Naples Insurance Agency
Luxury Home, Auto, Flood & Business Insurance in Southwest Florida
High-value property specialists protecting Naples since 1994
Naples Insurance: Protecting Florida's Luxury Market
Naples has Florida's highest median home values and one of the nation's most affluent communities. Insurance requirements are unique.
Highest Home Values in Florida
Naples' median home value exceeds $600,000 — highest in Florida. Luxury waterfront estates on Port Royal, Aqualane Shores, and Park Shore range from $2 million to $50+ million. Standard homeowners insurance caps at $500,000-$750,000 dwelling coverage — nowhere near enough. High-value homes require specialized coverage with agreed value policies and higher liability limits.
Hurricane Ian's Impact (2022)
Hurricane Ian made landfall south of Naples in September 2022 as a Category 4+ storm. Naples avoided the worst of the storm surge, but wind damage was extensive. The insurance market changed overnight — carriers tightened underwriting, premiums increased 20-50%, and hurricane deductibles rose from 2-5% to 5-10%.
Gulf Coast Hurricane & Storm Surge Risk
Naples sits on the Gulf of Mexico with direct hurricane exposure. Storm surge, wind damage, and erosion threaten waterfront properties. Hurricane deductibles of 5-10% mean Naples homeowners pay $50,000-$500,000+ out-of-pocket on luxury homes before insurance pays. This is the new reality post-Ian.
Waterfront & Golf Course Properties
Naples is defined by waterfront estates (Gulf, bays, canals) and luxury golf communities. Waterfront properties face higher premiums due to flood and storm surge exposure. Golf course homes get discounts for lower hurricane risk. Location within Naples dramatically affects insurance costs.
Fine Art, Jewelry & Collections
Naples' affluent residents own significant art collections, jewelry, wine cellars, and luxury assets. Standard homeowners policies cap personal property coverage at $100,000-$250,000. Scheduled personal property endorsements with agreed value appraisals protect high-value collections (jewelry, art, collectibles).
Seasonal Residents & Vacant Homes
Naples has a large seasonal and snowbird population. Vacant home insurance, seasonal occupancy endorsements, and property management coverage are common. Carriers often charge 10-30% surcharges for homes vacant more than 60 days per year. Proper coverage for unoccupied homes is critical.
Why Naples Residents Choose Greene & Associates
Luxury Home Specialists
Naples has Florida's highest median home values. We specialize in high-value coverage with agreed value policies and premium carrier access.
Gulf Coast Expertise
We understand Naples' unique insurance needs — waterfront estates, golf course communities, and barrier island hurricane exposure.
Independent Agency Advantage
We represent 20+ carriers including premium carriers for luxury homes. Multiple options mean better coverage and competitive rates.
Personal Insurance for Naples Homeowners
Protecting Naples' luxury homes, waterfront estates, and art collections requires specialized high-value coverage.
Homeowners Insurance
Naples homeowners insurance costs $5,000-$20,000/year depending on property value, location, and construction. Waterfront estates (Port Royal, Aqualane Shores, Park Shore) pay the highest premiums. Hurricane deductibles of 5-10% can mean $100,000-$500,000 out-of-pocket on multi-million dollar homes.
High-value homes: Standard policies cap at $500,000-$750,000 dwelling coverage. Naples homes valued over $1 million need specialized high-value coverage with agreed value policies (no depreciation), higher liability limits ($5-10 million), and coverage for fine art, jewelry, and collectibles.
Premium carriers: We work with Chubb, AIG Private Client, PURE, and other premium carriers that specialize in luxury homes. These carriers offer better coverage, higher limits, and concierge claims service for high-net-worth clients.
Flood Insurance
Naples waterfront properties REQUIRE flood insurance. Gulf-front, bay-front, and canal properties are in FEMA high-risk zones (V, VE, AE). If you have a mortgage, flood insurance is mandatory. Even inland Naples properties should consider flood coverage due to storm surge and rainfall flooding.
NFIP vs private flood: NFIP caps at $250,000 dwelling coverage — not enough for Naples luxury homes. Private flood insurance offers coverage up to $5-10 million for high-value properties. We quote both and recommend private flood for homes over $1 million.
