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Lehigh Acres Homeowners Insurance

Take care of your Lehigh Acres home by learning about all your options for homeowner's insurance coverage

Goodlad & Swank has partnered with top-rated, affordable insurance companies writing homeowners insurance coverage in Lehigh Acres, Florida

We insure Naples, Fort Myers, Cape Coral, Sarasota,  and other South West Florida areas for a primary home. We are committed to providing transparency when quoting your rental insurance and can explain the differences in companies and coverage so that you can make an educated decision. You will get the coverage you need at a price that fits your budget.

Policies built for Lehigh Acres

Lehigh Acres is rapidly growing and is one of Southwest Florida’s most buildable cities. As a Lehigh homeowner, your home is precious to you, and that is why we encourage you to learn and consider all options for your homeowner’s insurance. Our team with over 55 years of experience specializes in protecting Lehigh homeowners. We have helped thousands of clients, and we want to make insuring your Lehigh home a worthwhile and positive experience.

What your policy covers:

Dwelling Coverage | Covers damage from fire, storms, or other circumstances. 

Other Structures | Covers other structures on the property such as a detached garage, playground set, patio or deck, or storage building like a shed.

Personal Property | Covers losses of your personal items and contents of your home.

Additional Living Expenses | Provides cash for relocation if your home is destroyed or if it is unlivable during repairs.

Personal Liability | Coverage in the event that someone gets injured on your property, or if your property is damaged through your fault.

Medical Payments | Covers the cost of medical bills, ambulances, surgical expenses, and more if someone visits your home and gets hurt.

Why does homeowners insurance seem so expensive?

While homes are more affordable in Lehigh Acres, Florida homeowners know how expensive insurance can be. But why is homeowner’s insurance so expensive in Florida? This is due to a few things. Our tropical weather, while amazing, leaves us more prone to being hit by hurricanes, while other states do not carry as much of a risk.

There are also a few reasons why premiums are rising nationwide. The continuous supply chain disruptions for building materials such as lumber have driven the cost of repairs and rebuilds up nationally, and Florida is no exception. There is also an increasing number of insurance fraud cases each year, so the losses and legal costs are being passed on to customers.

How much does it cost?

Florida’s average cost of homeowner’s insurance in Florida is around $1,405 annually or $118 monthly as of 2022. Compared to the rest of the country, Florida homeowners pay around 5% more in premiums per year. Of course, these numbers will vary depending on a number of factors.

A major part of calculating the monthly or annual cost of homeowner’s insurance depends on your deductible. The higher your deductible, the lower your premium and vice versa. The most common deductible tier is $500 or $1,000 but oftentimes you can save on your premium by making a small leap in your deductible.

The replacement cost of your house, the age of your house, the age of your roof, and the location of your house are all also major components that are used to calculate pricing.

We work with almost every home insurer in Florida, so we are able to shop around and compare coverages depending on your needs, allowing us to offer you some of the best homeowners insurance rates in Lehigh.

What we cover:

Dwelling Coverage

Provides funds to replace or repair the structure when damage is caused due to a covered peril.

Replacement Cost

This will replace your personal belongings with   like kind and quality

Actual Cash Value

Replacement cost less depreciation.

Medical Expense

May pay for non-residents injuries that you are legally responsible for.

Loss of Use

This coverage can provide financial assistance to you while your home is being repaired and is unlivable as a result of a covered loss.

Personal Liability

May protect you, your spouse, and resident relatives under age 21 for claims you’re legally obligated to pay resulting from things such as injury, sickness, disease, and death. The coverage may also include the cost of defending claims against you.

Facts and Information About Lehigh Acres


Lehigh Acres was developed in the mid-1950s by a Chicago businessman named Lee Ratner had a successful pest control business and had Ratner heard that cattle was a good investment. So he bought 18,000 acres of land in eastern Lee County and named it the Lucky Lee Ranch. After ranching for a while, and despite having no prior development experience, Ratner joined with Gerald H. Gould, a Florida advertising executive, Manuel Riskin, a Chicago CPA, and Edward Shapiro, a former Chicagoan. The latter was in the real estate business in California and began land sales at Lehigh Acres.

Gerald Gould was the president of the corporation that developed Lehigh Acres, which began in 1954. He remained as president until the company was sold in 1972. >Since the days of the Lucky Lee Ranch, the boundaries of Lehigh Acres have stretched to cover 61,000 acres, including the runways of the former Buckingham Army Air Force training base that was closed at the end of World War II. The pasture land where Ratner’s cattle roamed and the since broken up runways where military flight crews trained has was divided into 152,000 ¼ acre and ½ acre lots for housing, along over 1,400 miles of roads. Parcels of land along major thoroughfares, such as Homestead Road and Lee Boulevard, were set aside for commerce. In 1997, nearly 90% of Lehigh Acres’ lots remained vacant.

