Cape Coral Home Insurance

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Written by Trusted Choice

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Surrounded by some of the most serene beaches on the Gulf Coast, Cape Coral, FL is a hot spot for tourists throughout the year. If you're lucky enough to live in Cape Coral year-round, you have 24/7 access to the glimmering Gulf of Mexico, some of Florida's best seafood, and endless opportunities for boating and fishing. Whether you are a first-time homebuyer in Cape Coral or you're an experienced Florida homeowner, you need the protection of a reliable home insurance policy. Our Independent Insurance Agents are familiar with the unique risks you face as a coastal homeowner, and they can provide you one-on-one assistance in selecting the best Cape Coral home insurance policy to protect your property from serious risks. 

  • National yearly premium average: $1,211
  • Florida yearly premium average: $1,951
  • 2nd most expensive premium in the U.S.

Florida trends on the higher end of state averages for home insurance premiums. Your personal premium will depend on several factors like the age of your home, where it's located, and specific risk factors like close proximity to Cape Coral's canals. Our agents can help you find the most affordable plan by offering quotes on multiple policies so you can select the option that is right for you.

Number of Thefts in Florida

  • National number of burglaries per 1,000 people: 3.76
  • Florida number of burglaries: 3.38

One of the great advantages of living in Cape Coral is the low crime rate. However, no one is completely immune to potential burglaries. If you become a victim of a home invasion, you will be thankful to have a comprehensive Cape Coral homeowners insurance policy to help you cover the cost of replacing stolen items and repairing any damage to your property. 


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Our independent agents shop around to find you the best coverage.

Number of Disasters in Florida

  • Number of disasters in Florida since 1953: 138
  • Number of tornadoes in Florida: 66
  • Amount of property damage in Florida: $210,240,000
  • 1 in 15 insured homes has a claim each year

While Cape Coral is generally a safe place to live and work, it can still be subjected to natural disasters. By living on the Florida coastline, you will be naturally more prone to experiencing tropical storms, heavy rainfall, and even potential hurricanes. Make sure you have a comprehensive Cape Coral home insurance policy in place ahead of time to protect yourself against these natural disasters that could put your home at risk. 

What Are the Risks in Cape Coral?

Cape Coral homeowners live in a high-risk zone for hurricanes and tropical storms. This means your house could be battered by high winds, heavy rains, and major lightning strikes. Even one small hurricane could have devastating consequences if a tree crashes through your roof or local flooding puts your living room underwater. Home insurance offers peace of mind that even if a hurricane hits in your neighborhood, you will be financially prepared for the cost of repairs. 

Compare Cape Coral Home Insurance Quotes

When you seek out quotes on Cape Coral home insurance, don't be surprised if premiums vary widely from one policy to the next. Remember that the cheapest policy doesn't always offer the best coverage benefits. Contact our friendly Independent Insurance Agents for help with weighing the pros and cons of each policy so you can find the best coverage benefits to protect your home against disaster. 

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