Home insurance in Fort Myers
Protect your home with top-rated coverage that could save you over $1,000 every year.*
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What does homeowners insurance cover in Fort Myers?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Discounts available in Fort Myers
The average cost of home insurance is more than $9,400 per year in Florida, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security or fire alarms (available for nonmobile homes).
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
Common questions about Fort Myers home insurance
What’s the average cost of home insurance in Fort Myers?
Florida homeowners pay an average of $9,462 per year* for home insurance on a property with a replacement cost value of $350,000. However, Fort Myers residents may pay more due to higher reconstruction costs and proximity to the coast, making homes more susceptible to hurricane and wind damage.
*Based on data from the Consumer Federation of America
What factors affect home insurance premiums in Fort Myers?
Fort Myers insurers evaluate a variety of home-specific, policyholder, and regional characteristics when setting rates:
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Seasonal risk of windstorms, tropical storms, and hail
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Age, material, and wind-impact rating of your roof
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Age and construction of the home
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Access to emergency services, including proximity to fire stations and hydrants
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Local crime trends, particularly theft or vandalism-related risk
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Credit-based insurance scoring used by insurers in Florida
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Prior claims history for your home or surrounding area
How much home insurance do I need in Fort Myers?
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Dwelling coverage. Must match the full cost to rebuild your home with current local labor and materials.
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Other structures coverage. Typically set at around 10% of your dwelling limit, consider increasing coverage if you have external buildings, such as a detached garage, workshop, or gazebo, that exceed this amount.
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Personal property coverage. Generally, at least 50–70% of your dwelling limit to insure belongings like electronics, furniture, and clothing. Keeping a detailed home inventory ensures accurate coverage.
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Liability insurance. Opt for limits sufficient to protect your financial assets—including property equity, investments, and savings—against lawsuits or injury claims.
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Loss of use coverage. Usually set to 20% of your dwelling limit and can help cover the cost of hotel stays, meals, and other essential services if you are displaced after a covered loss.
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Medical payments coverage. Offers $1,000 to $5,000 to cover minor injuries to guests on your property, regardless of fault.
What does home insurance not cover in Fort Myers?
A standard home insurance policy in Fort Myers offers broad protection against several types of losses, but it typically won't cover the following:
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Animal and pest infestations
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Flooding
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Earthquakes, sinkholes, and other earth movements or shifts
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Most instances of mold or rot
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Normal wear and tear or maintenance issues
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Business activities
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Intentional damage
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Government action, war, and nuclear hazards
What additional coverages shouldFort Myers homeowners consider?
Given the risks of high rebuilding costs, flooding, and hurricanes in Fort Myers, homeowners should consider:
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Extended replacement cost coverage. Increases your dwelling coverage limit to compensate for higher rebuilding construction costs after a covered loss
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Ordinance or law coverage. Ideal for older homes that may need to be brought up to current building standards after a covered loss
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Water backup coverage. Protects against sewer and drain backups, especially in flood-affected areas
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Flood insurance. Provides financial protection after flooding, including that caused by storm surges, overflowing bodies of water, and extreme rainfall.
Is home insurance required in Fort Myers?
Home insurance is not required in Fort Myers, but if you have a mortgage on your home, your lender will usually require you to have it. Your lender will likely also require flood insurance if your property is in a designated flood zone.
Even if you don’t have a mortgage, a Fort Myers home insurance policy is a good investment. After a loss, your policy can help cover the cost to repair, replace, or rebuild your property. Without it, you’d need to pay out of pocket.