Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Cape Coral

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cape Coral Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

102

Reviewed

66

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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.
4.8
Google
4.5 / 5 (26)
Facebook
5.0 / 5 (22)
Yelp
5.0 / 5 (4)

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

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

Why choose this provider?

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 (67)

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

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

Why choose this provider?

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.
4.7
Facebook
4.8 / 5 (104)
Google
4.9 / 5 (85)
Yelp
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
4.4 / 5 (19)
Google
5.0 / 5 (10)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
4.9
Facebook
4.8 / 5 (23)
Google
5.0 / 5 (15)
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

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

Why choose this provider?

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.
4.3
Facebook
4.5 / 5 (140)
Google
2.0 / 5 (12)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
4.9
Google
4.8 / 5 (25)
Facebook
5.0 / 5 (22)

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

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

Why choose this provider?

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.
4.9
Facebook
5.0 / 5 (42)
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

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

Why choose this provider?

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 (57)

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

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

Why choose this provider?

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 (217)
Facebook
4.9 / 5 (65)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
909 Pondella Road North, Fort Myers, FL 33903

Why choose this provider?

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.
4.7
Google
4.6 / 5 (79)
Facebook
5.0 / 5 (25)

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

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

Why choose this provider?

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.
4.8
Google
4.8 / 5 (87)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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 (58)
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

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

Why choose this provider?

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

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

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 is the duration for obtaining homeowners' insurance in Cape Coral?

    The processing of a homeowners' insurance application in Cape Coral might require a few days with the insurance company. Additionally, the insurer may request a home inspection before approving coverage. Acquiring home insurance can be achieved through various means, such as utilizing online platforms, submitting applications via phone, or personally visiting an insurance agent.

  • In Cape Coral, are residents required to buy homeowners' insurance?

    No. There is no law requiring homeowners' insurance in Cape Coral. However, to have their loans approved, many mortgage lenders need proof of homeowners' insurance. It is also advisable to purchase home insurance even if it isn't mandatory for financial security in case of harm, loss, or destruction to their homes.

  • What aspects are taken into account when calculating the cost of homeowners' insurance in Cape Coral?

    The calculation of homeowners' insurance expenses in Cape Coral is influenced by multiple elements, which encompass:

    • The property's specific location.
    • The age of the residence.
    • The architectural composition of the dwelling.
    • The extent of coverage for the dwelling.
    • The fire protection category designated by the Insurance Services Office.
    • Credits for mitigation efforts. Following the establishment of the base rate, other rating criteria are utilized to compute specific surcharges and credits.
  • Is a visual inspection of property required in Cape Coral before granting homeowners' insurance?

    Yes. Before drafting a homeowners' policy, insurers may request a visual assessment of a house in Cape Coral. This inspection is carried out to confirm the accuracy of the information provided on the application regarding the property, including the construction and any potential safety issues. In addition, insurers may decline to offer coverage if they demand a 4-point or specialized inspection.

  • Does homeowners' insurance in Cape Coral take effect immediately upon purchase?

    The onset of homeowners' insurance in Cape Coral can vary from just five minutes to several days or weeks. Individuals with a history of no prior claims and homes categorized as having lower susceptibility to damage or loss should anticipate quicker approval than those possessing higher-risk properties. To prevent fraud, insurance companies commonly have restrictions on policyholders filing claims immediately upon the activation of their policy.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.