Wise Owl Blog

Should I Be Concerned About My Privacy with FaceApp?

Posted by Tyler Small on Jul 17, 2019 3:43:48 PM

By now, you've probably heard of the "FaceApp Old Age Challenge" and seen people posting pictures of what they might look like when they get older using FaceApp. There have also been several articles floating around the internet questioning the app's privacy.

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How Florida's New Texting-While-Driving Law Will Affect You

Posted by Tyler Small on Jun 28, 2019 11:02:27 AM

There's a new law going into effect this Monday on July 1st which will make texting while driving illegal.

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Does My Auto Insurance Cover LoveBug Damage?

Posted by Brian Culbertson on Apr 29, 2019 1:57:14 PM

Does this seem to be the worst lovebug season ever in SWFL?  I live in a more rural area of SWFL (Alva), and it literally sounds like it’s raining love bugs on my windshield as I drive to work each day. 

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3 Amazing Smart Doorbell Cameras to Protect your Home

Posted by Brian Culbertson on Mar 13, 2019 9:14:00 AM

While an ordinary doorbell can certainly alert you when someone’s ringing, it does little to protect your home from possible intruders and theft.

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3 Affordable Outdoor Home Security Cameras

Posted by Brian Culbertson on Mar 6, 2019 9:00:00 AM

When it comes to home security, you can’t ever be too prepared.

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Irma Insurance Villages (Lee & Collier)

Posted by Brian Culbertson on Feb 25, 2019 5:16:00 PM

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… This is NOT a mandatory thing, but if you prefer seeing someone face-to-face, this is a good place to start.

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Will Installing Security Cameras Help to Lower My Home Insurance Cost?

Posted by Brian Culbertson on Feb 19, 2019 9:15:00 AM

Many homeowners are choosing to install home security cameras to help prevent break-ins and provide their families with greater peace of mind and reassurance. But can installing security cameras inside or outside of your home help to lower the cost of your homeowners insurance?

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Are Natural Disasters Covered by Homeowners Insurance?

Posted by Brian Culbertson on Feb 1, 2019 9:25:00 AM

Living in Florida, we need to be prepared for turbulent weather. That’s why most residents invest in hurricane windows and shutters, hide their cars away behind storm doors and take out additional insurance riders to protect their home or business.

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Thin Blooded Floridians; Truth or Trick?

Posted by Brian Culbertson on Jan 31, 2019 5:22:00 PM

This past week I heard a lot of complaining about how cold it was in Southwest Florida.  Of course our temps were nothing compared our northern neighbors who saw recording breaking lows, some nearly 100 degrees colder than SWFL.  

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10 Things your Homeowners Insurance Probably Doesn’t Cover

Posted by Brian Culbertson on Jan 30, 2019 5:22:00 PM

Your homeowners insurance likely covers a lot, but like any policy, there are still some exceptions.

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How to Prevent Water Damage from a Leaking Water Heater

Posted by Brian Culbertson on Jan 29, 2019 5:21:00 PM

Imagine the damage your water heater can cause to your home if it were to suddenly burst. A pressurized, unlimited amount of water can flood your basement or other areas, ruining carpeting, drywall, furniture and more.

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Is My Fence Damage Covered by Homeowners Insurance in Southwest Florida?

Posted by Brian Culbertson on Jan 28, 2019 5:21:00 PM

 

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Is My Detached Garage Covered by Homeowners Insurance in Southwest Florida?

Posted by Brian Culbertson on Jan 28, 2019 5:20:00 PM

As a Southwest Florida resident, you’ve probably gone through extensive measures to protect your home against hurricanes and other powerful weather events. From sturdy hurricane shutters to darn near impenetrable doors–wind or rain is no match for your home’s forcefield.

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Why Millennials Can't Afford to Miss Out on Life Insurance

Posted by Brian Culbertson on Jan 27, 2019 5:19:00 PM

Source: USA Today

"When respondents in the insurance survey were asked how much a $250,000 term life policy for a healthy 30-year-old would cost each year, the median estimate was $500, over three times the actual cost of $160. Millennials in the study, ages 18 to 36, guessed an even higher amount: 44% pegged the cost at $1,000 or more a year, compared with 29% of older respondents, the insurance study said."

