Fort Myers, Cape Coral Homeowners InsuranceFinding home insurance in Fort Myers, Cape Coral, Bonita Spring and Estero can be tricky business. If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the home insurance coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way – unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier not you in the event of a loss.

In addition to offering our clients homeowners insurance quotes  in Fort Myers, Cape Coral, Naples and all of southwest Florida – we also offer condo and home insurance for secondary or seasonal residences as well. With more than three decades of experience we’ve got the know-how to navigate the insurance market for you to offer the best coverage for the best price.

Homeowners Losses Ranked by Claims Severity (Average Claim)

Fire, Lightning and Debris Removal
Bodily Injury and Property Damage
Wind & Hail
Water Damage
All Other Property Damage
Source: ISO®, a Verisk Analytics® business. 2010-2014
Liability features include:

  • Personal liability for you, your spouse, relatives living with you and persons under 21 in your care
    Protection against claims you’re legally obligated to pay
  • Payment of the cost of defending claims against you
  • Pet Liability
  • Medical expenses of others
  • Accidental death benefits
Request a home insurance quote to get the coverage that’s right for you.

Coverage options include:

  • Fire and lightning
  • Windstorm and hail
  • Weight of ice or snow
  • Smoke damage
  • Falling objects
  • Freezing damage
  • Theft
  • Vandalism
  • Accidental overflow from plumbing
  • Accidental electrical damage to appliances
  • Damage by vehicles
A personal umbrella is a policy that primarily affords an additional layer of protection over your primary auto, boat and homeowners insurance. The umbrella is typically sold in increments of one million dollars and the availability may be dependent upon the limit of underlying coverage.

In practice a true umbrella can actually become the primary source of coverage when there is no coverage on the underlying policy. These may include, but are not limited to:

  • Libel
  • Slander
  • False Arrest
  • Invasion of Privacy