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Homeowner Insurance in Naples, FL
Keeping a watchful eye on the places you call home

Protection Despite Life’s Twists and Turns

A person’s house or apartment is effectively the center of their universe, both in good times as well as bad. Keep yours safe with homeowner’s insurance that fully protects it from life’s most expected -as well as unexpected- hazards. Then rest assured with the knowledge that your policy is there to support you and your family when worse comes to worst.

Affordable Coverage You Can Count On

From fixing small issues to having to rebuild most of your home, you want a policy that bridges the gap and reasonably safeguards your residence as well as your belongings in every situation. While most standard policies will cover you in the event of a recurring weather event or break in, some cheaper policies might cost you thousands more in out-of-pocket costs and fees due to significant coverage gaps you may not know you had.

That’s one of the biggest benefits of a custom homeowner’s insurance consultation. From dwelling and personal property coverage to liability insurance, we guarantee that we’ll find the best combined policy to fulfill all your home protection goals and keep your wallet happy.

Our Policy Recommendations Go Above and Beyond

We have over 40 years of experience insuring customers across Florida.

TYPES OF INSURABLE RESIDENCES

Since no two homes are alike, we recommend customizing your policy to the nature of your residence. The most common residences we help insure are:

Wood Frame, Brick, or Concrete Block Homes

Your location as well as home building materials can influence the price of homeowner’s insurance. On average, insurance for wood framed homes is higher than for brick or concrete block homes because the risk of termites or fire damage is lower.

Condos

Coverage that covers your residential unit and the belongings within its walls, but not the airspace or areas outside the apartment. The larger building and shared areas are covered under a master policy that is held by the condo/homeowner’s association.

Townhouses

Uniform and tall, multi-storied row-houses that might share external walls with other homeowners. Insurance for townhomes covers the property and outside areas that the owner has a title to, including yards and balconies.

Seasonal Homes

Homes that are unoccupied for a significant portion of the year because they are not the owner’s primary residence. Also known as secondary or vacation-homes.

Rental Homes

Properties that are not inhabited by their owners and rented out to tenants. Insurance for rental properties covers the unique hazards of renting out your property to other parties, such as theft or property damages.

Mobile, Manufactured Homes, and Modular

Factory-built homes. These usually require higher insurance costs because they are less resistant to weather events (such as floods or storms) and are at higher risk of vandalism or theft.

Houseboats

A boat that has been modified or designed to be a primary residence. Due to the many different builds and capabilities of houseboats, these may require single insurance coverage or a combination of Homeowner’s and Boat insurance.

Your Local Insurance Agency

A Local Name You Can Trust For All Your Insurance Needs

The Muzzi Group is more than an insurance brokerage. We’re our clients’ strongest advocates and most dedicated advisors, helping them reach the levels of protection they need to keep their families and properties safe since 1977. By working with us, you’ll always have access to:

Affordable Rates

Policies to fit every budget, every time. That’s the Muzzi Group guarantee!

Great Savings

We scour the market for the best deals and discounts, so you won’t have to.

Vehicle Protection

Giving you everything you need and nothing you don’t in your property coverage plans.

Comprehensive Coverage

Create the perfect liability umbrella by mixing and matching plans and providers.

FAQ

USEFUL HOMEOWNERS INSURANCE INFORMATION FOR FLORIDA RESIDENTS

Questions? Consult our handy FAQ to get even more in-depth information about the following insurance topics:

What is water backup and sump pump failure insurance?
This is an endorsement to the homeowners insurance policy that provides coverage to property damaged by water that backs up in the home through pipes, drains, sewer, water-service, sump pump, and any other type of fluid transfer system from the house.
What makes landlord/tenant dwelling insurance different from homeowners insurance?
Homeowners insurance policies cover owner-occupied homes while tenant dwelling insurance policies cover liability and damages connected to tenant occupied homes.
How much homeowners insurance should I have?
Your insurance agent will use what we call a replacement cost estimator to determine the amount of coverage one needs. Or you can simply multiply the total square footage of your home by local, per-square-foot building costs. (We used $250/sqft for premium homes, and $115/sqft for standard homes; $55/sqft for condos).
What is renters insurance?
Renters insurance provides coverage for a policyholder’s belongings, liabilities, and possibly living expenses in case of a loss event. This type of insurance is for the tenant themselves, where they do not own nor are responsible for damage to the actual building.
What is personal property coverage on a homeowners insurance policy?
This type of coverage helps pay to repair or replace your belongings after a covered loss, such as theft or fire.

What Our Customers Say

Learn more about us from our satisfied customers’ experiences. 
  • Grasshopper Group Accountant

    Choosing the right insurance coverage for my growing family had never been as easy as it was when I contacted the Muzzi Group, and I don't plan on going back!

    The Wilson Family
  • Grasshopper Group Accountant

    After shopping around for commercial insurance online and from other brokers, I was able to secure the cheapest quote fromThe Muzzi Group II Inc with the desired benefits for my business. I would recommend The Muzzi Group II Inc.

    David Thontron
  • Grasshopper Group Accountant

    When you operate and own a small business, every cent counts. So I appreciate the fact that I found an insurance broker that doesn't just care about making a profit, but also about my business' bottom line and safety in case things go south. Knowing they've got my back is priceless.

    Maximum Movers
  • Grasshopper Group Accountant

    The weather here is unpredictable. The only way you can protect the things that matter is by finding trusted insurance broker who will be with you every step of the way, and that's what the Muzzi Group is for me.

    Alan P
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