Question 1

Do I need flood insurance if I'm not in a flood zone in Estero?

Accepted Answer

Even if you're not in a high-risk FEMA flood zone, flood insurance is worth considering in Estero. Hurricanes Helene and Milton showed that storm surge and heavy rainfall can cause flooding in areas that have never flooded before. Moderate-risk X zones can still experience flood damage, and a policy typically costs around $700 per year. Standard homeowners insurance excludes flood damage entirely, so this is a separate policy you'll need to purchase.

Question 2

What happens to my Florida auto insurance when the law changes in July 2026?

Accepted Answer

On July 1, 2026, Florida eliminates its 50-year-old no-fault system. You'll no longer need PIP coverage, but you will be required to carry bodily injury liability of at least $25,000 per person and $50,000 per accident, plus $5,000 in medical payments coverage. This shifts financial responsibility for injuries to the at-fault driver, so if you only carry the minimum and cause a serious accident, you could be personally liable for costs beyond your policy limits. Most agents recommend much higher limits, like $100,000/$300,000.

Question 3

How much does homeowners insurance cost in Estero?

Accepted Answer

As of early 2025, the average homeowners insurance premium in Lee County is around $3,631 per year. Estero homes built after 2002 with wind mitigation features like impact windows and reinforced roofs often see better rates. You can lower your premium by taking advantage of the My Safe Florida Home program, which provides grants up to $10,000 for hurricane-resistant upgrades that can reduce your insurance costs by 20% or more.

Question 4

What's the difference between wind damage and flood damage on my homeowners policy?

Accepted Answer

Your homeowners policy covers wind damage from hurricanes, including damage to your roof, windows, and structure caused by high winds. However, it does not cover flood damage, which includes water that enters your home from storm surge, heavy rainfall, or rising water levels. Flood damage requires a separate flood insurance policy through the National Flood Insurance Program or a private insurer. This distinction catches many homeowners by surprise after a hurricane.

Question 5

Should I work with a local Estero insurance agent or buy online?

Accepted Answer

Local independent agents in Estero offer significant advantages over online platforms. They work with multiple insurance carriers and can shop rates for you, plus they understand Lee County's specific risks like flood zones, hurricane deductibles, and wind mitigation credits. When hurricane season hits and you need to file a claim quickly, having a local agent who knows your situation and can advocate for you makes a real difference. Estero has five independent agencies that serve the community.

Question 6

What insurance do I need if I'm retiring to Estero?

Accepted Answer

Nearly half of Estero residents are 65 or older, so Medicare-related coverage is crucial. When you turn 65, you'll need to decide between Original Medicare with a Medigap supplement or a Medicare Advantage plan. Both cover hospital and medical care, but Medigap offers more flexibility while Medicare Advantage often bundles prescription drugs, dental, and vision. You should also consider final expense insurance to cover funeral and burial costs without burdening your family, and possibly long-term care insurance if you don't have substantial savings set aside.

Insurance Agents in Estero, Florida (FL)

Insurance agencies serving Estero

Brightway Insurance

Coastline Insurance Group, Inc.

Insurance Agents in Estero, Florida (FL)

Insurance agencies serving Estero

Brightway Insurance

Coastline Insurance Group, Inc.

Lane Insurance Group

Mapps Insurance, LLC

The Ordman Elite Group Inc

Insurance Guides for Estero

Insurance in Estero, Florida: Your Complete Guide

Home Insurance in Estero, Florida

Auto Insurance in Estero, Florida

Frequently asked questions