Homeowners Insurance in Fort Myers, FL & Cape Coral, FL
For over 30 years, Wilcox Family Insurance has been helping homeowners in Fort Myers and Cape Coral. Protect Your Home With Coverage Built for Florida Living
Owning a home in Southwest Florida comes with unique risks. Wilcox Family Insurance helps homeowners in Fort Myers and Cape Coral find reliable, affordable coverage designed to protect what matters most — your home, belongings, and peace of mind.
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Why Homeowners Insurance Matters in Southwest Florida
Florida homeowners face challenges that many other states don’t — including hurricanes, severe storms, and flood risks resulting in large premium shifts. Wilcox Family Insurance represents most of the carriers writing Homeowners Insurance in Florida. We understand the local landscape and help you. Having the right homeowners insurance isn’t just smart; it’s essential for protecting your investment. We can usually find you the most coverage and the best price.
At Wilcox Family Insurance, we understand the local landscape and help you secure coverage that aligns with both your personal needs and Florida-specific risks.
What Is Homeowners Insurance?
Homeowners insurance helps financially protect your home, personal belongings, and liability in the event of unexpected damage or loss.
A properly structured policy can help:
- Cover repairs or rebuilding after covered damage
- Replace personal belongings if they’re damaged or stolen
- Provide liability protection if someone is injured on your property
- Help with temporary living expenses if your home becomes uninhabitable
With the right coverage in place, you can focus on enjoying your home — not worrying about what could go wrong.
Understanding Local Risks in Fort Myers & Cape Coral, FL
Living in Fort Myers and Cape Coral means preparing for:
- Hurricanes and tropical storms
- Wind and storm-related damage
- Flood exposure in low-lying or coastal areas
Standard homeowners insurance policies typically do not include flood or hurricane coverage, which is why working with a local agency matters. Wilcox Family Insurance helps identify coverage gaps and recommend additional policies when needed to better protect your home and property.
Common Coverages Included in Home Insurance
Most homeowners insurance policies include several essential coverage types:
- Dwelling coverage: Helps repair or rebuild your home if it’s damaged by covered events such as fire or windstorms.
- Personal property coverage: May help replace belongings like furniture, clothing, and electronics if they’re stolen or damaged.
- Personal liability protection: Provides financial protection if someone is injured on your property and you’re found responsible.
- Additional living expenses coverage: Helps cover temporary housing and living costs if your home is uninhabitable due to a covered loss.
What Affects Homeowners Insurance Costs in Florida?
Home insurance premiums in Fort Myers and Cape Coral are influenced by several factors, including:
- Location and proximity to water
- Age and construction of the home
- Roofing materials and wind mitigation features
- Coverage limits and deductibles
- Local weather and storm risk
Choosing the right deductible and coverage levels can help balance protection and affordability.
Available Homeowners Insurance Discounts
Many homeowners may qualify for discounts that help lower premium costs, such as:
- Bundling home and auto insurance
- Installing security or alarm systems
- Wind mitigation and hurricane-resistant upgrades
- Maintaining a claims-free history
Our team will review available discounts to help you get the most value from your policy.
Understanding Policy Exclusions, Screen enclosures & Cage coverage
Not all risks are covered under a standard homeowners policy. Common exclusions may include:
- Flood damage
- Certain hurricane-related losses
- Wear and tear or maintenance-related issues
Wilcox Family Insurance takes the time to explain what’s covered — and what’s not — so you can make informed decisions and avoid surprises when it matters most.
Get Homeowners Insurance You Can Trust
Wilcox Family Insurance proudly serves homeowners in Fort Myers and Cape Coral, FL. Our local expertise and personalized approach help ensure you get coverage that fits your home, lifestyle, and budget.