In 1992, Lee County, with the cooperation of a new developer, declared Lehigh Acres to be blighted and authorized its Community Redevelopment Agency to take steps towards improving infrastructure and planning elements neglected by the original developer. It was estimated that nearly $11 million would be needed to repave the development’s roads.

A surge in housing prices led to a boom in Lehigh Acres’s new-housing construction from 2003 to 2007, peaking at more than 7,500 new homes constructed in 2006. The number of homes built during this period exceeded the total number built during the preceding 50 years.

But as in much of the United States, the real estate boom eventually went bust. The median house price in the Lehigh Acres area peaked in late 2005 at $322,300. Three years later, it had plummeted to $106,900. A reliance on construction jobs no longer available pushed the unemployment rate in the area of Lehigh Acres and Lehigh Acres to 14% by the summer of 2009. Property values reached a low in 2008 of $106,900. By late 2014, property values averaged $169,200. The property insurers in Florida viewed Lehigh Acres with a microscope from that point forward due to the extensive losses caused by abandoned and derelict homes.

From 2014 to the present, Lehigh Acres slowly improved its economy and its reach throughout southwest Florida. What was a small, sleepy town in 2000 has now become a 130,000 person thriving community. People all over Florida and the US have flocked here because of the friendly nature of the population and the incredible amount of opportunity. Thousands of new local businesses have opened over the years, and there is accelerating growth of development from national chains anxious to share in our growth.

Lehigh Acres started as a gigantic pasture and has since transformed into one of the fastest-growing communities in the United States. Pretty cool!

Credit to the website for sharing a good amount of this information. Other bits are credited to my brain because I have lived here for 16 year


Call us for all your home insurance needs. Goodland & Swank wants to make sure you are prepared for any situation and that everything you care about is covered, including your home, personal property, car, and more.

Committed to
Serving Our Customers

Goodlad & Swank Insurance is a family-owned insurance agency founded in 2009. We’ve built a team of knowledgeable professionals that value integrity, caring for our clients, and offering you superior service.

We’ve partnered with one of the largest selections of carriers in all of Florida making it easy for you to have a one-stop-shop for all your insurance needs.

An unforeseen event coupled with inadequate insurance can quickly result in financial trouble. We recognize that addressing insurance may not be your idea of fun, but our goal is to make the process as enjoyable as possible. In the end, you may just find yourself letting us know what the grandkids are up to or how the honeymoon went. Get to know us, you’ll be happy you did. 


Our Services

Homeowners Insurance

You can access the top-rated insurance companies in Florida for primary and second homes, condos, and the property you rent to others.

Auto Insurance

You benefit because we’ve partnered with some of the largest, most-respected auto insurance carriers in the industry to provide coverage for cars, motorcycles, motor homes, and recreational vehicles.

Business Insurance

Your business is growing your business. Our business is working to guard you against the risks you face every day. Find out how to protect your business.

Condo Insurance

We work with premium carriers and brokers to offer a full suite of insurance options for residential condominium associations across Southwest Florida.

Flood Insurance

Get protected. Goodlad & Swank offers coverage through the National Flood Insurance Program as well as private flood insurance carriers.

Life Insurance

Protect your legacy. Whether life insurance is for your family or your business we can help you find the right policy at the best possible price.

Satisfied clients

Have been working with Goodlad & Swank agency for five years. Have always been very helpful!

Daniella W.

This is an amazing company to do business with. I have several properties and slowly I have changed all properties to be with Goodlad & Swank Insurance.

Ody O.

Great services. I have been using them for several years now. Thanks team!

Steve C.

Competitive rates and excellent service. Really nice folks to do business with. Highly recommend!

Mike H.

Fast, courteous, professional service with comparable rates. What else do you need?

Len M.

Had one of the best experience ever at this insurance company. You feel like family and everyone here is friendly.

Moises M.

I had a great experience with this Company! I highly recommend! Mary Beck was very helpful, very professional and very quick to respond to my emails.

Tina C.

Have been working with Goodlad & Swank agency for five years. Have always been very helpful and have given us good options to choose from.

Daniella W.

I had some issues with my previous home owners insurance company. David at Goodlad & Swank went above and beyond to try to help me out.

Chandace S.

Excellent customer service, extremely knowledgeable of all insurance needs. I highly recommend this company!

Robin Y.

Went out of their way to be professional and helpful. Would highly recommend this agency.

Carmen C.

Join our many, happy customers!

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