Annual Average Rates for Home Insurance in Naples, Florida No, homeowners insurance isn’t required by law in Naples. However, a policy is required by mortgage lenders if you have or are seeking a mortgage. Lenders mandate that borrowers maintain home insurance to protect their investment in your property for the life of the loan.
Key Takeaways
- The average cost of homeowners insurance in Naples, Florida, is about $1,731 annually, although home value, location, and other property details affect rates.
- AmWins, American Platinum, and Slide had the cheapest home insurance in Naples, according to our agency data.
- The best way to save money on a home insurance policy is by shopping around and comparing quotes with insurance agents in Naples, Florida.
Average Cost of Home Insurance in Naples, Florida
On average, Naples home insurance costs about $1,731 annually, which is nearly 40% cheaper than the Florida state average. However, rates vary by property and location, so you may pay more if you have a larger, more expensive home.
Florida has some of the priciest home insurance in the nation due to high property values and the consistent threat of hurricanes every year. Coastal locations tend to have higher rates, while inland areas, less prone to hurricane damage, have lower rates.
Naples seems to be an exception, though, for our policyholders, as average rates in the city are well below the state average. Insurance costs vary due to many factors, including the company you choose.
As an independent insurance agency in Naples, Florida, we can present real, average premiums from our policyholders in the city to give you a frame of reference when you’re shopping around for your own coverage.
|
Company |
Average Premium |
|---|---|
|
AmWins |
$1,440 |
|
American Platinum |
$1,566 |
|
Johnson & Johnson |
$2,068 |
|
Slide Insurance Company |
$2,527 |
|
Florida Peninsula |
$2,663 |
|
Swyfft |
$3,168 |
|
Edison |
$3,946 |
|
Citizens |
$4,136 |
|
Mangrove |
$4,620 |
|
Olympus |
$5,422 |
|
Average |
$1,731 |
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.
Cheapest Homeowners Insurance in Naples, Florida
American Platinum and Slide were the cheapest home insurance companies in Naples for our policyholders. The other top choices for affordable coverage on our list, AmWins and Johnson & Johnson, aren’t actually carriers; they’re more like Naples insurance agents or brokers that often specialize in unique insurance scenarios.
Nevertheless, our team at Clovered can pair you with the cheapest policy from any of our partner carriers above and more. We can provide all sorts of insurance services in Naples, Florida, by helping you find coverage from insurers large and small, as well as specialty brokers.
Another notable carrier on our list is Citizens. Citizens is a state-run insurer that was designed as a last-resort option for those homeowners in Florida who couldn’t find affordable premiums. You qualify for Citizens if you get three quotes from private insurers that are over 20% of your Citizens quote.
You never know which insurance company in Naples is cheapest for you until you get quotes. Our team of licensed agents is built to simplify the experience and compare several carriers to match you with the best policy for your needs.
Best Homeowners Insurance Companies in Naples, Florida
Choosing among the Naples, Florida, insurance providers is a different process for everyone. People may weigh customer service, coverage needs, and company values differently that affects their decision on a carrier.
We can present more context on our partner companies below to help you make the right choice for the best insurance in Naples, Florida. Average premiums are determined from our policyholder data. Financial strength is determined by each company’s ratings from Demotech, a leading insurance industry credit rating agency.
To gauge consumer satisfaction, we used the National Association of Insurance Commissioners’ complaint index, which compares a firm’s consumer complaint performance with other companies in the market. The default index number is 1.0, meaning a company with a complaint index of 2.0 has a complaint value twice as high as expected. So, for their scale, lower is better.
AmWins
Demotech Rating
NR
NAIC Complaint Index
NR
Average Premium
$1,440
AmWins is a specialty insurance distributor and brokerage that offers several types of property and casualty insurance. AmWins operates internationally across several personal and commercial markets.
American Platinum
Demotech Rating
A
NAIC Complaint Index
1.95
Average Premium
$1,566
American Platinum Insurance Company, founded in 2011, is a subsidiary of Universal Insurance Holdings, offering home insurance coverage in Florida and Georgia. Policies are available exclusively through independent agents at Clovered.
Johnson & Johnson
Demotech Rating
NR
NAIC Complaint Index
NR
Average Premium
$2,068
Johnson & Johnson is an independent insurance brokerage founded in 1930, offering insurance services in all 48 contiguous states. While not an insurance carrier, it can provide the insurance services needed for many types of personal and surplus lines.
Slide Insurance Company
Demotech Rating
A
NAIC Complaint Index
0.56
Average Premium
$2,527
Slide Insurance Company was founded in 2021 and began operations offering home insurance in 2022. Available in Florida and South Carolina, the company currently has over 300,000 policyholders in the Sunshine State, making it one of Florida’s largest.
Florida Peninsula
Demotech Rating
A
NAIC Complaint Index
0.10
Average Premium
$2,663
Florida Peninsula Insurance Company was founded in 2005 and focuses on offering coverage in its namesake state. With over 150,000 policies in force in Florida, it just cracks the top ten list of Florida’s largest home insurers.
Swyfft
Demotech Rating
NR
NAIC Complaint Index
NR
Average Premium
$3,168
Swyfft is an insurance managing general agency founded in 2014, offering insurance products in several coastal states around the country.
