Homeowners Insurance in North Port, Florida

Nestled just north of Fort Myers, south of Sarasota and in the midst of some of Florida’s most pristine wilderness, it’s not hard to figure out why North Port is quickly becoming one of Florida’s most popular cities.

While the population has grown considerably in recent years to include nearly 60,000 citizens, the city holds unique distinctions for homeowners few other cities in the state can boast. With the housing market yet to blow the roof off of the values, let’s see how much these Floridians can expect from their homeowners insurance premiums and how they’ll be covered. 

On average, home insurance in North Port is about $1,706 annually, or about 42% below Florida’s state average of about $2,924 annually. 

When you consider Florida is one of the most expensive states for homeowners insurance, due largely in part to the number of hurricane hits, $1,706 annually for home insurance doesn’t sound like such a bad deal.

But the news gets better. Depending on which home insurance company you choose, as well as a few other factors, you could get a policy for much less. Keep reading to figure out how you may be able to get the most affordable policy possible.

Those numbers can shrink even more if your home falls into the right categories. Insurers in Florida may categorize homes based on their ages and wind mitigation features. 

The first category is homes that were built from 2001 to the present day. Houses in this category were built stronger to withstand high-force hurricane and tropical storm winds, causing less damage that results in fewer home insurance claims. The fewer claims, the cheaper insurance premiums are for everyone in the state.

Residents in this Florida city are no strangers to hurricanes and the damage they leave in their wake. As of 2024, homeowners in North Port are reportedly still waiting to settle claims they filed back in 2022, after Hurricane Ian. 

The second category applies to houses built before 2001. If your home was built before 2001, you may not experience the same quality of build that withstands heavy winds, but there are a few upgrades you can make to combat wind damage from hurricanes.

The cheaper option is to install impact-resistant windows and doors, which will help you save some money. But the more expensive option, which results in much more savings, is to install a hip roof on your home. Hip roofs help direct the wind away from your home, which results in less damage.

After making those upgrades to a pre-2001 home, you’ll need to get a wind mitigation inspection done and prove to your insurer that you’ve made the necessary upgrades. After you’ve done so, you can experience rates as low — or lower — than the average rate in the city.

While your premiums may be based on your claims history, coverage amounts and your home’s location and crime in the area, your policy will come with the same coverage no matter which company you choose.

From weather-related perils like hurricanes, tornadoes and torrential rains to unexpected disasters like house fires, burglaries and even dog bites, homeowners insurance in North Port, Florida covers those and a multitude of other perils.

Coverage A helps cover elements of your home, such as the foundation, roof, walls, doors, and windows. Essentially, it protects the structure of your home, hence its other name, dwelling coverage.

Coverage B may protect components of your property that aren’t attached to your main home, like your shed, fence, garage, carport, or even your pool. In short, it protects the structures on your property that aren’t your main home. Thus, its other name is other structures coverage.

Coverage C may cover damage to the personal belongings you store on your property. It can cover items like your grill, antique armchair, computer, and more. Its other name is personal property coverage. 

Coverage D can help you cover unforeseen living expenses like temporary housing or groceries if your home is rendered uninhabitable due to damage from a covered peril. Its other name, loss of use coverage, is pretty self-explanatory for its usage.

Coverage E may help you cover expenses if you’re considered liable for damage to someone else’s property or a guest’s injuries on your property. It can help you cover medical expenses or legal fees. It’s also called personal liability coverage.

Coverage F may be used to cover a guest’s medical expenses after a minor injury on your property, like a broken wrist or a cut that required stitches. It’s also referred to as medical payments coverage. 

North Port is only a few feet above sea level and it’s surrounded by water. That means flooding is a major concern for the city’s residents. Unfortunately, flood damage isn’t covered by homeowners insurance. To get adequate coverage, you’ll need to purchase a separate flood insurance policy, which we can help you with as well!

With our easy to use flood insurance form, getting a quote for flood insurance is easier than ever. Just fill out a few details about your home and one of our licensed in-house agents will get back to you the perfect policy from either one of our private flood insurance partners or a policy from FEMA’s National Flood Insurance Program.

It’s important to note that the FEMA flood maps were updated in early 2024 for North Port residents. 

All you need to do to get the best insurance company on your side is get a quote with Clovered. Simply answer a few questions about your home in our online quoting tool and we’ll customize a policy that meets your needs — and your budget.

If you’d just like to chat with a real person, you can also contact one of our many licensed agents from 8:30 a.m. to 6 p.m. Monday through Friday at 833-255-4117 or email them anytime at agent@clovered.com.