Cost: Naples flood insurance costs $2,000-$10,000/year depending on zone, elevation, and coverage limits. Gulf-front and bay-front properties (Zone V, VE) are the most expensive.
Auto Insurance
Naples auto insurance costs $2,200-$3,500/year on average. US-41 (Tamiami Trail), I-75, and Collier Boulevard traffic create accident risks. Tourist season and snowbird traffic increase collision rates.
Luxury & exotic vehicles: Naples has one of the highest concentrations of luxury, exotic, and classic vehicles in Florida. Specialized auto insurance with agreed value coverage protects Ferraris, Bentleys, Porsches, and collectibles. We work with premium carriers that understand high-value vehicles.
Uninsured motorist coverage: Florida has high uninsured driver rates. UM coverage protects you if an uninsured driver causes an accident.
Umbrella Insurance
Naples' high net worth residents need umbrella insurance to protect assets beyond standard liability limits. Umbrella insurance adds $5-25 million in coverage for $500-$3,000/year. One lawsuit from a pool accident, boat incident, or car crash can wipe out decades of wealth. Umbrella insurance is essential asset protection for Naples residents.
Who needs it: Anyone with waterfront property, boats, multiple luxury vehicles, rental properties, or net worth over $2 million.
Business Insurance for Naples Companies
From 5th Avenue retailers to Naples medical practices to contractors, we protect Southwest Florida businesses.
General Liability
Protects Naples businesses from customer injuries, property damage claims, and lawsuits. Required by commercial leases. Starting at $500-$1,500/year.
Workers Compensation
Required in Florida if you have employees. Naples contractors, restaurants, and medical practices must carry workers comp. We find competitive rates.
Commercial Property
Protects your building, equipment, and inventory from fire, wind, theft. Naples businesses need hurricane AND flood coverage.
Business Owners Policy (BOP)
Combines general liability, commercial property, and business interruption. Ideal for Naples retail, offices, galleries, and restaurants.
Professional Liability (E&O)
Naples' medical, legal, and financial professionals need errors & omissions coverage. Protects against malpractice and negligence claims. Starting at $1,500-$10,000/year.
Cyber Liability
Naples businesses that collect customer payment info need cyber insurance. Covers data breaches and ransomware. Starting at $500-$2,000/year.
Insurance by Industry in Naples
We specialize in insurance for Naples' key industries.
Naples & Collier County Areas We Serve
Greene & Associates Insurance serves homeowners and businesses across Southwest Florida.
Downtown Naples
5th Avenue South
Port Royal
Luxury waterfront estates
Aqualane Shores
Historic waterfront
Park Shore
Beach access
Pelican Bay
Master community
Naples Park
North Naples
Marco Island
Barrier island
Bonita Springs
North Collier
Carriers We Represent in Naples
Access to 20+ carriers including Chubb, AIG, and PURE for luxury homes.
Trusted Carriers We Represent
Naples Insurance FAQ
How much does homeowners insurance cost in Naples?
Naples homeowners insurance costs $5,000-$20,000/year depending on property value, location, and construction. Waterfront estates pay the highest premiums due to hurricane and flood exposure. Inland golf course properties pay less but still face Gulf Coast hurricane risk.
Do I need flood insurance in Naples?
YES, especially if you own waterfront property (Gulf, bay, canal). These areas are in FEMA high-risk flood zones. If you have a mortgage, flood insurance is required. Even inland Naples properties should consider flood coverage due to storm surge and heavy rainfall risks.
How do I insure a luxury home in Naples?
Homes valued over $2 million need specialized high-value coverage beyond standard policies. We work with premium carriers (Chubb, AIG Private Client, PURE) that offer agreed value policies, higher liability limits ($5-25 million), and coverage for fine art, jewelry, wine cellars, and collectibles. Expect to pay $10,000-$30,000+/year for luxury waterfront estates.
Get a Naples Insurance Quote Today
Naples' luxury homes and high-value properties require specialized insurance expertise. Let us shop 20+ carriers — including premium carriers for high-net-worth clients — to protect your assets properly.
Serving Naples, Port Royal, Park Shore, Pelican Bay, Marco Island, Bonita Springs, and all of Collier County