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Best Homeowners Insurance Agencies in Cape Coral

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Bassine Insurance Agency, LLC logo
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License Verified:

License: L067559

Florida Division of Insurance Agent and Agency Services

Bassine Insurance Agency, LLC

909 Pondella Road North, Fort Myers, FL 33903
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Business Description

Bassine Insurance Agency, LLC, is an independent business serving customers in Cape Coral. It offers a wide selection of products, including homeowners', auto, life, watercraft, and commercial insurance. Its homeowners' insurance policy covers primary and secondary homes, seasonal residences, rental properties, and condos. This policy provides coverage for replacement cost, loss of use, dwelling extension, and personal liability. The company represents various carriers, including Foremost, Safeco, Travelers, Universal, and People's Trust Insurance. It is also a member of the State Insurance Group.

License Verified:

License: L067559

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (43)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Best One Insurance logo
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License Verified:

License: L035127

Florida Division of Insurance Agent and Agency Services

Best One Insurance

4040 Del Prado Blvd S, Cape Coral, FL 33904
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  • Homeowners

Business Description

Best One Insurance is a full-service agency that has been serving Cape Coral and the surrounding communities since 2000. It offers a wide range of homeowners' insurance coverage options including dwelling, personal property, loss of use, liability, and medical payments. A variety of policy types is available for renters, builders, condos, and household pets. The agency's president, Luis Ortega, utilizes his extensive management experience in maintaining open communication with clients. He serves as the Broward Chapter president of the Latin American Association of Insurance Agencies.

License Verified:

License: L035127

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (24)
Google
4.8 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Chapman Insurance Group logo
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License Verified:

License: L076628

Florida Division of Insurance Agent and Agency Services

Chapman Insurance Group

4507 SE 16th Pl, Cape Coral, FL 33904
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  • Multiple Policy Types
  • Personal Property Insurance
  • Business Insurance
  • Home and Auto Insurance

Business Description

Chapman Insurance Group is an agency serving Cape Coral. It provides a range of products tailored to its clients’ needs and budgets, such as automobile, commercial, flood, property, and watercraft insurance. One of its core products is homeowners' insurance. Its agents assist clients in obtaining the right coverage to keep their residences and personal assets inside the home financially protected from damages and losses. The policy covers the costs of replacement or repair of the home’s structure.

License Verified:

License: L076628

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (62)
Facebook
4.9 / 5 (57)
Yelp
1.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Helpfulness
Detail
D. Gates Insurance Group logo
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License Verified:

License: D076167

Florida Division of Insurance Agent and Agency Services

D. Gates Insurance Group

923 Del Prado Blvd South, Suite 203, Cape Coral, FL 33990
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  • Multiple Policy Types

Business Description

The D. Gates Insurance Group offers homeowners' insurance to clients around Cape Coral. Its products reimburse clients for any property lost to fires, earthquakes, theft, and vandalism. They also cover any injuries sustained by individuals on the premises. In addition, the company provides products for auto, life, and business insurance as well as services related to business and succession planning. It has a staff that has over 40 years of combined experience and has served over 10,000 clients.

License Verified:

License: D076167

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (24)
Facebook
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Delaplane Insurance logo
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License Verified:

License: R002900

Florida Division of Insurance Agent and Agency Services

Delaplane Insurance

3316 Chiquita Blvd, Cape Coral, FL 33914
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  • Homeowners
  • Auto Insurance

Business Description

Delaplane Insurance is a family-owned and family-operated agency serving Cape Coral and the surrounding communities. For 37 years, it has been helping individuals and families in protecting their homes and personal belongings through homeowners' insurance plans. The policy includes coverage for loss of use and personal liability for the instance of someone else being injured in the client's residence. Its team of independent agents partners with multiple insurance carriers to provide tailored insurance solutions, including TypTap, Florida Peninsula, and Citizens Property Insurance Corporation.

License Verified:

License: R002900

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (32)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Flagler Insurance logo
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License Verified:

License: L079900

Florida Division of Insurance Agent and Agency Services

Flagler Insurance

1091 NE Pine Island Rd. Suite A, Cape Coral, FL 33909
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  • Homeowners
  • Home and Auto Insurance

Business Description

Flagler Insurance is a locally owned and independent firm that serves individuals, families, and business owners in Cape Coral. For over 29 years, it has offered a wide range of insurance products such as homeowners', auto, life, and commercial. The firm's homeowners' insurance policies are designed to provide clients with reliable financial nets if unexpected damages and loss of possessions occur due to burglaries and natural disasters. These homeowners' insurance policies also cover liability lawsuits in case accidents happen in clients' properties.

License Verified:

License: L079900

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Facebook
4.4 / 5 (57)
Google
1.8 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
FLB Insurance Agency logo
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License Verified:

License: L071023

Florida Division of Insurance Agent and Agency Services

FLB Insurance Agency

1716 Cape Coral Parkway East, Cape Coral, FL 33904
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  • Multiple Policy Types

Business Description

For more than 10 years, the FLB Insurance Agency has been covering clients in the Cape Coral area. Homeowners can get insurance for their house or condominium for damage caused by fire, smoke, flood, and natural disasters. The policy also covers stolen personal items and injuries that occur inside the property. The firm has plans for vehicles like cars, motorcycles, and boats, along with business insurance to cover properties, general liability suits, and workers' compensation claims.