Edison
Demotech Rating
A
NAIC Complaint Index
0.40
Average Premium
$3,946
Established in 2006, Edison Insurance Company offers home insurance primarily in Florida through independent agents, like our team at Clovered. It was acquired by Florida Peninsula Insurance Company in 2010, although it still has its own book of business.
Citizens
Demotech Rating
NR
NAIC Complaint Index
0.69
Average Premium
$4,136
Citizens Property Insurance Corporation is Florida’s state-run home insurer of last resort. It’s a non-profit entity that provides property insurance to state residents who are unable to obtain coverage in the traditional, private market.
Mangrove Property Insurance
Demotech Rating
A
NAIC Complaint Index
0.00
Average Premium
$4,620
Mangrove Property Insurance Company was founded in 2025 in Florida and offers home insurance coverage only in the Sunshine State. It is distributed through independent agents.
Olympus
Demotech Rating
NR
NAIC Complaint Index
0.90
Average Premium
$5,422
Olympus Insurance Company has offered home insurance solely in Florida since its founding in 2007, with a general focus on higher-value homes and a count of over 70,000 policyholders.
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.
Naples Homeowners Insurance Coverages
While the primary reason for getting a policy with a Naples insurance company is to protect your house from perils — such as fires, burglary, hurricanes, and torrential rains — Naples home insurance covers much more than just the structure of your house. Let’s take a look at the different coverages you’ll receive with a policy.
|
Coverage |
Definition |
|---|---|
|
Coverage A |
Coverage A covers elements of your home like the walls, fireplace, flooring, and sometimes even your HVAC. In other words, it covers the structure of your home. This coverage is also called dwelling coverage. |
|
Coverage B |
Coverage B protects elements on your property like your detached garage, carport, fence, or shed. It can be used to cover the structures on your property that aren’t attached to your main home. This coverage is also called other structures coverage. |
|
Coverage C |
Coverage C can be used to cover things like your lawnmower, grill, armchair, computer, and so much more. Simply put, it covers the belongings you store on your property. It can also be called personal property coverage. |
|
Coverage D |
Coverage D can be used to cover the cost of basic necessities like temporary housing or food should your home be rendered unlivable by a covered peril. It’s also called loss of use coverage. |
|
Coverage E |
Coverage E can be used to cover medical expenses and legal fees if someone injures themself on your property or if a member of your household damages someone else’s property. This coverage is also called personal liability coverage. |
|
Coverage F |
Coverage F can help you cover a guest’s medical expenses should they suffer a minor injury, like a broken arm, on your property. It’s also called medical payments coverage. |
How to Get Homeowners Insurance Quotes in Naples, Florida
Getting a home insurance quote in Naples is easy as ever and only takes a few minutes with our online quoting tool. As a Naples insurance agency, Clovered partners with the top insurers in the state so we can shop the market for you and find a policy that fits your needs and your budget.
All you need to do is answer a few questions about your house, and we’ll do the rest! If you’d rather chat with a person, we completely understand. We have a team of licensed, in-house agents ready to help with anything you need.
Just call 833-255-4117 Monday through Friday from 8:30 a.m. to 6 p.m. or email us anytime at agent@clovered.com. We’re always happy to help!
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.
Naples Home Insurance FAQs
Is homeowners insurance required in Naples, Florida?
What is wind mitigation in Naples, Florida?
Wind mitigation refers to the installation or construction of house features that help the structure withstand hurricane-force winds. Common wind mitigation elements include hip roofs, roof straps, and hurricane windows. Having wind mitigation features reduces home insurance premiums, often substantially. You can get a wind mitigation inspection in Naples, Florida, to see if you qualify for discounts.
What is renters insurance in Naples, Florida?
Since renters don’t own the property they live in, they don’t need homeowners insurance. Instead, renters need, as you may be able to guess, renters insurance. Renters insurance focuses on personal property and liability and is much cheaper than homeowners insurance.
What is manufactured home insurance in Naples, Florida?
Mobile and manufactured homes won’t be covered by traditional homeowners insurance, known as the HO3 policy. Instead, both manufactured and mobile home insurance in Naples, Florida, is supplied by an HO7 plan. HO7 plans have many of the same default coverages, but not all insurers offer them. You’ll likely have more limited options when shopping around for an HO7.
What is condo insurance in Naples, Florida?
Condos are a common form of housing in Naples. Technically, condo owners need a separate type of insurance policy that isn’t traditional homeowners insurance, which is formally the HO3 policy. Condo owners need, perhaps unsurprisingly, condo insurance, which is an HO6 policy. The plans differ slightly in included coverages, and the price of condo insurance may be lower than homeowners insurance, although it depends on the size and location of your unit.
What factors influence Naples home insurance rates?
Insurers examine several factors to determine rates of house insurance in Naples, Florida, including home age, size, condition, construction materials, and location. Policy details like coverage amounts, deductibles, and endorsements will also affect costs. The claims history of both you and your property is also a vital factor in determining premiums.
Do you need flood insurance in Naples, Florida?
You must have flood insurance in Naples only if your lender requires it. This will happen if your house is in a high-risk flood zone as determined by the Federal Emergency Management Agency (FEMA). If you have a mortgage and your home is in a high-risk flood zone on FEMA maps, your lender will require you to have flood insurance in addition to homeowners insurance.
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?
The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.
