Home Insurance Explained Before Storm Season
A Cape Coral agency for homeowners and renters. We compare several carriers and walk you through wind, flood and rebuild cost.
Check Your Coverage
A few questions about your place. You get a rebuild number, your hurricane deductible in dollars, and what to know about flood.
Sample Rebuild Cost
$0
Your Hurricane Deductible
$0
Flood Is Separate
Your Roof
Sample numbers for this demo. Building costs use a sample Lee County range per square foot. Your real coverage and price depend on the carrier, an inspection and underwriting. Florida home rates move often, so we quote each carrier instead of showing a sample premium.
Your Things Are Worth About
$0
That is what it would cost to buy it all again new. We suggest a policy that pays replacement cost, not a used price.
Sample Yearly Range
$0
Depends on the carrier, your building and underwriting.
Flood Is Separate Here Too
A renters policy does not cover flood. Contents only flood coverage is available and is often low cost on an upper floor.
Sample numbers for this demo, not a quote. Jewelry and bikes often have lower limits unless you list them on the policy.
What a Florida Policy Really Covers
The four places people get surprised after a storm. Tap a photo to see it bigger.
Wind and the Roof
Wind is the big one here. The roof decides a lot of what you pay and who will write you.
- Shingles or tiles torn off by wind
- Rain that comes in through that hole
- An old leak that was already there
The Hurricane Deductible
A percent of your dwelling limit, set apart from your normal deductible. Know the dollar number before June.
- Applies to named hurricanes only
- Once per season on most policies
- Not the same as your all other perils deductible
Flood and Surge
Always a separate policy. Your elevation certificate and flood zone set much of the price.
- National Flood Insurance Program or a private carrier
- Building and contents are separate limits
- Never covered by the home policy
Renters
The landlord covers the building. You cover everything you brought, and yourself.
- Your things, at replacement cost
- A hotel if the unit cannot be lived in
- The walls, roof and the pool
Where We Write Policies
Cape Coral, Fort Myers, North Fort Myers, Pine Island, Matlacha, Sanibel, Fort Myers Beach, Lehigh Acres, Estero and Bonita Springs.
Office in Cape Coral, marked in red. We also write policies anywhere in Florida by phone.
What Neighbors Say
Our carrier dropped us in May. Tom had three options for us in a week, and he explained the wind deductible so I finally got it.
Linda K. Cape Coral
He told us to get flood even though we are in an X zone. After the last storm, I am glad we listened.
Andre P. North Fort Myers
Renters insurance for my first apartment took ten minutes on the phone. Cheaper than my streaming bills.
Sofia R. Fort Myers
Sample reviews written for this demo. Your site shows your real Google reviews, word for word.
Storm Season Questions
Does my home policy cover flooding from a storm surge?
No. Water that rises from the canal, the Gulf or heavy rain is flood, and flood needs its own policy. You can buy it through the National Flood Insurance Program or from a private flood carrier. Most flood policies take 30 days to start, so do not wait for a storm in the forecast.
What is a hurricane deductible?
It is a separate deductible for damage from a named hurricane. In Florida it is usually 2, 5 or 10 percent of your dwelling coverage, not a flat dollar amount. On a $450,000 home, a 2 percent deductible means you pay the first $9,000.
Why should I insure for rebuild cost and not what I paid?
What you paid includes the lot, and on a canal the lot is a big part of the price. Insurance pays to rebuild the house. Building costs in Lee County went up after Ian, so we check your rebuild number every year.
Can a wind mitigation inspection lower my premium?
Often, yes. An inspector checks how your roof is attached, your roof shape and your window protection. Carriers give credits for features like hurricane straps and impact windows. We can tell you if the inspection is likely worth it for your house.
Do renters need their own insurance?
Yes. Your landlord's policy covers the building, not your things or your liability. A renters policy covers your belongings, a hotel if you have to leave, and someone getting hurt in your place. Flood is still separate for renters too.
Renewal Came in High?
Send us the declarations page. We compare it with several carriers and call you back the same business day.