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Are you paying too much for homeowners insurance in 34116? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Naples, FL that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Florida licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 34116?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 34116 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 34116 and get ready to save.

3 Easy Ways To Save Money In 34116

These three links will help you explore home insurance quotes in 34116 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 34116 Home Insurance Costs Rated: very high!

The average price for a homeowners insurance policy in Naples is roughly $1647. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

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34116 Home Insurance Average Premiums

Local 34116 homeowners insurance quotes comparison

$1397 /yr.

Shows Zip Code: 34116 lowest rates with discounts applied on average.

For the 34116, 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)
$1397 /yr.
Average Coverage:$1647 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1947 /yr.

What is the average home insurance cost for a home in 34116?

  • • The average homeowners insurance premium paid annually for a home in 34116 is around $1647 per year.

What does it cost on average per month for home insurance in 34116?

  • • Homeowners in 34116 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 34116?

  • • Autoowners in 34116 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 34116.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 34116

Average Building Cost Per Square Foot in 34116: $167

Location: Naples, Florida (Collier County)

Average Square Footage in 34116: 1,689 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34116 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 34116 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 34116 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,689 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$1671,689$282,100
Additional Upgrades & Added Features$2091,689$352,625
Major Home Updates or Advancements$2511,689$423,150

It's important to understand that when you estimate your replacement cost of your home in the 34116 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 34116

Carr & Associates

Address: 11725 Collier Boulevard Naples, FL 34116
Phone: (239)348-3555
Website:

Best Home & Auto Insurance Agencies in 34116

A Aachen Able Auto Buyers Insurance Inc

Address: 4890 Golden Gate Pky Naples, FL 34116
Phone:
Website:
Info:

Conover Richard - State Farm Insurance Agent

Address: 11725 Collier Boulevard Naples, FL 34116
Phone:
Website: http://www.richardconover.com/
Info:

Great Florida Insurance

Address: 5286 Golden Gate Parkway #1 Naples, FL 34116
Phone:
Website: http://www.naples2.greatflorida.com/
Info:

Allstate Insurance Companies

Address: 4930 Golden Gate Pky Naples, FL 34116
Phone:
Website: http://www.allstateagencies.com
Info:

A + Naples Discount Insurance I

Address: 1839 Santa Barbara Blvd Naples, FL 34116
Phone:
Website:
Info:

Housing Demographics for 34116

Population Review for 34116 Zip Code

For the city of Naples, the population within 34116 has increased to over 32,054 residents in population size. The current population total is 31,538. We have broken down the population based on race below. In 34116, there are over 16007 in male population and 15531 females.

PopulationValues
Total Population31,538
White Population11538
Black Population4139
Hispanic Population18581
Asian Population264
Hawaiian Population8
Indian Population329
Other Population5904
Male Population16007
Female Population15531
Population Estimate32054

Household Data for 34116

The average number of homes in 34116 is around 10,126, there are an average of 3.11 per household. The average house value according to local real estate values is around $282,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,126
Persons Per Household3.11
Average House Value$282,100
Income Per Household$62366
Median Age36.8
Median Age Male35.8
Median Age Female37.8
34116 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code239
CityNaples
City Alias NameNAPLES
CountyCollier
County FIPS021
State FIPS12
Time Zone5
Day Light SavingY
MSA5345
PMSA
CSA163
CBSA34940
CBSA_DIV
CBSA_TypeMetro
CBSA_NameNaples-Marco Island, FL
MSA_NameNaples, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses675
Number Of Employees4133
Business First Quarter Payroll34291
Business Annual Payroll150978
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|26
Congressional LandArea750.37|2098.66
Delivery Residential10307
Delivery Business433
Delivery Total14990
Preferred Last Line KeyY22467
Classification Code
Multi-County
CSA NameCape Coral-Fort Myers-Naples, FL
CBSA_DIV_Name
City State KeyY22467
Land Area9.285000
Water Area0.324000
City Alias Code
City Mixed CaseNaples
City Alias Mixed CaseNaples
Box Count605
SFDU7118
MFDU1820
State ANSI12
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
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

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • 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 […]