Check out the most popular Home Insurance agencies & companies in Port Charlotte, FL & compare the best quotes from them.

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Cost of Home Insurance in Port Charlotte, FL

The average cost of homeowners insurance in Port Charlotte, FL, is $1271.7. Home insurance is something that offers various features at a realistic price. There are many benefits to getting a home insurance policy covered on your house, especially a mortgage. After all, you would not want to lose the money you invested in case of some natural disaster. Moreover, home insurance can help you pay for repairs or rebuilding the entire structure if something unfortunate happens.

Below are a few affordable home insurance providers in Port Charlotte, FL.

Cost_of_Home_Insurance_in_Port_Charlotte_FL

Factors influencing home insurance in Port Charlotte, FL:

1. Homeowners insurance rates by coverage levels 

2. Homeowners insurance rates by deductibles

3. Homeowners insurance rates by number of claims

4. Homeowners insurance rates by the materials used

Homeowners insurance in Port Charlotte - Rates by Coverage Levels

Homeowners insurance is multi-peril insurance that protects a homeowner's house and belongings against many perils, including theft, fire, vandalism, floods, and wind damage. A homeowners policy will usually include liability coverage. Homeowners insurance covers a home's structure and the personal property within it.

Below is the cost of home insurance in Port Charlotte, based on the coverage limit opted by the homeowners in Port Charlotte.

Cost_of_Home_Insurance_in_Port_Charlotte_FL

Homeowners insurance in Port Charlotte - Rates by deductibles

In Port Charlotte, homeowners paying a high-deductible plan can reduce their premiums and make it reasonable to protect their homes. If a severe storm or conflagration damages your home, pre-set funds in your savings account can cover up to the remaining balance to cover repairs and rebuilding costs. Homeowners can customize their homeowners insurance policy in Port Charlotte by preferring a deductible that works for them. For instance, homeowners who opt for a deductible of 500 pay $1257 on home insurance in Port Charlotte, Florida, whereas homeowners who opt for a high deductible of 2000 pay $972.

Cost_of_Home_Insurance_in_Port_Charlotte_FL

Homeowners insurance in Port Charlotte - Rates by number of claims

Claims history includes details about each claim you have ever made. It consists of the information about the loss issue, i.e., what caused the injury, whether your policy covered it, and many more.

The policyholders with zero claims can purchase their policy for as low as $1094 in Port Charlotte. The premium is higher for policyholders with one or two claims. Homeowners pay around $1361 and $1425 on their homeowners insurance in Port Charlotte, FL, respectively.

Homeowners insurance in Port Charlotte - Rates by materials used

A house is more than a shelter. It is an investment. It is built with the sole purpose of covering the needs of living organisms. So while building your dream home, you need to follow some guidelines so that your house may be insured at affordable rates and continue serving its purpose for years to come. It is important to choose durable materials, including fire and water-resistant ones.

For instance, homeowners who use Masonry and Superior brick materials to construct their homes pay $1209 and $1158, respectively, on homeowners insurance in Port Charlotte, FL.

Top Home Insurance Companies in Port Charlotte, FL

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Erie A+ 7.02%
State Farm A 6.9%
State Farm A 6.9%
Allstate A+ 4.9%
Travelers A++ 3.1%

Top Erie Home Insurance Agents in Port Charlotte, FL

Homeowners Insurance Agents Agent Address Contact Details
Blue Grass Insurance Bowling Green 27241 Bay Landing Dr Ste 3
https 34135
(239) 947-4333
West Virginia Insurance Agency 5104 N Lockwood Ridge Rd #104
34243
Lindquist Insurance Associates Inc. 1103 CAPE CORAL PKWY EAST SUITE A
33904
239-549-6255
The Young Group Of Fuquay 41180 Horseshoe Rd
www.tygof.com 33982
Strachan Insurance Agency Inc. 421 A Commercial Court
34292
Tanner Insurance Agency Inc 13515 Bell Tower Dr 13515 Bell Tower Dr Ft\u00a0Myers
www.tannerinsurance.org 33907

