Independent agency · Proudly serving all of FloridaCustomer service (888) 861-0080
CallGet a quote now
Menu
Draft · pending agent review

Insurance in Southwest Florida

Marshall Insurance Group helps families and businesses across Southwest Florida, from Sarasota and Punta Gorda to Fort Myers, Cape Coral and Naples, compare home, flood, auto and business insurance from multiple carriers. After Hurricane Ian in 2022 and Hurricane Milton in 2024, the right flood and wind coverage matters here as much as anywhere in the state.

Get a free quote →Call (888) 861-0080

What insurance risks do Southwest Florida homeowners face?

Storm surge is the biggest one. When Hurricane Ian made landfall at Cayo Costa on September 28, 2022, as a strong Category 4 storm with 150 mph winds, it pushed 10 to 15 feet of water over the ground on Sanibel and Fort Myers Beach, and 6 to 9 feet from Naples to Marco Island. Homeowners policies don’t cover that water. Only a separate flood insurance policy does.

Flooding reaches inland too. Ian’s rain swelled the Myakka River enough to close part of Interstate 75 in southern Sarasota County. Flood coverage is worth considering well beyond the coast, and most new flood policies take 30 days to start, so it’s best not to wait until a storm is forecast.

Wind is a fact of life here. Southwest Florida has taken direct hits again and again. Hurricane Charley came ashore near Cayo Costa in August 2004 as a Category 4 storm, then tore through Punta Gorda and Port Charlotte. In October 2024, Hurricane Milton made landfall at Siesta Key in Sarasota County. Your roof, your wind mitigation features and your hurricane deductible all shape what you pay for wind coverage.

Why compare carriers in Southwest Florida?

After several major storms, some insurers limit how many homes they write on this coast, and some homeowners have received nonrenewal letters or ended up with Citizens. As an independent agency, Marshall Insurance Group isn’t tied to one company. We compare multiple carriers at once to find the ones still writing in your area. If you’ve been dropped, our guide on what to do when your insurance company drops you walks through your options, and our guide to alternatives to Citizens explains how to move back to a private carrier.

Coverage we offer in Southwest Florida

Counties and cities we serve in Southwest Florida

We serve all 9 counties in Southwest Florida and every city, town and village in them, plus the communities in between.

  • Sarasota County

    Longboat Key, North Port, Sarasota, Venice

  • Charlotte County

    Punta Gorda

  • Lee County

    Bonita Springs, Cape Coral, Estero, Fort Myers, Fort Myers Beach, Sanibel

  • Collier County

    Everglades City, Marco Island, Naples

  • DeSoto County

    Arcadia

  • Hardee County

    Bowling Green, Wauchula, Zolfo Springs

  • Highlands County

    Avon Park, Lake Placid, Sebring

  • Glades County

    Moore Haven

  • Hendry County

    Clewiston, LaBelle

Common questions

Does homeowners insurance cover storm surge in Southwest Florida?

No. Storm surge is flooding, and standard Florida homeowners policies don't cover flood, even when a hurricane causes it. Surge damage needs a separate flood insurance policy from the National Flood Insurance Program or a private flood insurer. Wind damage from the same storm is usually covered by your homeowners policy, after your hurricane deductible.

Do I need flood insurance if I live inland?

It's worth serious consideration. During Hurricane Ian, the Myakka River flooded badly enough to close part of Interstate 75 in southern Sarasota County, miles from the beach. Most new flood policies take 30 days to start, and most Citizens policyholders must carry flood coverage by January 1, 2027, so it's best to buy well before a storm is on the way.

What is a hurricane deductible?

It's a separate, usually larger deductible that applies to hurricane damage instead of your regular deductible. In Florida, insurers must generally offer hurricane deductibles of $500, 2%, 5% or 10% of your dwelling coverage. On a coastal Southwest Florida home, the difference between 2% and 10% can be thousands of dollars, so it's worth comparing before you choose.

Do you serve Naples, Fort Myers and Sarasota?

Yes. Marshall Insurance Group serves all of Southwest Florida, including Sarasota, Charlotte, Lee, Collier, DeSoto, Hardee, Highlands, Glades and Hendry counties. You can request a quote online or call us to compare home, flood, auto and business coverage from multiple carriers.

Sources

Call (888) 861-0080