A & E Insurance Group
28441 S Tamiami Trail, Suite 109, Bonita Springs, FL 34134
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28441 S Tamiami Trail, Suite 109, Bonita Springs, FL 34134
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10911 Bonita Beach Rd SE, STE 1041, Bonita Springs, FL 34135
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27499 Riverview Center Blvd, Suite 134, Bonita Springs, FL 34134
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27599 Riverview Center Blvd, #100, Bonita Springs, FL 34134
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12326 Isabella Drive, Bonita Springs, FL 34135
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26721 Dublin Woods Cir, Suite 2, Bonita Springs, FL 34135
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24410 Rodas Dr, Bonita Springs, FL 34135
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24830 S. Tamiami Trail, Unit 2800, Bonita Springs, FL 34134
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9148 Bonita Springs Beach Rd, Ste 202, Bonita Springs, FL 34135
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Learn about insurance coverage options specific to Bonita Springs residents.
Bonita Springs homeowners pay $10k-$12k yearly for insurance. Learn about flood zones, hurricane coverage, and how to save on waterfront property protection.
General Insurance EducationComplete insurance guide for Bonita Springs residents. Learn about Florida's auto requirements, homeowners costs, flood zones, and hurricane coverage.
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Bonita Springs homeowners typically pay between $10,000 and $12,000 annually for home insurance, with waterfront properties often exceeding this range. This is significantly higher than the national average due to extreme hurricane exposure, flood risk, and the overall volatility of Florida's insurance market. Premiums have increased approximately 30% since 2021 following major hurricanes like Ian.
Yes, flood insurance is essential for most Bonita Springs homeowners. Standard homeowners policies exclude flood damage entirely, even flood caused by hurricanes. Properties near the Imperial River and along Bonita Beach are in FEMA flood zones AE or VE, making flood insurance mandatory if you have a mortgage. Bonita Springs offers a 25% NFIP discount through its Community Rating System participation.
Hurricane deductibles in Bonita Springs are typically separate from your standard deductible and range from 2% to 5% of your home's insured value. On a $500,000 home, that means you could pay $10,000 to $25,000 out-of-pocket before your insurance coverage kicks in after a hurricane. Always verify your specific hurricane deductible percentage when reviewing or purchasing a policy.
Most HO-3 policies in Bonita Springs include wind and hurricane coverage as part of the standard package. However, this coverage comes with a higher separate deductible specifically for named storms. You should always verify that wind coverage is included in your policy and understand the deductible structure, as some policies may have exclusions or limitations.
You can determine your property's flood zone by checking the FEMA Map Service Center online or contacting the City of Bonita Springs Community Development Department. Much of the land around the Imperial River and all Bonita Beach properties are in Special Flood Hazard Areas designated as zones AE or VE (100-year flood zones), while some inland areas fall into the lower-risk 500-year zone (0.2% annual chance flood zone).
The most effective way to reduce premiums is investing in hurricane mitigation upgrades like impact-resistant windows, roof reinforcements, and hurricane shutters—these can save up to 40% on premiums. Also shop multiple insurers annually, maintain your home properly, increase your deductible if financially feasible, and ensure you're receiving all applicable discounts including the 25% NFIP flood insurance discount available through Bonita Springs' Community Rating System.
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