to get coverage; it is not possible to purchase new or additional coverage when a hurricane or tropical storm watch has been issued for any area in the state.
  • In Fort Myers, windstorm coverage may be excluded from a standard homeowners insurance policy; you can purchase this coverage separately.
  • Most policies exclude flood damage; Fort Myers residents should ask insurers about the National Flood Insurance Program.
  • Insurers are required to cover “catastrophic ground cover collapse,” but don’t need to include sinkhole coverage; ask the insurer for more information.

Before you sign up for homeowners insurance, be sure you are taking advantage of all available discounts. Most insurers offer savings for bundling homeowners insurance with other policies, having a security system, using certain roofing materials, being a new homeowner or paying a yearly premium in advance.

Homeowners Insurance Reviews


Allstate provides homeowners insurance policies throughout the country. Coverage includes your dwelling, liability, guests’ medical expenses and personal property. After filling out a quote request online, Allstate connects you with a local agent.

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Progressive is one of the largest insurers in the U.S. Customers can see rates and coverages using the online HomeQuote Explorer tool, which shows side-by-side comparisons from multiple companies. Discounts are available for bundling homeowners and auto coverage, having an alarm system, planning ahead for coverage and going paperless. Reviewers like Progressive’s rates, its customer service and the easy-to-understand policies.

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State Farm

Visitors to State Farm’s website will find a wealth of resources on homeowners insurance. The company makes it simple to get a personalized quote and understand coverage. Discounts are available for purchasing multiple policies, having home monitoring systems and using impact-resistant roofing products. Fort Myers customers are generally satisfied with their coverage from this nationally recognized insurer.

State Farm


GEICO makes getting homeowners insurance easy and affordable. Get a free quote online or call to speak with expert professionals. Discounts are available if you insure both your home and automobile with the company, if you have a home security system or if you have smoke alarms. Customers comment positively on the policy prices and the claims support.


Tim Shaw Insurance

Tim Shaw Insurance, headquartered in Fort Myers, is an independent insurance agency with over 20 years of experience. The company sells policies from every insurance carrier in Fort Myers, offering customers options at competitive prices. Quotes and advice from Tim Shaw Insurance are free. Local reviewers comment on the dedication and professionalism of the staff.

Tim Shaw Insurance

Regency Insurance Group

Regency Insurance Group, based in Fort Myers, works with top providers to give Fort Myers residents great coverage at affordable prices. Customers can expect to work with industry experts to come up with a personalized solution for homeowners insurance. Reviewers praise the helpful customer service during the claims process and the company’s commitment to client satisfaction.

Regency Insurance Group