If you were born between 1978 and 1998, you're a Millennial according to the media (no matter how much you HATE being called one). You're probably in a stage of life where you're settling down, buying a house, having some kids, and working to further your career. You're probably well on your way in all of those plans even. But have you considered Life Insurance? A lot of Millennials think that they can't get it for a number of reasons.
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The Top 7 Things That Affect Your Home Insurance Premium

Posted by Brian Culbertson on Jan 26, 2019 5:17:00 PM

No one wants to pay more for Home Insurance than they have to, especially in a state like Florida where homeowners insurance has a few unique things to consider.

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New Years Resolution (Appetizer)

Posted by Brian Culbertson on Jan 24, 2019 5:16:00 PM

Start Your New Year Now

Hi, I’m Brian Culbertson, a 40-year old, middle-aged, dad of three girls who was recently diagnosed with high cholesterol and a body weight of slightly above the “ideal,” whatever that means. Frankly, I’m lucky to have a decent metabolism because my eating habits the last few years have been lacking, and while I haven’t exactly been a couch potato, I haven’t exactly been a treadmill tomato either.

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Best Movie Theaters in Fort Myers & Naples (Part 1)

Posted by Brian Culbertson on Jan 23, 2019 5:15:00 PM

If you’re like me, you like great movies, but you also want to see it in a great movie theater where the picture, sound, and theater create a perfect opportunity for the movie to suck you in and get lost in it’s story, characters, and world. As I’m writing this, we’re all anticipating Star Wars: The Force Awakens to take us back a long, long time ago to that galaxy far, far away, so I’ve decided to assemble a list of my favorite movie theaters here in Fort Myers and Naples.

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Best Movie Theaters in Fort Myers & Naples (Part 2)

Posted by Brian Culbertson on Jan 22, 2019 5:14:00 PM

3. Prado Stadium 12

This is touted as being the vacation-go-er’s movie theater and an upscale movie going experience. Located in Bonita, it’s near enough to Naples to warrant being upscale to attract the generally upper-scale locals and that’s a good thing if you live in Fort Myers and don’t mind a bit of a drive. The building the theater is in is one of the better-looking in the area, since it has a bit of a Mediterranean flair to it including an outdoor fire and a water fountain where you can sit and enjoy a little time before or after your movie.

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Expert Roof Scrubber

Posted by Brian Culbertson on Jan 21, 2019 5:14:00 PM

Recently, I visited Belize (neat country by the way) doing some short term mission work with a small team of four guys. One of our projects was to clean a metal roof of an orphanage that had thick, black mold growing on it, causing the home to retain heat and not reflect the sun as it should.

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Best Things to do in Fort Myers on a Staycation

Posted by Tyler Small on Jan 21, 2019 5:13:00 PM

By now, you’ve probably heard of the term “staycation”--the idea that you take a vacation in the place that you live rather than travelling somewhere on your vacation. Since we live in southwest Florida, we’re blessed with opportunities for staycations that someone living elsewhere (Wyoming, for example) wouldn’t be able to experience. As I like to say, there’s a reason why everybody vacations in Florida. Think about it for a second: we live where other people vacation. How cool is that?

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Best Things to do in Cape Coral on Staycation

Posted by Tyler Small on Jan 20, 2019 5:12:00 PM

When you think of the word “staycation”, you may not be thinking about the city of Cape Coral. It’s a large primarily residential community atop a labyrinth of canals (the largest and most complex canal system in the world, by the way), but since it’s right on the other side of the Caloosahatchee River, it shares many of the perks and amenities that the city of Fort Myers enjoys. You may notice that many of the things you can do on a staycation in Cape Coral overlap from what you can do on a staycation in Fort Myers.

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Best Things to do in Naples on a Staycation

Posted by Tyler Small on Jan 19, 2019 5:11:00 PM

With changing times and upheavals in the economy, around the year 2008 a new word entered into the public vocabulary--staycation. A “staycation” is when you stay in the area in which you live rather than going somewhere else on vacation. 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. You may notice that many of the things you can do on a staycation in Naples overlap from what you can do on a staycation in Fort Myers.

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Fort Myers Family Staycation Itinerary for Under $2,500

Posted by Tyler Small on Jan 18, 2019 5:11:00 PM

The Culbertson Agency likes to give back to our surrounding community and one of the ways that we like to do that is by helping you explore the possibilities for recreation and relaxation that’s available to us right here in our own backyard.

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Candyman: The Story Behind the Halloween Urban Legend

Posted by Tyler Small on Jan 16, 2019 5:10:00 PM

Timothy and his sister Elizabeth anxiously waited for their dad to get home from work. It was October 31st—Halloween—and they were so excited to go Trick-or-Treating. As soon as they heard the doorknob turn, they rushed him at the door as he walked through, still clad in white optician's coat.

