Save On Home Insurance in Fort Myers, FL | TGS Insurance Agency

Save on Home Insurance in
Fort Myers, FL

We ONLY need your address

Quote looks like this
An Example Quote

See What Our Clients Have to Say

Excellent

trust star

Based on 3,313 reviews

Showing our 4 & 5 star reviews
Homeowners Insurance  »  Florida  »  

Fort Myers

Discover the Ease of Insurance Shopping with TGS: We Find the Best Coverage for You

 

At TGS Insurance Agency, we excel as an independent agency representing over 55 top-rated insurance carriers. This extensive network allows us to offer a broad range of comprehensive home insurance options tailored to your specific needs. We simplify the insurance shopping process by doing the heavy lifting for you. Starting with an instant, free quote, our knowledgeable agents customize your policy and find every possible discount. Our goal is to provide you with the best coverage at the best price, ensuring a stress-free experience. With TGS Insurance Agency, we shop so you can save. It’s really that easy.

 

Comprehensive Home Insurance Coverage in Fort Myers

 

Ensure your home and personal belongings are protected from unexpected events with a robust home insurance policy in Fort Myers. A standard policy typically includes coverage for your home’s structure, personal possessions, liability, and additional living expenses. However, every policy is different, making it essential to collaborate with an agent who can customize your coverage to match your individual needs. Whether you need extra protection for high-value items or want to add specific coverage for risks like earthquakes or floods, we’ve got you covered. Safeguard your peace of mind with the right home insurance plan tailored just for you.

 

Home Insurance Costs in Fort Myers

 

For TGS Insurance clients in Fort Myers, the typical annual cost of home insurance is $3,627. Several key factors influence your insurance premium, including:

  • The value of your home
  • The location of your property
  • The age of your home
  • Your credit rating

These elements establish your insurance baseline, but you have the option to tailor your coverage to fit your needs. Opting for more extensive coverage will increase your annual premium. At TGS Insurance, we’re dedicated to helping you find the best possible rate while ensuring you get the coverage you need.

 

Understanding Dwelling Coverage Impact on Premium in Fort Myers

 

Dwelling coverage is a vital part of home insurance, safeguarding the physical structure of your home against covered hazards. Your policy typically offers coverage up to a certain dollar amount, known as the policy limit. It’s essential to set a dwelling coverage limit high enough to cover the full cost of rebuilding your home if it were to be completely destroyed.

The dwelling coverage limit plays a significant role in determining your home insurance premium. Generally, higher coverage limits translate to higher premiums because the insurer takes on more risk. Below is a summary of the average home insurance premiums based on varying dwelling coverage limits.

 

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$200,000 - $299,999$3,258
$300,000 - $399,999$3,344
$400,000 - $499,999$3,447
$500,000 - $599,999$4,107
$600,000 - $699,999$4,764
$700,000 - $799,999$6,078
$800,000 - $899,999$7,212
$900,000 - $999,999$7,961

 

Home Insurance Costs by Zip Code in Fort Myers

 

Many local factors can influence home insurance rates in Fort Myers, varying even within different zip codes. Elements such as crime rates, the risk of natural disasters, and even how close your home is to a fire station can affect your premiums. In Fort Myers, the ZIP code with the highest average premium is 33919. The average cost for that ZIP code is $5,426. 

 

Fort Myers Home Insurance Rates By Home Age

 

The age of a home plays a crucial role in determining home insurance rates. Insurers typically charge higher premiums for older homes because they are more likely to have outdated infrastructure, such as electrical systems, plumbing, and heating, which can increase the risk of fires, water damage, and other costly incidents. Older homes may also be built with materials that have deteriorated over time or do not meet contemporary safety standards. In contrast, newer homes usually benefit from modern construction practices, enhanced safety features, and up-to-date building codes, all of which contribute to a lower likelihood of damage and, therefore, lower insurance premiums.

 

Why Do Home Insurance Premiums Differ Between Providers?

 

Home insurance rates differ from one carrier to another due to several factors. Each insurer has its method for calculating risk, which includes analyzing the home’s location, age, and condition, along with the homeowner’s claim history and credit score. Additionally, different carriers offer various discounts, such as those for bundling policies, installing safety features, or maintaining a claims-free record. Regional risks and previous natural disasters can also affect premiums, as some insurers might price these higher than others. Furthermore, the quality of customer service and the insurance company’s financial health can influence rates, with more established firms possibly charging more for their reliability and comprehensive coverage. As a result, it’s essential for homeowners to compare quotes from several carriers to find the best coverage at the most competitive rate.

 

Fort Myers Zip Codes We Insure

33900339013390233905
33906339073390833911
33912339133391633919
33965339663396733994

Didn’t see your zip code? No problem! We’re here to help homeowners all across Florida find the right home coverage. Start with a free instant quote by entering your address above.

