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Naples Homeowners Insurance

Learn about all your homeowner's insurance options. to make sure you get the best coverage for your Naples home.

Goodlad & Swank has partnered with top-rated, affordable insurance companies writing homeowners insurance coverage in Naples, 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.

What does Naples homeowners insurance cover?

With around 90% of Naples consisting of homeowners (as opposed to renters), the homeowner’s insurance market is fierce. But how do you know what’s covered, what’s the difference between policies? We encourage you to learn and consider all options for your homeowners insurance. Our dedicated team has over 55 years of experience helping homeowners in Naples and all of Southwest Florida. Goodlad & Swank has helped thousands of clients insure their homes while making it a pleasant and worthwhile 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.

This may seem like it would cover pretty much everything you would need to cover, but there are some exclusions to your Naples homeowners insurance policy that you might not be aware of. For instance, did you know that flood insurance isn’t included in a standard policy? This is important to know if your home is located in a flood zone. Some weather conditions, pets, and utilities are also considerations that may be excluded from your policy. It’s possible to get coverage for pretty much anything on your property (or in it), you just need to ensure the coverage is included in your policy. It’s a real hassle when you realize you’re not covered as you’re filing a claim.

Why does a homeowners insurance policy seem so expensive?

Home insurance in Naples can be expensive. But why is home insurance more expensive in Florida? Homes that are located along the Gulf Coast are already more expensive due to their proximity to the beach and the overall temperate climate year-round, but that same tropical weather that drew you to Naples is exactly the reason why Florida home insurance policies are pricier than the same coverage would be in other states. In 2021 alone, our state was hit by seven hurricanes, including four major ones. Repair and replacement payouts can get expensive especially since many regulations require that damaged homes are rebuilt to higher safety standards than before.

There are a few reasons why premiums are rising nationwide as well. The supply chain disruptions for materials such as lumber have continued to interrupt construction and repairs, and the costs are driven up as builders compete to claim the limited materials. The increased insurance fraud cases each year have also contributed to enough losses and legal costs to the point where insurance providers must drive up their overall prices for their customers.

What will it cost to insure my home in Naples?

The price of Naples home insurance depends on a variety of factors. The replacement cost of your house, the age of your house, the age of your roof, and the location of your house are significant components used to calculate pricing. 

Calculating the monthly/annual cost of homeowner’s insurance is largely dependent on your deductible. The higher the deductible, the lower the premium and the same goes the other direction as well. Most people select $500 or $1,000 as their deductible tier, but you can typically save on your premium by raising your deductible a step or two.

While pricing varies greatly, if you haven’t had homeowner’s insurance before, averages may be helpful to know on your home insurance journey. Home insurance for the average household in Florida is $118 per month or $1,405 per year as of 2022. Compared to the national average, Florida homeowners will pay around 5% more per year in premiums. Of course, these numbers will fluctuate depending on the factors outlined above.

Goodlad & Swank works with almost every homeowner’s insurance company in the state, so we can compare plans for you and provide you with the best Naples home insurance rates for the coverage that suits your needs.

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 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.

Learn More About Naples, Florida

Before the period of European colonization, the indigenous Calusa lived in Florida (including the region of present-day Naples) for thousands of years, from Charlotte Harbor to Cape Sable. In 1513, Spanish conquistador Juan Ponce de León explored the region and encountered the Calusa, who resisted attempts by de León to establish a Spanish colony in Florida. This initiated nearly two hundred years of conflict between the Spanish and the Calusa. In the early 18th century, following slave raids from Muscogee and Yamasee raiders allied with European settlers in Carolina, the majority of the remaining Calusa moved south and east to escape the raids.

The city of Naples was founded in 1886 by former Confederate general and Kentucky U.S. Senator John Stuart Williams and his partner, Louisville businessman Walter N. Haldeman, the publisher of the Louisville Courier-Journal. Throughout the 1870s and 1880s, magazine and newspaper stories telling of the area’s mild climate and abundant fish likened it to the sunny Italian peninsula. The name Naples caught on when promoters described the bay as “surpassing the bay in Naples, Italy“. By the summer of 1888, Naples had a population of about 80 people, and the first hotel opened in 1889. Major development was anticipated after Collier County was established in 1923, the completion of the railroad reaching Naples in 1927, and the completion of the Tamiami Trail linking Naples to Miami in 1928, but did not begin until after the 1929 Stock market crash, the Great Depression, and World War II. During the war the U.S. Army Air Forces built a small airfield and used it for training purposes; it is now the Naples Municipal Airport.

After a hurricane in 1945, fill was required to repair the damage. A local dredging company, Wyatt Brothers, created a lake north of 16th Avenue S, between Gordon Drive and Gulf Shore Boulevard. In 1949, Reginald Wyatt II asked Mr. Rust to sell him the 296 acres from Jamaica Channel to today’s 14th Avenue S. The Jamaica Channel was widened, one canal was dredged, and 14th Avenue S was created. Today, the Wyatt family is credited with the construction of Naples first beach. Additional channels were eventually added to the south of 14th Avenue S and are named alphabetically for local water birds. The first channel south of 14th Avenue S is Anhinga Channel, then Bittern Channel is south of 15th Avenue S, Crane Channel is south of 16th Avenue S, Duck Channel is south of 17th Avenue S, and Egret Channel is north of 21st Avenue S. From the channels there are coves named Flamingo, Gull, Heron, and Ibis, as well as the original Aqua Cove. These initial channels, canals, and coves were dredged and bulldozed from the mangrove swamps. Where shallow rock precluded digging, land was filled to create lots with navigable water.


The Aqualane Shores Association was incorporated as a non-profit corporation on February 3, 1966. It served lot owners in the area roughly bounded by the Bay of Naples to the east, Gordon Drive to the west, and the land between 14th Avenue and 21st Avenue S, as well as Marina Drive, Forrest Lane, and Southwinds Drive. Thirty years later, in 1996, a state-mandated city master plan renamed the area to the Aqualane Shores Neighborhood and extended its boundary west to the Gulf of Mexico, east to the Bay of Naples, and the area from 14th Avenue S all the way south to Jamaica Channel. The numerous canals and waterfront homes add a distinctive feature to the south portion of Naples and provide access to the Gulf of Mexico for many homeowners.

The economy of Naples is based largely on tourism and was historically based on real estate development and agriculture. Due to its proximity to the Everglades and Ten Thousand Islands, Naples is also popular among ecotourists.

Companies based in Naples include ACI Worldwide, Beasley Broadcast Group, and ASG Technologies, in addition to numerous small businesses. Due to the wealth present in Collier County, Naples is also home to many small non-profit organizations. The surrounding Naples metro area is also home to major private employers such as Fortune 1000 company Health Management Associates and technology company NewsBank.

In 2009, Naples placed 10th in a report by U.S. News & World Report titled “10 Pricey Cities That Pay Off.” The report ranked cities by its “amenity value,” a measurement based on the amount of satisfaction an asset brings to its owner. In 2012, a report by Kiplinger ranked Naples with the sixth-highest per capita income in the country, along with the second-highest proportion of millionaires per capita in the US.

Many thanks to for the cool information about Naples and its history. 

 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.

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