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

Posted by Tyler Small on Jan 15, 2019 5:09:00 PM

That's all you want after you've experienced loss or damage to your home.

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What Factors Affect Your Life Insurance Premiums

Posted by Tyler Small on Jan 14, 2019 5:08:00 PM

How much will my Life Insurance premiums be?

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Top 12 Causes of Death in the U.S.

Posted by Tyler Small on Jan 13, 2019 5:08:00 PM

Source: Centers for Disease Control and Prevention

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How to Protect Your Car from Love Bugs

Posted by Tyler Small on Jan 12, 2019 5:07:00 PM

It's love bug season again…

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Is My Fence Damage Covered by Homeowner's Insurance in Southwest Florida?

Posted by Brian Culbertson on Jan 11, 2019 5:06:00 PM

As a homeowner, you most likely already have homeowners insurance. Luckily, for the past few years, you haven’t had to make any claims.

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Fort Myers Agency Owner Brian Culbertson Named Finalist for Top National Volunteer Award

Posted by Brian Culbertson on Jan 10, 2019 5:06:00 PM

FOR IMMEDIATE RELEASE 

Florida Agency Owner Brian Culbertson Named Finalist for

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Now Hiring for Naples and Fort Myers (Sales Agent)

Posted by Brian Culbertson on Jan 9, 2019 5:05:00 PM

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5 Years Strong: Culbertson Agency Anniversary

Posted by Brian Culbertson on Jan 8, 2019 5:04:00 PM

On September 1, 2010 the 4 original crew of the Culbertson Agency opened the doors with ZERO policies AND no customers.  That’s right... Nada – zip – zilch. 5 years later, Brian, Karen, Kristen, and David are still with the agency, and it has grown like wildfire.  Today they along with the team of 20 agents service over 15,000 policies for 9,000 households in Southwest Florida.

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Fort Myers Insurance Entrepreneur Takes Top Honors

Posted by Brian Culbertson on Jan 7, 2019 5:03:00 PM

Fort Myers Insurance Entrepreneur Takes Top Honors

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City of Palms Classic 2017

Posted by Brian Culbertson on Jan 6, 2019 5:03:00 PM

The Culbertson Agency is one of the sponsors for this year's City of Palms Classic basketball tournament. This is a yearly series of basketball games which include athletes from local high schools here in the Fort Myers area. Hundreds of coaches and scouts at every level use this venue for recruiting and more than 530 players have advanced to NCAA Division I since the City of Palms Classic started in 1973.

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How to Prevent Mold Growth After Water Damage to your Home

Posted by Brian Culbertson on Jan 6, 2019 5:02:00 PM

Boy, did that last storm hit you hard! You’re not sure where, but somehow water from the storm’s wild wind and rain got into your living room. Now your carpet is flooded and you have a huge mess on your hands.

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

Posted by Tyler Small on Jan 5, 2019 5:01:00 PM

After food was mysteriously disappearing from the kitchen counter, the evidence pointed to Yogi, their dog, as the likely culprit. They decided to set up a video camera in order to catch him red-handed (red-pawed?) and the video that they captured was hilarious. After sharing the video on Facebook, people had encouraged the Culbertson family to upload the video to America's Funniest Home Videos, but Brian shrugged it off thinking that the video never had a chance of making it on the show. Finally, after much encouragement from his wife Karen, Brian got around to uploading the video.

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

Posted by Tyler Small on Jan 4, 2019 5:00:00 PM

The Culbertson Agency is giving $1,000 to the Hoops on Mission through a grant from a foundation as a part of the "Hands in the Community" Grant.

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

Posted by Tyler Small on Jan 3, 2019 5:00:00 PM

One of the things that the Culbertson Agency prides itself in is that we consistently make the top lists in our industry. Recently, one of our Naples insurance agents, David Cantoni, was featured in Five Star Professionals portion of the Gulfshore Magazine.

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2017 Back to School Supplies Drive

Posted by Brian Culbertson on Jan 2, 2019 4:59:00 PM

Culbertson Agency & Refuge.Church are collecting back packs & school supplies for locally underprivileged students. Will you help us fill 150 or more backpacks? Drop off your supplies or monetary donations to one of the following locations:

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8 Ways to Reduce the Cost of your Homeowners Insurance

Posted by Brian Culbertson on Jan 1, 2019 4:58:00 PM

We get it. Homeowners insurance can get expensive. But Florida residents are really feeling the burn in their wallets.

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