Peter Hitzel, REALTOR® The Property Pilot
mail@peterhitzel.com  ·  239.977.8498
Free worksheet · Cape Coral buyers

Published insurance averages here range $3,500 to $8,544. Here’s how to get your real number.

A worksheet that works out what a Cape Coral home actually costs you every month — using your quotes, not somebody’s average.

  • Why four published averages disagree — and what that tells you about your own house.
  • The two policies — homeowners and wind is one. Flood is separate, and most averages leave it out.
  • The question to ask before price — “Will anyone write this house?” Roof age disqualifies more homes than people expect.
  • The assessment line — $32,288 on a standard North 1 East lot, and how it lands on your monthly.
  • The reserve nobody sets aside — roof, AC and — on the water — the seawall. When costs, not if costs.
Nearly 50 five-star Google reviews
32 years a commercial pilot before this
Licensed real estate agent and mortgage lender
Cape Coral waterfront and Gulf-access specialist

The lines most people miss

Four published sources, four different insurance averages, all for the same city in the same year. None of them know your house.

$32,288
Standard North 1 East lot — the utility assessment that attaches to the lot, not the seller
$3,500–$8,544
The spread across published 2026 Cape Coral homeowners insurance averages
$600–$2,500
What flood commonly adds per year in a high-risk zone
85%+
Of Cape Coral properties sit in some form of flood zone

Source: City of Cape Coral Utilities Extension Project; Cape Coral Breeze reporting, November 2025. Figures pulled 6 August 2026 and specific to the North 1 East phase — amounts vary by phase. Confirm current figures with the City before relying on them.

Why an average is useless here

Four sources, four different numbers, all published for the same city in the same year. They disagree because they assume different dwelling coverage, different roof ages, different construction — and because some include flood and most don’t.

None of them know your house. Roof age, wind mitigation, elevation and distance to open water do most of the work, and they vary enormously street to street.

So this worksheet doesn’t hand you a number. It hands you the lines to fill in, ranges to sanity-check against, and the questions that get you real quotes — before you’re emotionally committed to a house.

Peter Hitzel, REALTOR®, Cape Coral Florida

Peter Hitzel

REALTOR® · PREMIERE Group at Real Broker, LLC · Cape Coral, FL

I flew commercially for 32 years before selling Florida real estate full time. That's roughly the approach here: checklists, straight answers, no drama.

I work mostly with out-of-state and international buyers, military families on a PCS, boaters, and first-timers who want the real number rather than the brochure one. I'm also a licensed mortgage lender, which is why the money side of this gets more attention than most agents give it.

Or send me the address

I’ll fill it in for a specific house — the assessment, the tax estimate at your price, and who to call for insurance. About twenty minutes, costs you nothing.

Email me the address

Or call or text 239.977.8498