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Homeowners Insurance in Bonita Springs: Costs & More

By John Miceli

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Bonita Springs is a medium-sized town south of Fort Myers that offers the recreational activities and sunny, natural beauty of most Southwest Florida towns. The ample fishing and golfing opportunities combined with a sizable retired community give Bonita Springs a relaxed vibe.

It’s just a short drive to the beautiful beaches, and there are a few state parks nearby. Residents of the city likely value the outdoors. But, how much do they pay for sun-soaked living?

Homeowners insurance in Florida is the most expensive in the country, largely due to the chances of severe, destructive weather the likes of which aren’t common in other states.

Average Cost of Homeowners Insurance in Bonita Springs

The average cost of homeowners insurance in Bonita Springs is $2,424 per year for a $150,000 house. This is slightly more than the nearby “big” cities of Tampa and St. Petersburg. 

The cost of homeowners insurance in Bonita Springs is also just over the state average, which is $2,043 per year for a $150,000 house.

Unfortunately, Bonita Springs lies in one of the most hurricane-prone parts of Florida, which doesn’t translate well for home insurance premiums. The threat of serious storms and floods negatively affects rates. Let’s take a look at what homeowners insurance in Bonita Springs costs on average.

Average Homeowners Insurance Cost in Bonita Springs for a $150,000 House


ASI$2,497
Citizens$1,715
FedNat$2,367
Florida Penn$2,278
Liberty Mutual$2,288
People’s Trust$3,041
State Farm$2,670
UPCIC$2,538
Average$2,424

The averages are useful, but they don’t tell the full story since you can’t see the effects of some important factors that influence premium rates. One significant consideration in Bonita Springs homeowners insurance is wind mitigation. Let’s go into further detail on what this is, and how it makes a difference in rates.

☘ $150,000 Value – Pre-2001 Construction w/ Wind Mitigation: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for maximum wind mitigation features.

☘ $150,000 Value – Pre-2001 Construction w/ No Wind Mitigation: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for no wind mitigation features.

☘ $150,000 Value – 2001-Present Construction: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, no claims in the past three years, and minimum premium discounts for limited wind mitigation features and no hip roof.

*Wind Mitigation: A wind mitigation is any protection on your home that helps decrease the damage caused by strong winds like a hurricane. This can include certain roof attachments and coverings, extra water-resistant seals and impact-resistant doors and windows. Wind mitigations typically result in deep discounts on your home insurance premiums, so you’ll want to get one.

Homeowners
Insurance
Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

$150,000 Value Pre-2001 Construction
W/ Wind Mitigation

$2,082
$997
$1,539
$1,995
$1,819
$1,728
$2,256
$1,826
$1,780

$150,000 Value Pre-2001 Construction
No Wind Mitigation

$3,781
$2,969
$3,754
$3,167
$3,117
$5,340
$3,761
$4,001
$3,736

$150,000 Value 2001-Present Construction

$1,628
$1,179
$1,807
$1,673
$1,929
$2,054
$1,992
$1,786
$1,756

*Insurers are required to send in their average annual homeowners insurance premiums once per year to the Florida Office of Insurance Regulation, so the rates shown above are the average rates you can expect in Bonita Springs.

It’s Time to Switch Your Homeowners Insurance

We partner with Bonita Springs’ top homeowners insurance companies so you can get a custom policy at an affordable price.

As you can see, wind mitigation can be a game-changer when it comes to how much you pay for homeowners insurance in Bonita Springs. The average difference in premiums for older homes with and without wind mitigation was $3,296. This amounts to a 59% savings!

Some companies offer exceptionally impressive discounts. Universal Property & Casualty had a 67% difference in cost between houses with and without wind mitigation, which amounted to $3,547 in savings on average.

People’s Trust had the largest dollar amount difference in premiums. Bonita Springs homeowners insurance rates for homes with wind mitigation were an average of $6,265 cheaper than for houses without wind mitigation. 

If you use Clovered to purchase a policy, you can choose the amount of homeowners insurance coverage you want. A common option is $300,000, which is close to the median home price in Bonita Springs.

While the market value of your home isn’t the same as the replacement cost utilized in home insurance, odds are the bigger and more expensive your home is, the more coverage you’ll need.

With this in mind, let’s take a look at what $300,000 worth of homeowners insurance in Bonita Springs costs.

