Bonita Springs Homeowners Insurance

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  • Bonita Springs Homeowners Insurance

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 its 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 $3,095 per year for a $150,000 house, $5,354 per year for a $300,000 home, and $7,117 per year for a $450,000 house. These rates are slightly above the state average and very similar to the nearby larger cities of Tampa and St. Petersburg

The average cost of home insurance overall in Florida is $2,553 for a $150,000 house, $4,386 for a $300,000 house, and $5,849 for a $450,000 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 from some well-known providers.

Average Cost of Homeowners Insurance in Bonita Springs for 2022

Company

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

$150,000 House

$2,673
$1,885
$3,700
$3,217
$2,372
$3,694
$2,834
$3,952
$3,095

$300,000 House

$4,690
$3,310
$6,493
$5,647
$4,165
$6,483
$4,975
$6,935
$5,354

$450,000 House

$6,500
$4,560
$8,984
$7,797
$5,721
$8,971
$6,857
$9,609
$7,117

It’s Time to Switch Your Homeowners Insurance

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

Florida Office of Insurance Regulation Premium Consideration Factors

The premiums displayed in this article were obtained by the Florida Office of Insurance Regulation. They represent the 2022 rate filings from the state’s largest insurers and can be utilized as an average of what Floridians can expect to pay for homeowners insurance each year.

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.

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.

2001-Present Construction

This risk is for a Florida masonry home with a current replacement value of $300,000, 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.

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. See how it makes a difference in rates on $150,000 homes.

$150,000 House in Bonita Springs for 2022

Company

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

Pre-2001 No Wind

$3,968
$2,827
$6,303
$4,351
$3,117
$6,119
$3,815
$6,596
$4,738

Pre-2001 w/ Wind

$2,154
$1,227
$2,031
$2,734
$1,819
$2,202
$2,304
$2,423
$2,261

2001-Present

$1,896
$1,602
$2,765
$2,566
$2,180
$2,762
$2,383
$2,838
$2,285

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 $2,477, which amounts to savings of 52%.

Some companies offer exceptionally impressive discounts. Universal Property & Casualty had a 63% difference in cost between houses with and without wind mitigation, which amounted to $4,173 in savings on average.

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 closer 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.

$300,000 House in Bonita Springs for 2022

Company

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

Pre-2001 No Wind

$6,944
$4,947
$11,030
$7,614
$5,455
$10,708
$6,676
$11,543
$8,189

Pre-2001 w/ Wind

$3,770
$2,147
$3,554
$4,785
$3,183
$3,854
$4,032
$4,240
$3,914

2001-Present

$3,356
$2,836
$4,893
$4,542
$3,858
$4,888
$4,218
$5,023
$3,960

$450,000 House in Bonita Springs for 2022

Company

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

Pre-2001 No Wind

$9,920
$7,068
$15,758
$10,878
$7,793
$15,298
$9,538
$16,490
$11,142

Pre-2001 w/ Wind

$5,385
$3,068
$5,078
$6,835
$4,548
$5,505
$5,760
$6,058
$5,502

2001-Present

$4,195
$3,545
$6,116
$5,678
$4,823
$6,110
$5,273
$6,279
$4,814

It’s Time to Switch Your Homeowners Insurance

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

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 Coverage

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

Other Structures Coverage

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

Personal Property Coverage

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

Loss of Use Coverage

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

Medical Payments Coverage

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 get 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 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.

Homeowners
It's Time to Switch Your Homeowners Insurance

We partner with the nation's top homeowners insurance companies so you can get a custom policy at an affordable price.

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.