Updated: December 16, 2024
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In Lehigh Acres, Florida, Nationwide is the overall best and cheapest choice for home insurance. If customer service is your priority, Chubb is the best. These companies cater to different needs, so we recommend choosing a provider based on what is important to you.
Selecting the best cheap home insurance depends on individual needs like home location, size and safety features.
Best HomeInsuranceLehigh AcresTable of Contents
Why Trust MoneyGeek? We used data and rates from the Florida Department of Insurance and Quadrant Information Services to select the top homeowners insurance options in Lehigh Acres.
Home insurance premiums in Lehigh Acres represent the latest available quotes as of September 2024.
MoneyGeek found that Nationwide is the best option for home insurance in Lehigh Acres, Florida. It has a MoneyGeek score of 93 out of 100 for $100K dwelling coverage.
The scores for home insurance companies in Lehigh Acres, Florida, range from 38 to 93. These figures reflect MoneyGeek's scoring system, which may vary based on factors like your credit history and the age of your home.
| Nationwide | 93 | $935 |
| State Farm | 91 | $1,202 |
| Chubb | 80 | $3,806 |
| Florida Peninsula Insurance | 79 | $2,091 |
| Allstate | 74 | $2,703 |
| ASI | 71 | $1,821 |
| Heritage Insurance | 65 | $2,411 |
| Universal Property | 38 | $6,546 |
MoneyGeek found that Nationwide is the best option in Lehigh Acres, Florida, for $100K dwelling coverage. The two best home insurance companies in Lehigh Acres for $100K dwelling coverage are:
Nationwide is the best home insurance provider because it offers affordability and has a great coverage score, which are the most significant contributors to its MoneyGeek score.
In Lehigh Acres, various companies offer different costs and service experiences. Customer service and coverage options may be as crucial as cost when making claims.
Nationwide has high affordability and coverage scores, which contribute to its top MoneyGeek score. It offers comprehensive home insurance with coverages like cyber event/ID theft and guaranteed replacement cost. Discounts, such as bundle and protective device, can help you save. Bundling your home and auto insurance or having smoke detectors can qualify you for these savings.
Nationwide provides valuable coverages like service line protection, which covers damage to underground lines. Equipment breakdown coverage helps with repairs for mechanical failures. Building ordinance or law coverage can assist in rebuilding to current codes after a loss. These options make Nationwide a strong choice for homeowners seeking reliable protection.
MoneyGeek found that Chubb offers the best customer service in home insurance in Lehigh Acres, Florida, for a $100K dwelling coverage. Here are the top two providers:
Chubb tops the list because of its excellent customer satisfaction scores, which greatly influence its high MoneyGeek score. Superior service and strong customer support make Chubb a wise choice for homeowners seeking reliable insurance support.
Excellent service in home insurance means prompt and helpful assistance whenever you need it.
Chubb is the best for service quality, with high customer satisfaction boosting its MoneyGeek score. It offers comprehensive home insurance coverage, including guaranteed replacement cost and building ordinance or law. You can save with discounts like new home and home renovation. For example, you get a discount if your home was renovated within the last six years.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed limits. Building ordinance or law pays for updates to meet current codes. Cash settlement lets you choose a cash payout if you don't rebuild.
MoneyGeek found that Nationwide is the best cheap home insurance option in Lehigh Acres, Florida, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
When considering the average cost of homeowners insurance in Florida, Nationwide stands out because of its high affordability score and competitive premiums. However, choosing cheaper options for home insurance often means picking lower coverage. This can save costs but might not be enough if a serious event occurs. In situations where keeping premiums low is important, exploring the cheapest homeowner insurance companies could help.
The best cheap insurance options might differ from the most affordable by offering a better balance between cost and coverage attributes. Nationwide effectively balances price and service.
Nationwide is the best cheap company, with a high MoneyGeek score, thanks to its affordability and coverage. It offers comprehensive home insurance with cyber event/ID theft and scheduled personal property coverages. You can save with discounts like bundle, which lowers costs when you combine home and auto insurance. Nationwide also offers a protective device discount for homes with smoke detectors.
