In order to make the most of your money when purchasing Florida homeowners insurance, you need to know what the coverage includes and how much you actually need. Here are some policies that are basically industry standards. Each “HO” refers to a different type of policy, broken up by what they cover and what they don’t.
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?
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.
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.
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.
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.
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?
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.
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.
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.
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.
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.
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.
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.
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.