Wise Counsel

Irma Insurance Villages (Lee & Collier)

Written by Brian Culbertson
September 19, 2017

There will be two Insurance Villages this week, which will include MOST of our carriers. An insurance village, is simply a group of insurance companies, bringing in their mobile response teams in one place a village to answer questions, open claims, etc

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Be Careful of This Clause If You Have to File a Homeowners Insurance Claim

Written by Tyler Small
September 19, 2017

Dishonest contractors pressure unsuspecting homeowners into signing contracts that include these Assignment of Benefits (AOB) clauses. What you want to look for are phrases like, "I transfer and assign any and all insurance rights, benefits and causes of action under my property insurance policy to the contractor" or something along those lines.

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Insurance for Fort Myers Home-Based Business

Written by Tyler Small
May 02, 2017

Do you run a business out of your home? A lot of people think their homeowners' insurance policies cover their home-based business needs when mayhem happens, but the reality is that most
homeowners' policies don't.

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Top 16 Home Maintenance Tips for Spring

April 15, 2016

“Spring is nature’s way of saying, let’s party.” I am not quite sure I agree with Robin Williams when he said that. Let’s be honest, the first thing we think of, besides the beauty of nature, is SPRING CLEANING. Yuck! The only two people I could imagine hosting a party in celebration of cleaning are Danny Tanner and Mr. Clean (And they are fictional).

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Finding the Right Neighborhood for You

Written by Brian Culbertson
August 21, 2015

Whether you have just moved to Southwest Florida or if you are a renter who is getting ready to take the home buyer plunge, one thing that is likely in the back of your mind (besides staying in your budget) is finding the right neighborhood for you. This is a huge factor, in some cases, for determining the success of your move and how long you stay in one location. If you are like me, you want to do it as little as possible.

We all have different tastes, lifestyles, and needs so there is no best neighborhood to magically tell you about. The key to finding “your best neighborhood” is to evaluate and jot down what is important to you. Remember, one person’s paradise may be another person’s nightmare.

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Shopping For Homeowners Insurance

Written by Brian Culbertson
August 06, 2015

You are getting ready to purchase a home, and you hear someone mention Homeowners Insurance… Dun, dun, duuuuuuuuuuunnnnnnn! For many first time buyers, shopping for the best insurance coverage can be a downright scary task. Not only are you worried about finding the dream home that meets your budget, but now you have to think about things like premiums, flood zones, and liability coverage for it too.

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The Costs of Expanding Your Family

Written by Brian Culbertson
July 30, 2015

Is it really possible that your little bundle of joy will cost you around a quarter of a million dollars even before you send them off to college? If you are thinking of having a child, there are a few things you have to count on being in your future, financially that is. Not to mention the surprises we didn’t count on along the way. Let’s talk about the big things that are definitely going to come our way.

Before we even get to meet our precious baby we have the expected cost of delivery, about $3,200, and also around the same amount to the delivery doctor and prenatal visits if you don’t have insurance. If you are lucky, you will have a perfectly healthy baby and they won’t have to stay in the hospital any longer than you have to. If not, add on a few more thousand to your hospital bill.

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Getting more miles out of your older vehicle

Written by Brian Culbertson
February 28, 2014

Insurance Agent Scott Ehrenfeld on our team has a lot of miles on his 14-year old F-150 (255k and counting). The car still tows his boat and except for his heat not working (which is rarely an issue in Southwest Florida, but funny to see him pull up driving it on the few cold days we have), his car is in excellent working condition.

When asked what has kept his car running so long, Scott simply answers BASIC ROUTINE MAINTENANCE. Here’s a few tips for you to keep your older vehicle in great working condition like Scott.

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Flood Insurance Changes 2013 | Fort Myers, Cape Coral, Florida

Written by Brian Culbertson
September 25, 2013

We've taken a ton of calls and emails today as a result of an article in the News Press about flood insurance in Fort Myers and the surrounding waterfront communities of Cape Coral, Bonita Springs and Estero. Below is a brief summary of changes that will go into effect on Oct. 1, 2013 as part of the Biggert-Waters Flood Insurance Reform Act of 2012 (BW12),

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Cape Coral Ranks # 1 in Florida on 2013 Best Driver Report

Written by Brian Culbertson
August 28, 2013

he Allstate Insurance Company today released its ninth annual “Allstate America’s Best Drivers Report®.” The report, based on Allstate claims data, ranks America’s 200 largest cities in terms of car collision frequency to identify which cities have the safest drivers.

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