Average Homeowners Insurance Cost in Bonita Springs for a $300,000 House


ASI$4,994
Citizens$3,430
FedNat$4,733
Florida Penn$4,556
Liberty Mutual$4,577
People’s Trust$6,081
State Farm$5,339
UPCIC$5,075
Average$4,848

Homeowners
Insurance
Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

$300,000 Value Pre-2001 Construction
W/ Wind Mitigation

$4,164
$1,994
$3,078
$3,990
$3,638
$3,456
$4,512
$3,652
$3,561

$300,000 Value Pre-2001 Construction
No Wind Mitigation

$7,562
$5,938
$7,508
$6,334
$6,234
$10,680
$7,522
$8,002
$7,473

$300,000 Value 2001-Present Construction

$3,255
$2.357
$3,613
$3,345
$3,858
$4,108
$3,984
$3,571
$3,511

Bonita Springs Homeowners Insurance Coverages

We’ve been discussing average costs, but what exactly are you receiving for your money when you pay for home insurance? If you acquire a policy through Clovered, a standard plan includes the following protections, which extend beyond just your house.

Dwelling: Covers your home’s structure and the things that help create it, including the fireplace, windows, doors and flooring.

Other Structures: Covers structures on your property not attached to your house, such as a fence, detached garage, carport or shed.

Personal Property: Covers the personal belongings you keep inside or on your property, such as a TV, electronics, lawnmower and clothes.

Loss of Use: Reimburses you for additional living expenses if you’re forced to move from your home while it’s being rebuilt or repaired.

Liability: Helps to pay for injuries or other property damages that the policyholder is found liable for, such as a broken bone and legal fees.

Medical Payments: Utilized to pay for small medical bills if someone was injured on your property, whether you’re at fault or not.

For most people, their house is the most important and valuable investment they’ll make. Part of being a good homeowner is doing what you can to protect it from disasters out of your control. With Clovered, a standard Bonita Springs homeowners insurance policy covers you from over a dozen perils.

More Insurance Factors to Consider in Bonita Springs

Insurance companies base their rates on the amount of risk they’re taking on when writing a policy. Florida brings plenty of weather-related hazards that influence Bonita Springs homeowners insurance costs, but what else do companies look at?

Although the specifics are different for every insurer, some common factors include:


The age and size of your home always play a role in how much your coverage costs. If you’ve got a bigger home, you’ll likely need more insurance since the replacement cost will be higher.

The age and material of your roof are also important. Older roofs present a greater risk because the wear and tear over the years has made it weaker and more likely to have drainage, ventilation, or integrity issues.

Also, some roofing materials have a longer life expectancy than others, and insurance companies take this into account. For example, metal roofs usually last longer than asphalt shingles.

Flood Insurance in Bonita Springs, Florida

Southwest Florida experiences heavy rainfall every year, and Bonita Springs has a tendency to flood mainly due to the Imperial River that runs through the city that can overflow. Hurricanes and tropical storms can also bring tremendous amounts of rain and a damaging storm surge to coastal areas. Recent storms like Hurricanes Irma and Sally caused notable flooding in Bonita Springs.

Homeowners insurance doesn’t cover damage from flooding. To protect your home and belongings from destruction by heavy rains or storm surge, you’d need a separate flood policy. You can purchase flood insurance in Bonita Springs, Florida from a private insurer or through the National Flood Insurance Program.

Much of the land around the Imperial River and all properties along Bonita Beach are in federally labeled flood zones marked AE or VE. Lee County requires buildings in these Special Flood Hazard areas to purchase flood insurance.

With Clovered, you can receive a flood insurance quote in minutes. Just fill out a form with some information about yourself and your home, and you’ll hear back from a licensed agent.

Stay Above Water With Flood Insurance

Do you want to pay for costly and common flood damage yourself or have an insurance policy pick up the tab?

Hurricane Damage in Bonita Springs, Florida

Unfortunately, Bonita Springs lies in one of the most hurricane-prone parts of the state. Hurricane Wilma struck the area in 2005 and Irma, as mentioned previously, caused serious damage in 2017. Residents of the town must be vigilant every storm season.

Home insurance offers a small peace of mind, though, as it does cover hurricane damage in Bonita Springs. A standard homeowners insurance policy includes windstorms as a named peril covered by the plan.

How to Save on Home Insurance and Flood Insurance in Bonita Springs, Florida

Clovered was established with the consumer in mind. We offer an archive of insurance-related information and an online quote engine to give you all the information you need to be able to purchase protection from your computer or phone. Clovered is the best way to buy and compare insurance online.

If you have questions or would prefer to speak to a licensed agent, call 833-255-4117 Monday through Friday from 8:30 a.m. to 6 p.m. or email us anytime at agent@clovered.com.

It’s Time to Switch Your Homeowners Insurance

We partner with Bonita Springs’ top homeowners insurance companies so you can get a custom policy at an affordable price.