In Fort Myers, Chubb offers the best home insurance, balancing affordability, customer service and coverage options. For those prioritizing price, State Farm provides the lowest premium starting at $433 per month.
Cheap Home Insurance in Fort Myers
Updated: June 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
Chubb is the best overall home insurance company in Fort Myers, while State Farm is the cheapest with an average rate of $5,197 per year.
Home insurance in Fort Myers costs an average of $762 per month or $9,140 per year for most homeowners.
To get the best and cheapest home insurance in Fort Myers, assess your coverage needs beforehand, research costs and companies, and compare multiple quotes.
Best Cheap Home Insurance Companies in Fort Myers
| Chubb | 96 | $529 | $6,345 |
| State Farm | 93 | $433 | $5,197 |
| Florida Peninsula Insurance | 87 | $436 | $5,231 |
| Nationwide | 87 | $650 | $7,801 |
| Allstate | 79 | $712 | $8,540 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Fort Myers Home Insurance Cost?
Home insurance rates in Fort Myers depend on factors like your personal profile, coverage level and home details. Costs range from $158 to $2,636 monthly. Use the table below to compare personalized rates based on your home's age and coverage level.
Data filtered by:Results filtered by:
Select
Age of Home:Newer Home
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $158 | $1,891 |
How to Get the Best Cheap Home Insurance in Fort Myers
Finding affordable home insurance in Fort Myers can be challenging. We've prepared a step-by-step guide to help you secure the best affordable coverage for your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Florida for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes from various sources helps you identify the best option for you. Pricing also varies depending on where you get your quote. We recommend using online tools, independent agents and captive agents to get quotes to make sure you get the lowest price.
Best Home Insurance in Fort Myers: Bottom Line
The top three best and cheapest home insurance providers in Fort Myers are Chubb, State Farm and Florida Peninsula. While these are our recommendations, conduct your own research and compare multiple quotes to secure the best deal.
Fort Myers Home Insurance: FAQ
We answer common questions about home insurance in Fort Myers.
Who offers the best home insurance in Fort Myers?
We recommend Chubb as the best home insurance provider in Fort Myers for its affordable pricing, excellent service and broad selection of add-ons. We also recommend getting quotes from State Farm, Florida Peninsula, Nationwide and Allstate.
Who has the cheapest home insurance in Fort Myers?
State Farm offers the most cost-effective home insurance for the average homeowner in Fort Myers, at about $433 per month or $5,197 per year. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Fort Myers?
Home insurance costs in Fort Myers range from $1,891 to $31,636 annually, based on property age and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in Fort Myers
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Fort Myers. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.