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2024

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Best Homeowners Insurance Agencies in Cape Coral, FL

Our Recommended Top 13

We did the research for you!

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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.

101Reviewed

65Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1716 Cape Coral Parkway East, Cape Coral, FL 33904
WebsiteLicense: L071023

Expertise.com Rating

Review Sources

Google
4.5 (26)
Facebook
5.0 (22)
Yelp
5.0 (4)

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.

  • Multiple Policy Types

1031 Cape Coral Pkwy, Cape Coral, FL 33904
WebsiteLicense: L090331

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Review Sources

Facebook
5.0 (58)
Google
3.0 (2)

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.

  • Multiple Policy Types
  • Homeowners

923 Del Prado Blvd South, Suite 203, Cape Coral, FL 33990
WebsiteLicense: D076167

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Review Sources

Google
4.8 (25)
Facebook
5.0 (22)

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.

  • Multiple Policy Types

3316 Chiquita Blvd, Cape Coral, FL 33914
WebsiteLicense: R002900

Expertise.com Rating

Review Sources

Google
4.8 (87)

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.

  • Homeowners
  • Auto Insurance

1091 NE Pine Island Rd. Suite A, Cape Coral, FL 33909
WebsiteLicense: L079900

Expertise.com Rating

Review Sources

Facebook
4.5 (140)
Google
2.0 (12)

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.

  • Homeowners
  • Home and Auto Insurance

4040 Del Prado Blvd S, Cape Coral, FL 33904
WebsiteLicense: L035127

Expertise.com Rating

Review Sources

Facebook
5.0 (42)
Google
4.8 (19)

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.

  • Homeowners

1408 SE 17th Avenue, Suite D, Cape Coral, FL 33990
WebsiteLicense: L101032

Expertise.com Rating

Review Sources

Facebook
4.8 (23)
Google
5.0 (15)
Yelp
5.0 (1)

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.

  • Renter's Insurance

909 Pondella Road North, Fort Myers, FL 33903
WebsiteLicense: L067559

Expertise.com Rating

Review Sources

Google
4.6 (79)
Facebook
5.0 (25)

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.

2132 McGregor Blvd., Fort Myers, FL 33901
WebsiteLicense: L054171

Expertise.com Rating

Review Sources

Google
4.9 (217)
Facebook
4.9 (65)

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.

  • Homeowners
  • Home Insurance

4507 SE 16th Pl, Cape Coral, FL 33904
WebsiteLicense: L076628

Expertise.com Rating

Review Sources

Facebook
4.8 (104)
Google
4.9 (85)
Yelp
1.8 (5)

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.

  • Multiple Policy Types
  • Personal Property Insurance
  • Business Insurance

601 Del Prado Blvd N #11, Cape Coral, FL 33909
WebsiteLicense: L017260

Expertise.com Rating

Review Sources

Google
4.9 (57)

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.

  • Homeowners

885 SE 47th Terrace, Cape Coral, FL 33904
WebsiteLicense: L108729

Expertise.com Rating

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.

  • Homeowners
  • Home and Auto Insurance

4414-4 S Del Prado Blvd, Cape Coral, FL 33904
WebsiteLicense: L078756

Expertise.com Rating

Review Sources

Facebook
4.4 (19)
Google
5.0 (10)

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.

  • Renter's Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
FLB Insurance Agency
1716 Cape Coral Parkway East, Cape Coral, FL 33904
Herndon Carr & Co.
1031 Cape Coral Pkwy, Cape Coral, FL 33904
D. Gates Insurance Group
923 Del Prado Blvd South, Suite 203, Cape Coral, FL 33990
Delaplane Insurance
3316 Chiquita Blvd, Cape Coral, FL 33914
Flagler Insurance
1091 NE Pine Island Rd. Suite A, Cape Coral, FL 33909
Best One Insurance
4040 Del Prado Blvd S, Cape Coral, FL 33904
Galezano Insurance
1408 SE 17th Avenue, Suite D, Cape Coral, FL 33990
Bassine Insurance Agency, LLC
909 Pondella Road North, Fort Myers, FL 33903
The Thompson Agency
2132 McGregor Blvd., Fort Myers, FL 33901
Chapman Insurance Group
4507 SE 16th Pl, Cape Coral, FL 33904
Halbrehder Family Agency
601 Del Prado Blvd N #11, Cape Coral, FL 33909
Your Choice Insurance
885 SE 47th Terrace, Cape Coral, FL 33904
Gulf Harbor Insurance
4414-4 S Del Prado Blvd, Cape Coral, FL 33904

FAQs

  • 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.

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