License Verified:

License: L071023

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (19)
Facebook
5.0 / 5 (12)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Galezano Insurance logo
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License Verified:

License: L101032

Florida Division of Insurance Agent and Agency Services

Galezano Insurance

1408 SE 17th Avenue, Suite D, Cape Coral, FL 33990
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  • Renter's Insurance

Business Description

Galezano Insurance is a full-service company that has been catering to residents in Cape Coral since 2018. The independent agency offers a range of insurance products, including insurance for homeowners. Its package homeowner policy covers damages to properties, personal liability, and legal responsibilities in case of injuries sustained by house guests or damage caused by household pets. Fire, theft, and vandalism can also be covered. The company's founder, Margaret Galewski, has been working in the industry for more than 20 years.

License Verified:

License: L101032

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)
Facebook
5.0 / 5 (12)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gulf Harbor Insurance logo
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License Verified:

License: L078756

Florida Division of Insurance Agent and Agency Services

Gulf Harbor Insurance

4414-4 S Del Prado Blvd, Cape Coral, FL 33904
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Gulf Harbor Insurance helps homeowners in Cape Coral find suitable protection for their homes and possessions. It lets individuals know what basic homeowners' insurance covers, and offers options they might want or need to add. Its agents guide clients in choosing policies and coverages types that suit their needs and preference. They provide information about additional coverages like replacement cost, jewelry, and liability, as well as flood and earthquake indemnities. A division of LRCI Inc., Gulf Harbor Insurance was founded in 2012.

License Verified:

License: L078756

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
4.3 / 5 (11)
Google
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Halbrehder Family Agency logo
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License Verified:

License: L017260

Florida Division of Insurance Agent and Agency Services

Halbrehder Family Agency

601 Del Prado Blvd N #11, Cape Coral, FL 33909
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  • Homeowners

Business Description

Halbrehder Family Agency is a family-owned and family-operated insurance brokerage located in Cape Coral. It offers personal insurance, such as homeowners’, landlords’, and auto insurance; and commercial insurance, which includes general liability and workers’ compensation. The company represents nearly all the homeowners’ insurance providers in Florida, while for auto insurance, it represents Travelers, Safeco, Mercury Insurance, Foremost, and Progressive. Co-founder Paulette Halbrehder established the company in 2004 with her son. She has over 25 years of experience in the industry.

License Verified:

License: L017260

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (58)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Herndon Carr & Co. logo
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License Verified:

License: L090331

Florida Division of Insurance Agent and Agency Services

Herndon Carr & Co.

1031 Cape Coral Pkwy, Cape Coral, FL 33904
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  • Multiple Policy Types
  • Homeowners

Business Description

Established in 1974, Herndon Carr & Co. is an independent insurance agency that offers its products and services to clients in Cape Coral. Its insurance products include home insurance, such as homeowners’ and condos, and auto, life, health, and business insurance. It also offers employee benefits services that combine health, dental, and life insurance. The company is affiliated with several insurance companies, including Hartford Mutual, Montgomery Insurance, Burns & Wilcox, and Gulfstream Property and Casualty Insurance Company.

License Verified:

License: L090331

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (31)
Google
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
McDaniel Insurance Solutions logo
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License Verified:

License: L107585

Florida Division of Insurance Agent and Agency Services

McDaniel Insurance Solutions

3443 Hancock Bridge Pkwy, North Fort Myers, FL 33903
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  • Renter's Insurance
  • Multiple Carriers

Business Description

McDaniel Insurance Solutions caters to residential and commercial clients in the Cape Coral area. Among its offerings are coverage plans for homeowners. The homeowners' insurance pays and replaces any personal belongings destroyed by covered losses. In addition, it provides liability coverage and defense for policyholders who are facing lawsuits brought against them by guests who were injured on their premises. McDaniel Insurance Solutions also offers its products and services to clients in Indiana and Ohio.

License Verified:

License: L107585

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (52)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Thompson Agency logo
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License Verified:

License: L054171

Florida Division of Insurance Agent and Agency Services

The Thompson Agency

2132 McGregor Blvd., Fort Myers, FL 33901
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  • Homeowners
  • Home Insurance

Business Description

The Thompson Agency is a family-owned and family-operated business serving Cape Coral. It helps individuals and families in protecting their personal assets through homeowners' insurance coverage options. Its team works with more than 15 insurance carriers to provide tailored policies depending on the needs and preferences of clients in insuring their dwelling, personal property, and liability. The carrier options include Federated National, Florida Peninsula, and Southern Fidelity. The agency also offers insurance coverage for vehicles, floods, and commercial needs.

License Verified:

License: L054171

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (204)
Facebook
4.9 / 5 (61)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Your Choice Insurance logo
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License Verified:

License: L108729

Florida Division of Insurance Agent and Agency Services

Your Choice Insurance

885 SE 47th Terrace, Cape Coral, FL 33904
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  • Homeowners
  • Home and Auto Insurance

Business Description

Your Choice Insurance is a family-owned and family-operated company located in Cape Coral. It offers a wide range of insurance coverages, including homeowners', auto, health, and life insurance, as well as business and workers' compensation insurance. Your Choice Insurance is affiliated with more than 100 insurance carriers to serve clients of various needs, 40 of which offer homeowners' insurance. Owners Daniel and Amber Jackson together have 10 years of combined experience in the insurance industry.

License Verified:

License: L108729

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (78)
Facebook
5.0 / 5 (52)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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