We want you to purchase a homeowner’s insurance policy that works for you and your family. Understand the basics about home insurance to get started and learn where to get help choosing your coverage.
Protects against damage to your home or its loss in the event of hail, lightening, hurricane, fire, or another covered claim. (A separate insurance policy is needed for earthquake and flood coverage).
Protects other buildings or structures on your property that aren’t connected to your primary dwelling, like a shed or a detached garage.
Protects the contents of your home or your personal property, like clothing, furniture, electronics, firearms, jewelry, and other property you own.
Provides for the cost of living if you are unable to live in your home as a result of a covered claim. Loss of use generally covers hotel and restaurant expenses, as well as any other costs of living associated with the claim.
Protects yourself and others if they are injured on your property. Florida homeowner’s insurance liability coverage provides for your legal fees and if the injured party wins a settlement, the policy can pay damages up to your policy limit.
Protects others if they are injured on your property. Guest medical coverage pays for necessary and reasonable medical expenses in the event of an accident that aren’t already covered by personal liability protection, up to your policy limit.
If you file a Florida homeowner’s insurance claim, you usually must pay a deductible. How much your deductible is varies some depending on a number of unique factors.
This deductible is usually around $1000. A lower deductible reduces your initial out-of-pocket expenses if a claim is filed, but your homeowner’s insurance policy is usually more expensive. A higher deductible can drive down the annual premium, but a higher out-of-pocket cost if a claim is filed.
This deductible is typically around 2% of Coverage A (Dwelling), although this figure is flexible, and homeowners can choose lower or higher deductibles. It’s important that your policy not have dwelling coverage that is higher than you need, because the hurricane deductible is a percentage of that coverage.
Be aware of exclusions on your policy. Some Florida home insurance companies will exclude some coverage that is usually included, such as mold coverage, rain coverage, pool cage/screen enclosures, etc.
Know what discounts may be available to you to keep the cost of your homeowner’s insurance policy as low as possible. We offer the following:
Obtain up to 60% based on the features of your home’s roof. We can help connect you with Naples, Cape Coral, and Fort Myers-based inspectors that can perform inspections in as little as 24 hours.
Get a discount when the Culbertson Agency provides both your home and automobile insurance.
Save on your home insurance policy when you have a combination of protective devices installed, such as burglar alarms, fire alarms, and other protective devices.
If you are 55 or older and retired, you may be able to receive an additional discount. This is because statistically, retired seniors pose the least risk to the home insurance company.
You can quickly get a quote from any national or statewide insurance agency when you dial their call center but dealing with a large insurance agency can be a nightmare. When you work with a local Florida homeowner’s insurance specialist, you exchange getting stuck on hold and dealing with multiple people during your claim for personalized, professional service.
The Culbertson Agency provides homeowners in Southwest Florida with comprehensive insurance coverage and support when things go awry. Contact us today for more information about our homeowner’s insurance policies and other types of coverage at (239) 210-7710 (Naples) or (239)-210-7700 (Fort Myers).
From the time I called the agency to file a claim for roof damage from hurricane Irma I received outstanding service and concern from David. He called weekly to insure that the claim process was moving forward and would call the insurance company if there were delays in the process. He is a true professional and an asset to the agency. Thank you!