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If you live in the 34109 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Naples have saved hundreds of dollars on their annual premium when using

Our service is always free and we not only find a great policy for you, our FL licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 34109 and then compare quotes from a variety of nationwide insurance companies.

34109 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 34109 the average premium for homeowners coverage is $1607 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 34109. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

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We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

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34109 Home Insurance Average Premiums

Local 34109 homeowners insurance quotes comparison

$1357 /yr.

Shows Zip Code: 34109 lowest rates with discounts applied on average.

For the 34109, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1357 /yr.
Average Coverage:$1607 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1907 /yr.

What is the average home insurance cost for a home in 34109?

  • • The average homeowners insurance premium paid annually for a home in 34109 is around $1607 per year.

What does it cost on average per month for home insurance in 34109?

  • • Homeowners in 34109 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 34109?

  • • Autoowners in 34109 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Naples area, check out other zip codes nearby 34109.
Review average rates in another zip code:
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34102 homeowners insurance rates

Home Replacement Cost Coverage in 34109

Average Building Cost Per Square Foot in 34109: $167

Location: Naples, Florida (Collier County)

Average Square Footage in 34109: 2,678 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34109 before you start any project. Naples homeowners pay on average around $167 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 34109 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 34109 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,678 sq. ft. and the average cost to rebuild the home in this area is around $167 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Naples area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1672,678$447,300
Additional Upgrades & Added Features$2092,678$559,125
Major Home Updates or Advancements$2512,678$670,950

It's important to understand that when you estimate your replacement cost of your home in the 34109 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 34109

Ackerman Insurance Services Inc - New Location

Address: 1575 Pine Ridge Road Naples, FL 34109
Phone: (239)597-1096

Best Home & Auto Insurance Agencies in 34109

Nationwide Insurance

Address: 5447 Airport Pulling Road North Naples, FL 34109

Allstate Insurance Company - Renee Moisan

Address: 9180 Galleria Court Naples, FL 34109

Renee Moisan - Allstate Insurance Company

Address: 9180 Galleria Court #300 Naples, FL 34109

Julie, Wittock Naples - State Farm Insurance Auto Car Life 33881 33880

Address: 3463 Pine Ridge Road #102 Naples, FL 34109

Galt Insurance Group of Collier County LLC

Address: 7955 Airport Pulling Rd N, #204 Naples, FL 34109

Housing Demographics for 34109

Population Review for 34109 Zip Code

For the city of Naples, the population within 34109 has increased to over 32,939 residents in population size. The current population total is 26,102. We have broken down the population based on race below. In 34109, there are over 12064 in male population and 14038 females.

Total Population26,102
White Population20566
Black Population622
Hispanic Population4421
Asian Population590
Hawaiian Population12
Indian Population58
Other Population1271
Male Population12064
Female Population14038
Population Estimate32939

Household Data for 34109

The average number of homes in 34109 is around 12,189, there are an average of 2.11 per household. The average house value according to local real estate values is around $447,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,189
Persons Per Household2.11
Average House Value$447,300
Income Per Household$81140
Median Age55.2
Median Age Male53.2
Median Age Female56.6
34109 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code239
City Alias NameNAPLES
County FIPS021
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameNaples-Marco Island, FL
MSA_NameNaples, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses1729
Number Of Employees19634
Business First Quarter Payroll232594
Business Annual Payroll1018889
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population321520
CBSA Division Population0
Congressional District19
Congressional LandArea750.37
Delivery Residential15611
Delivery Business1644
Delivery Total18569
Preferred Last Line KeyY22467
Classification Code
CSA NameCape Coral-Fort Myers-Naples, FL
City State KeyY22467
Land Area12.514000
Water Area0.745000
City Alias Code
City Mixed CaseNaples
City Alias Mixed CaseNaples
Box Count0
State ANSI12
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number116270
Unique ZIP Name
SSA State County Code10100
Medicare CBSA Code34940
Medicare CBSA NameNaples-Marco Island, FL
Medicare CBSA TypeMetro
Market Rating Area ID11
County Mixed CaseCollier

Florida Homeowners Insurance News & Information

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • Fall 2023: Florida Homeowners Insurance Premium Update Posted on Tuesday 24th October, 2023

    Despite the fact that the Florida legislation finally passed a couple of bills to deal with the ever-increasing cost of homeowners insurance, it seems unlikely that premiums will start to fall anytime soon according to a report put out by Karen Clark & Company (KCC), a risk modelling firm. The recent report, titled “Managing Expectations: […]