Nationwide provides useful coverages like service line protection, which helps if underground lines get damaged. Equipment breakdown coverage is great for fixing broken appliances. Building ordinance or law coverage helps rebuild homes according to current codes after damage. These coverages make Nationwide a smart choice.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 21, 2024
Many factors, including location, affect homeowners insurance in Lehigh Acres. To save money, compare rates from at least three companies, which might take over an hour. Using MoneyGeek's home insurance calculator, you can save time and focus on key factors. Enter details like your age, dwelling coverage, credit score, deductible and liability coverage for an estimate.
MoneyGeek found that Nationwide offers the best affordable home insurance in Lehigh Acres, Florida. The key component that affects home insurance premiums is the dwelling coverage you select.
Nationwide stands out in Lehigh Acres, Florida, for its cost of $935 per year and a high MoneyGeek score of 96 for $100K dwelling coverage. It is also the cheapest option for $200K coverage. State Farm offers a competitive cost for $500K coverage.
Buying the cheapest homeowners insurance in Florida can aid in financial management by keeping more money in your pocket.
| Nationwide | $935 |
| State Farm | $1,202 |
| ASI | $1,821 |
| Florida Peninsula Insurance | $2,091 |
| Heritage Insurance | $2,411 |
| Allstate | $2,703 |
| Chubb | $3,806 |
| Universal Property | $6,546 |
State Farm offers the cheapest insurance for high-value homes in Lehigh Acres, Florida. High dwelling coverage is crucial for costly homes, as home insurance costs can increase with the replacement cost.
State Farm stands out for its affordability in Lehigh Acres. According to MoneyGeek, it is also the best due to the overall evaluation.
| State Farm | $5,274 |
| Nationwide | $5,851 |
| ASI | $10,840 |
| Allstate | $17,016 |
| Florida Peninsula Insurance | $17,052 |
| Heritage Insurance | $19,369 |
| Chubb | $28,007 |
| Universal Property | $34,475 |
In Lehigh Acres, Florida, State Farm is the best option for home insurance for new homes with a $100,000 dwelling coverage.
State Farm's affordable rate makes it the top choice for new homes in Lehigh Acres, Florida. While it offers the lowest cost, it may not always align as the top-rated choice by other metrics.
It's important to ensure you are also adequately covered.
| State Farm | $473 |
| Nationwide | $477 |
| ASI | $671 |
| Allstate | $1,068 |
| Heritage Insurance | $1,168 |
| Florida Peninsula Insurance | $1,347 |
| Chubb | $2,533 |
| Universal Property | $3,129 |
The best affordable homeowners insurance providers balance quality and cost by offering great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Lehigh Acres depends on your needs, so consider factors beyond premiums. Key factors include coverage options, customer service and company reputation. Follow these steps to get the best cheap home insurance:
To determine how much home insurance coverage you need, consider the rebuilding costs, personal property value and liability needs specific to your home in Lehigh Acres, Florida.
Research insurance companies operating in Lehigh Acres, Florida. Look for those with good financial stability, positive customer reviews and a history of quality service.
Once you know your coverage requirements, compare home insurance quotes. In Lehigh Acres, Florida, premiums for $100K dwelling coverage range from $935 with Nationwide to $6,546 with Universal Property.
Inquire about any discounts available, such as those for bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can lower your premium. Ensure it's an amount you can afford in case of a claim.
Enhancing your home's security with alarm systems and strong locks can reduce your insurance costs by lowering the risk profile.
A good credit score can affect your insurance rates in Lehigh Acres, Florida. To maintain good credit, pay bills on time and keep debt low.
Consider combining your homeowners insurance with other policies, like auto insurance, to potentially receive discounts.
The best cheap home insurance provider for you in Lehigh Acres depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Lehigh Acres, Florida.
The average cost of home insurance in Lehigh Acres, Florida, is $2,001.
Nationwide is the cheapest home insurance company in Lehigh Acres, Florida, with an annual premium of $935.
The best home insurance in Florida for Lehigh Acres residents is provided by Nationwide, with a MoneyGeek score of 93 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