Email:oneida@tiains.com
Earle Insurance Agency 2481 Del Prado Blvd N Ste 117
33909
(239) 540-4848
Linwood Forest Insurance Group Llc 4404 N TAMIAMI TRAIL
www.linwoodforest.com 34234
941-360-6777
Spathies Insurance Agency Inc. 12660 World Plaza Ln Ft.\u00a0Myers
33907
Short Pump Insurance Llc 230 Tamiami Trl S Ste 31
34285

Top Allstate Home Insurance Agents in Port Charlotte, FL

Homeowners Insurance Agents Agent Address Contact Details
The Wilson Team 2709 Swamp Cabbage Ct # 105 Fort\u00a0Myers
33901
Thomas Lane 1872 Tamiami Trail South Ste G
34293
Walker Ins Agency 14942 Tamiami Trail Ste D North\u00a0Port
34287
Zachary Wandell 5160 Station Way
34233
All In One Ins Grp 1400 Colonial Blvd Ste 12
33907-1054
239-939-2112
Tim Rowen 5266 Office Park Blvd #203
34203
Denise Hoffman 234 Del Prado Blvd N Ste 2
33909
(239) 573-2088
Nate Son 2120 W 1ST ST
33901
239-337-2221
The Keller Schneider Agency 5310 Clark Rd Ste 1
34233
Donna Magsamen 15880 Summerlin Rd Ste 306
33908
(239) 433-3383

Top Travelers Home Insurance Agents in Port Charlotte, FL

Homeowners Insurance Agents Agent Address Contact Details
Brinckerhoff & Neuville Inc 14506 Tamiami Trl
www.bninsgroup.com 34287-2704
941-429-3326
Email:DSTELTZ@POWERSANDHAAR.COM
Deco Insurance Agency 1819 Main St Ste 107
34236
(941) 227-4118
Lonestar Integra Financial Services 13412 PARKER COMMONS BLVD
www.lonestarintegra.com 33901
239-689-8570
Lindquist Insurance Assoc Inc 4707 SE 9 PLACE STE 102
33904
239-772-5400
First Community Insurance & Annuity Center 6455 Gateway Ave
34231
(941) 923-9550
J A F Insurance Agency Inc 9023 TOWN CENTER PKWY
34202
941-952-7517
Wilcox & Mcgrath Ins 303 Ne 3Rd Ave Unit 2 Cape\u00a0Coral
www.bfins.com 33909
Partner Agency Insurance Services Inc 13720 BEN C PRATT/6 MILE CYPRESS PKWY STE 2
33912
(239) 418-1100
Elvis H Telleria 3629 Webber St Ste A
34232
(941) 921-6630
Wells Fargo Insurance Services Usa Inc 1201 S Mccall Rd
34223

Top state farm Home Insurance Agents in Port Charlotte, FL

Homeowners Insurance Agents Agent Address Contact Details
John Hilleyer 8209 Natures Way Unit 203C Lakewood\u00a0Ranch
34202

Top State Farm Home Insurance Agents in Port Charlotte, FL

Homeowners Insurance Agents Agent Address Contact Details
Lino Reale 1504 53RD AVE W
www.linoreale.com 34207
941-755-4753
Denise Wegner 340 Tamiami Trl S Ste 101
www.denisewegner.com 34275
(941) 484-8884
William Kohl 1429 60Th Ave W Ste 200
www.williamkohl.com 34207
Mary Horne 24830 Burnt Pine Dr Ste 2
34134
Steven E Bible 5660 Marquesas Circle
34233
Lindsay Mesches 13241 UNIVERSITY DR STE 102
www.smile4insurance.com 33907
239-936-4858
Lionel Mabasa 5104 N LOCKWOOD RIDGE RD STE 207B
www.lionelmabasa.com 34234
941-757-5700
Tommy Reese 3900 Clark Rd Unit P5
34233
Amy Falcon 7950 Dani Dr Ste 145
www.amyfalcon.com 33966-8015
239-332-4999
Tommy Breedlove 13225 State Road 64 East
34212

Homeowners Insurance Comparison for the Cheapest Premiums in Port Charlotte, FL

State FarmAllstateTravelers
Median Home Value ($) 134,910144,910134,910
Construction year 198520031984
Home Coverage ($) $200000-$250000$175000-$200000$125000-$150000
Total Premium ($) $5054$3543$2442

Port Charlotte, FL Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Erie upto 23%
Allstate upto 19%
Travelers upto 7%