Homeowners Insurance in Naples, Florida

Protecting Your Tomorrow
So You Can Live Today

Protecting Your Tomorrow So You Can Live Today

Homeowners Insurance with The Roe Agency means

  • Over 45 years insurance experience protecting Naples and Southwest FL area homes and families
  • Simple but thorough – We make it easy
  • You can call, email or text us 24/7
  • Personalized Local Service at Competitive Prices!

  • An unsurpassed buying process
  • Licensed insurance experts that explain options
  • Customize your coverage

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Dan Herrenbruck, Agency Principal at The Roe Agency
“As our agency has grown, my biggest reward is not only the business success. It is the long deep relationships with our clients and staff. That’s what really matters.”
- Dan Herrenbruck, Agency Principal at The Roe Agency
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Your Home. Your World. Our Family.

Our team is genuinely diligent in providing the best, personalized homeowners insurance options suited for your needs.
Highest Quality
You will have trust and confidence that the homeowners insurance you are receiving is of the highest quality and you will be given top of the line service.
Customer Focused

Customer focused assistance with quick response times to calls, texts and emails.

Professional and pleasant agents here to answer your questions.

About Our Agency

We are a Florida-based Insurance Agency that takes a personal approach to protect individuals, families, and business owners with Insurance Products and Financial Services. With 45 years of insurance experience, including more than 21 years in Naples, our office has grown to accommodate clients more effectively and efficiently.
As a full-service insurance agency, the Roe Agency has worked extremely hard to build trusting, long-term relationships with our clients by providing the best options for homeowners insurance in Naples Florida, and throughout Southwest Florida. We strive to make you feel comfortable and confident by acting as your liaison and consultant. We want you to have the confidence in us, that your parents may have had and that your children will have for years to come. We are an organization dedicated to our clients. We always seek the best insurance carriers that offer the best coverage at the best price.

Buying a home in Naples, Florida?

Homeowners insurance (also known as home insurance) protects your home and possessions against damage from hurricanes, wind, fire, or other natural or man-made disasters, including theft and vandalism.
How much Naples homeowners insurance do I need?
You need enough insurance to cover the following:

  • Rebuild your home
  • Replace your belongings
  • Cover injuries and damages that happen on your property
  • Reimburse your living expenses while you cannot live in your home

Insurance Information

Coverage Options

  • Personal Property – Recommend coverage: enough to replace all your belongings
    • Protects movable personal property, such as furniture, electronics, and clothing, mostly within your home. Certain coverage limits apply.
  • Liability Protection Recommended coverage: As much as you can afford
    • Protects you and residents of your household if responsible for or sued for
      accidental injury or property damage.
    • Helps cover legal defense and settlement fees if you are found legally obligated
      to pay.
  • Guest Medical Protection – Pays medical expenses for the accidental injury of
    guests injured on your property
  • Loss of Use – To pay a reasonable increase in living expenses If your home
    becomes unlivable after a covered loss.

Personalized Add-ons

  • Replacement Cost Coverage – Pays to replace item with like, kind, and quality
    (subject t o applicable underlying policy coverage l imits)vs. depreciated amount.
  • Scheduled Personal Property Coverage – With increased protection for your personal property including, but not limited to jewelry, watches, furs, stamp, and coin collections, fine arts, computers, cameras, and sports equipment.
  • Ordinance and Law Coverage – For example, if your home is damaged or destroyed you would need additional coverage to bring it up to today’s code standards as it is repaired.
  • Hurricane coverage for Screened Enclosures
  • And many more! We will discuss additional Optional Coverage with you as necessary

The Roe Agency clients may save money on South Florida Homeowners Insurance with discounts for:

  • Gated Community
  • Storm Shutters
  • Impact Glass

  • Fire Sprinklers
  • Monitored Burglar Alarm
  • Windstorm Loss Mitigation Credits

  • Roof Shape
  • Age of home
  • Any many more…

Flood insurance

A flood is defined as a general and temporary condition where 2 or more acres of normally dry land or two or more properties are inundated by water or mudflow. Homeowners, renters, and condo insurance does not reimburse losses in the event of a flood. A separate policy specifically for floods is needed, even if the flooding occurs during a hurricane.


“Very happy with your services. I live in Canada and feel confident having the Roe Agency only a phone call away! Thank you!”

“Each and every time I reach out to your office because I have a question, I am amazed at the promptness of a reply. I am totally happy. Now and then (maybe once every two years) I compare rates, and all is great The Roe Agency.”

“We have been very happy with the Roe Agency. I have been in the office a couple of times. Everyone was friendly and helpful. Phone calls have been answered in real-time which is always the best. Communication by email and text has been very helpful.”
“Pleased with the agency. Agent and staff have been very responsive when I have needed things. Most newsletters have something worth reading ing them and while there is a clear “add-on opportunity” it is not overly aggressive.”
“I was referred by a friend to The Roe Agency and have been completely satisfied with the service. Thank you.”
“I am most appreciative of the excellent service provided by the Roe Agency!”
“Very nice people and a pleasure to do business with you!”
“Roe agency has always advised me on my best options for insurance.”
“I have been so pleased with the communication from The Roe Agency. I always receive a quick answer or call back. Definitely our best experience with an insurance agent ever.”

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