Flood Insurance Naples
An agency that offers flood insurance in Naples, knows that most homeowners purchase an insurance to cover damage or loss when there is an unexpected and destructive event. A home insurance policy usually covers interior damage, exterior damage, damage or loss of belongings, and injury. These incidents may result from events or disaster such as fire, windstorm, or theft. However, a home insurance does not cover damages caused by flood. If you live in an area that is likely to flood in Naples, it would be wise for you to purchase a flood insurance. A flood insurance in Naples, Florida will pay for loss or damages that may not be covered by your property insurance.
What You Need to Know About Flood Insurance in Naples
Before you purchase a flood insurance in Naples, get to know the basic facts about it. This will help you understand what you will be paying for and how to go through the process if you are making a flood claim.
- Primarily, a flood insurance in Naples protects property owners from water damage to the structure and its contents. While you can purchase a flood insurance in Naples from many companies, all policies cost the same because they are federally regulated.
- Lenders may require mortgaged homeowners to purchase flood insurance in Naples to protect their home’s structure. Aside from the flood insurance in Naples, you may also get additional coverage for your property’s contents such as furniture and clothing.
- While flooding occurs within the 50 states of the US, there are special flood areas declared by the Federal Emergency Management (FEMA). A flood insurance in Naples would be beneficial for homeowners in these areas since their properties are more at risk of being damaged by flood.
- A flood insurance in Naples usually has a 30-day waiting period between your purchase of a policy and the start of its coverage. Therefore, if you buy a flood insurance in Naples just before an impending storm or flood, you may not be able to get the coverage that you need.
Frequently Asked Questions About Flood Insurance in Naples
Although homeowners may know the basic facts about flood insurance in Naples, there are other information about it that may be more complicated. Here are some frequently asked questions about flood insurance in Naples, Florida.
Do You Have to Live in a Floodplain to Purchase a Flood Insurance in Naples?
You don’t have to live in a special flood area to get a flood insurance in Naples, Florida. Since flooding may occur within the 50 states, you may purchase a flood insurance in Naples if you think you might need it.
Does a Flood Insurance in Naples Cover Everything?
A flood insurance in Naples does not provide coverage for everything. For your home’s physical structure, federal insurance policies top out at $250,000. For your personal belongings, the maximum amount is $100,000 with flood insurance. However, a flood insurance in Naples will not cover your living expenses if you need to relocate while your home is under repair.
Does a Flood Insurance in Naples Cover All Kinds of Water Damage?
Not all water damage is the same. Therefore, your flood insurance in Naples may not cover everything. For other kinds of flood damage, you may check your home insurance policies to see if it offers coverage for damages that may result from a storm or hurricane.
What Is Covered by Flood Insurance in Naples?
Based on the National Flood Insurance Program (NFIP), a flood insurance in Naples covers the cost of rebuilding your home or its actual value, whichever is less. This includes your home and its foundations, permanently installed parts of your home, detached garages, and electrical and plumbing systems. For your personal estates, a flood insurance in Naples may cover belongings such as clothing, furniture, or portable appliances.
What Is Not Covered by Flood Insurance in Naples?
A flood insurance in Naples does not cover anything that belongs to a bank or safe deposit box such as cash, stock certificates, bearer bonds, and precious metals. In addition, a flood insurance in Naples does not cover trees, walkways, patios, swimming pools, and temporary housing.
Culbertson: Flood Insurance Naples
Flood insurance is a widely accepted form of risk management that can significantly impact your financial standing. That’s why you should turn to an insurance company that has your best interests in mind.
At Culbertson, we treat our clients the way we want to be treated. This philosophy has allowed us to earn the trust and confidence of our policyholders over the years. In fact, more than 90% of our flood insurance clients renew their insurance policies with us every year—a shining testament to our hard work, dedication, and sincerity.
About Our Insurance - Flood Insurance Naples
Culbertson Agency has locations in Fort Myers and Naples, FL. Our program members have an extensive amount of experience in the flood insurance industry and display utmost professionalism in every interaction.
We take pride in being one of the fastest growing flood insurance companies in Florida, attracting more than 300 new clients every month. In addition, our agency has established a stellar reputation in the industry, winning several customer satisfaction and production awards.
Types of Insurance We Offer - Flood Insurance Naples
Life Insurance in Florida
Being a policyholder of life insurance ensures that your loved ones are financially taken care of even after you pass away. We offer two kinds of comprehensive life insurance—term life and permanent life, with each one having distinct advantages. Your premium amount will be computed based on a variety of factors, including your age, gender, and medical history.
Home Insurance in Florida
Your home is arguably one of the most important assets you can ever have. We offer highly flexible flood insurance policies that can be customized depending on your specific needs. Our home insurance coverage can range from dwelling and personal property to loss of use and medical payments.
Auto Insurance in Florida
If you are looking for an extensive insurance plan, we can certainly provide you with that. We have a wide range of coverage types, particularly bodily injury liability, estates damage liability, uninsured motorist, underinsured motorist, medical payments, personal injury protection, collision, and comprehensive.
Boat Insurance in Florida
Owning a watercraft comes with its fair share of risks, and our goal is to eliminate or, at the very least, minimize them. Similar to our car insurance policy, our boat insurance plan covers a variety of possible situations. These include accidents, medical payments, equipment and accessories, emergency services, and wreck removal.
Motorcycle Insurance in Florida
With a motorcycle insurance plan, you can cruise down the interstate on your big bike without any worries. On top of the basic coverage, we also offer specific options, such as towing and labor, rental reimbursement, and optional/added equipment. We even offer a wide variety of discounts to certain clients.
ATV and Golf Cart Insurance in Florida
We also offer insurance policies for recreational or off-road vehicles. These include golf carts, all-terrain vehicles, dune buggies, jet skis, and motor homes. The coverage details are slightly different from that of our car insurance policy. Please reach out to us for more details.
Flood Insurance in Florida
Although Southwest Florida is a wonderful place to live in, it is also notorious for tropical storms, hurricanes, and floods. Unfortunately, your home insurance will not cover damages to your home caused by floods. That is why getting flood insurance is a necessity if you live in this region.
Umbrella Insurance in Florida
If you’re looking for an extra security blanket, we suggest that you apply for our umbrella insurance. This covers damages that you or your dependents may cause when your other policies have maxed out. For instance, if you have been involved in a car accident and your auto insurance coverage has already been exhausted, your umbrella policy will serve as another layer of great protection.
Secure Your Financial Future Today - Flood Insurance Naples
No matter what your current financial status is, it’s never too late to start getting great flood insurance. Nothing beats the sense of comfort and security that comes with protecting your most valuable assets—and Culbertson Agency can help you achieve that. Get in touch with us today at 239-210-7700 (Fort Myers office) or 239-210-7710 (Naples office).