Wise Counsel

#6 - Homeowners Insurance: Ensuring You’re Not Over-Insured

Written by Brian Culbertson
October 20, 2011

So, how much is enough when it comes to Fort Myers homeowners insurance? The amount of FL home insurance you buy should be a fairly straightforward matter of getting ample coverage to rebuild your house and replace its contents in the event of a total loss. You also want to protect yourself in case someone gets injured on your property and tries to sue you for all you’re worth. But how much is enough to cover you without going overboard?

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#5 - Increasing Your Insurance Deductible

Written by Brian Culbertson
October 06, 2011

If you’re willing to take on a little more risk, it could save you a lot more money. Most financial experts agree that increasing your Cape Coral insurance deductible on your homeowner’s policy makes good financial sense. Just to clarify, the deductible is not to be confused with your premium. Deductible – This is the dollar amount of losses or damages that you, the policyholder, pay before the insurance company starts paying – the amount that is your responsibility to pay on any claim.

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#4 - Fort Myers Home Insurance Discounts: Alarm Yourself

Written by Brian Culbertson
September 22, 2011

A security alarm is a good idea, regardless, as it helps to protect your home and your family from potential break-ins as well as the insurance discounts it can get you. The concept of a burglar alarm has been around for generations. They basically began as home made “booby traps”, and have evolved into elaborate alarm systems and home security systems complete with video monitoring and emergency call center alerting.

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FL Home Insurance HO-3 vs HO-2

Written by Brian Culbertson
September 14, 2011

I am often asked by customers what is the difference between a FL Home Insurance HO-3 and an HO-2.

The coverages for the Dwelling (Coverage A) and Other Structures (Coverage B) is the significant difference between HO-2 and HO-3.

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#3 - Home Insurance: Shutter Safety & Savings

Written by Brian Culbertson
September 08, 2011

If you live in Florida, installing hurricane shutters is a smart decision. After watching the impact of Category 4 and 5 hurricanes on coastal cities and towns, we realize how quickly hurricanes can change paths and how devastating they can be. Sometimes there may not be time to board up the windows, and even if there is, this may not be enough to keep your home and family safe from flying debris. However, shutter safety is not the only reason to consider hurricane shutters. You can also save money!

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Agency News

City of Palms Classic 2017

Written by Tyler Small
December 08, 2017

The Culbertson Agency of Fort Myers is a sponsor for the City of Palms Classic basketball tournament happening at the Florida SouthWestern State College's Suncoast Credit Union arena from December 18th to the 23rd.

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2017 Back to School Supplies Drive

Written by Brian Culbertson
July 24, 2017

Refuge Church (Located at 1901 Brantley Road in Forty Myers, FL behind the Eager Beaver Car Wash) is collecting school supplies for locally underprivileged students. Will you help us fill 150 or more backpacks?

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Our Naples Insurance Agent was Featured in Five Star Professional and Gulfshore Life

Written by Tyler Small
April 21, 2017

The Culbertson Agency prides itself in is that we consistently make the top lists in our industry and recently, one of our Naples insurance agents was featured in Five Star Professionals portion of the Gulfshore Magazine.

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Fort Myers FL Insurance Agent Wins America's Funniest Home Videos

Written by Tyler Small
March 17, 2017

When food was mysteriously disappearing in the Culbertson family's kitchen, they decided to catch their dog Yogi in the act. After being encouraged to upload the video to America's Funniest Home Videos, Brian Culbertson thought it would never win.

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The Culbertson Agency Gave $1,000 to Hoops on Mission

Written by Tyler Small
March 07, 2017

We're giving $1,000 to the Hoops on Mission through a grant from a foundation as a part of the Hands in the Community Program.

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Good Tidings

2017's Top 10 Dangerous Toys

Written by Tyler Small
December 14, 2017

This is one of those things that crops up every year around Christmas because it's the time of year when toy-buying is highest. I can remember being a kid playing on the living room floor with a jump rope and I remember wrapping it around my neck to play like I was wearing it as a kind of necklace when my mom suddenly urged me to take it off because I could strangle myself. This was in the eighties just before the time of the Cabbage Patch Kid doll that would eat little-girls' hair.

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Candyman: The Story Behind the Halloween Urban Legend

Written by Tyler Small
October 31, 2017

Are your kids at risk to receive razor blades in their apples on Halloween? How one man perpetuated an urban legend that continues to this day and how it relates to insurance.

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Fort Myers Family Staycation Itinerary for Under $2,500

Written by Tyler Small
March 21, 2017

The Culbertson Insurance Agency of Fort Myers likes to give back to the community by raising awareness of the wonderful place that we live in and the many recreational and vacation amenities that we take for granted here. We've put together a sample one-week vacation that you can have for a couple up to a family of 5 for less than $2,500.

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Best Things to do in Naples on a Staycation

Written by Tyler Small
March 09, 2017

We've got beaches, golf courses, and resort hotels! Given the large number of retirees and snowbirds that call Southwest Florida their home for half the year, a staycation in the Naples area makes a lot of sense. Naples is a great option for having a staycation given the myriad of things to see, eat, and do in the area.

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Best Things to do in Cape Coral on Staycation

Written by Tyler Small
February 24, 2017

The Culbertson Agency has put together a list of the best things to do in Cape Coral on a staycation. Whether it's boating, fishing, kayaking, or camping, Cape Coral has many opportunities for fun and recreation.

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