TGS Insurance is Fort Myers' Premier Home Insurance Provider

Fort Myers neighborhood

Fort Myers, Florida, is famous for its beautiful beaches, historic estates like the winter homes of Thomas Edison and Henry Ford, and vibrant downtown. With its bustling cultural scene and proximity to Sanibel Island, Fort Myers is a popular destination for both tourists and residents.

Fort Myers neighborhood

TGS Insurance Agency is committed to offering the best insurance coverage for homeowners in Fort Myers. Our expert agents provide exceptional customer service and customized policies to fit your needs. Get your free quote now and safeguard your home with confidence.

Key Home Statistics in Fort Myers

97,372

Total Population in Fort Myers, FL

$370,013

Average Home Value in Fort Myers, FL

$87,204

Median Household Income in Fort Myers, FL

41

Median Age in Fort Myers, FL

Trust TGS Insurance in Fort Myers

Data as of December 09, 2024

24,189

Total
Customers

$10.1 B

Total Assets Covered Projected

24,000

Total Homes Insured

9,000

Total Vehicles Insured

Major Neighborhoods in Fort Myers, FL

Image of Coconut Cove Neighborhood

Coconut Cove

Coconut Cove in Fort Myers is a gated community offering coastal-style homes, a serene environment, and amenities like a community pool, perfect for relaxed living.

Image of Miromar Lakes Beach & Golf Club Neighborhood

Miromar Lakes Beach & Golf Club

Miromar Lakes Beach & Golf Club in Fort Myers offers luxury waterfront living, resort-style amenities, a championship golf course, and private beach access for residents.

Image of The Forest Country Club Neighborhood

The Forest Country Club

The Forest Country Club in Fort Myers offers luxury living with championship golf courses, beautiful homes, and resort-style amenities in a serene, gated community.

Local Home Resources in Fort Myers, FL

Fire Departments
Fort Myers Fire Dept2404 Dr Martin Luther King Blvd
Fort Myers, FL 33901
(239) 321-7311
Fort Myers Shores Fire Dept12345 Palm Beach Blvd
Fort Myers, FL 33905
(239) 694-2833
Golf Coast Management Fire Lines10295 Bismark Palm Way
Fort Myers, FL 33966
(239) 939-2509
Iona McGregor Fire District6061 S Pointe Blvd
Fort Myers, FL 33919
(239) 433-0660
National Fire Adjustment CO Inc15500 Bellamar Cir
Fort Myers, FL 33908
(239) 481-8885
South Trail Fire Dept5531 Halifax Ave
Fort Myers, FL 33912
(239) 433-0080
Tice Fire Dept9351 Workmen Way
Fort Myers, FL 33905
(239) 694-2380
Police Departments
City Fort Myers Police Department2210 Widman Way
Fort Myers, FL 33901-3605
612-347-2121
Fort Myers Police Dept2210 Peck St
Fort Myers, FL 33994
2393217700
FORT MYERS POLICE DEPT2210 WIDMAN WAY
FORT MYERS, FL 33994
2393217700
Fort Myers Police Dept2210 Widman Way
Fort Myers, FL 33901
2393217700
Highway Patrol10041 Daniels Pkwy
Fort Myers, FL 33913
2393441730
Highway Patrol10041 Daniels Pkwy
Fort Myers, FL 33994
2393542377
Lee Co Sheriff Ofc14750 Six Mile Cypress Pkwy
Fort Myers, FL 33912
2393352426
Lee County SheriffRoom 1360A 1700 Monroe Street
Fort Myers, FL 33901
334-749-5651
Lee County Sheriff Office14750 6 Mile Cypress Pkwy
Fort Myers, FL 33994
2394771200
Lee County Sheriff's Office14750 Six Mile Cypress Pkwy
Fort Myers, FL 33912
2393352426
LEE COUNTY SHERIFF'S OFFICE14750 BEN C PRATT/6 MILE CYPRE
FORT MYERS, FL 33994
2394771000
Lee County Sheriff's Office14750 Ben C Pratt6 Mile Cypres
Fort Myers, FL 33912
2394771000
Lee County Sheriff's Office14750 Ben 6 Mile Pkwy
Fort Myers, FL 33912
2394771000
Lee County Sheriff's Office14750 Ben C Pratt/6 Mile Cypre
Fort Myers, FL 33912
2394771000
Lee County Sheriff's Office14750 6 Mile Cypress Pkwy
Fort Myers, FL 33994
2394771200
Lee County Sheriff's Office14750 Ben C Pratt/6 Mile Cypress Pkwy
Fort Myers, FL 33912-4406
239-477-1000
Lee County Sheriff's Office Major Crimes Unit14750 Six Mile Cypress Pkwy
Fort Myers, FL 33912
2393352426
Lee County Sheriff's Office,ga14750 Six Mile Cypress Pkwy
Fort Myers, FL 33912
2393352426
Lee County Sheriffs Dept14750 Ben C PRATT/6 Mile Cypress Pkwy
Fort Myers, FL 33994
2394771200
Naples Police Department2929 INDUSTRIAL AVENUE
Fort Myers, FL 33901
239-334-1051