33908 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 33908 zip code it's important to know that our rates are very competitive for homeowners living in Fort Myers, FL. Many homeowners based out of your 33908 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 33908 should appear in the zip code field ready to go. For Fort Myers, FL Homeowners Insurance Quotes nearby, we offer the best rates and service.

33908: Average Home Insurance Rates

For homeowners living in the great city of Fort Myers, the average homeowners policy is considered very high in comparison to other states. Florida premiums are estimated to be around $1564 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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Average Building Cost Per Square Foot in 33908: $167

Average Square Footage in 33908: 1,604 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33908 before you start any project. Fort Myers homeowners pay on average around $167 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 33908 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 33908 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,604 sq. ft. and the average cost to rebuild the home in this area is around $167 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Fort Myers area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

It's important to understand that when you estimate your replacement cost of your home in the 33908 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Coppin Dave Insurance

A Aaabacus Mr Auto Insurance

Allstate Insurance-Mike Joyner

Allstate Insurance-Kathy M. Orr- CIC- LUTCF

Allstate Insurance Company - Julie Keating

Allstate Insurance Company - Kathy Orr

Household Data for 33908

The average number of homes in 33908 is around 21,234, there are an average of 1.96 per household. The average house value according to local real estate values is around $267,900. Please review the following demographics below for average income and media age.

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• 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

  The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

• Fall 2023: Florida Homeowners Insurance Premium Update Posted on Tuesday 24th October, 2023

  Despite the fact that the Florida legislation finally passed a couple of bills to deal with the ever-increasing cost of homeowners insurance, it seems unlikely that premiums will start to fall anytime soon according to a report put out by Karen Clark & Company (KCC), a risk modelling firm. The recent report, titled “Managing Expectations: […]