Living in Florida is great and if you are also a homeowner then you are likely winning at life! Your home is precious to you and that is why we encourage you to learn and consider all options for your homeowners insurance. Our team has over 55 years of experience protecting Florid homeowners. We have helped 1000’s of clients make insuring their house a worthwhile and positive experience.
This is because Florida has amazing weather but a consequence of that is exposure to hurricanes. Most other states in America are not frequently visited by these storms. We work with almost every home insurer in Florida so are able to shop and compare coverages offering you some of the best rates around.
The price of Fort Myers home insurance depends on many factors. The replacement cost of your house, the age of your house, the age of your roof and the location of your house are major components that are used to calculate pricing.
This may seem comprehensive but there are always exclusions to your Fort Myers homeowners insurance policy. Flood insurance isn’t included in a standard insurance policy. More options to consider adding include specific weather conditions, pets, and plumbing. Protection from just about everything you can imagine is available for homeowners insurance, but you have to be sure that they are included before you run into a problem or claim.
In addition to traditional homeowners insurance, we also offer:
Condominium Coverage. Every condo owner should carry their policy for liability and property loss. Your condo coverage works like a homeowners policy, in that it covers your personal belongings, loss of use, liability but it only covers from the drywall in. Your association should be responsible for getting coverage for the condo buildings. If it is a primary or seasonal home, you still need quality condominium coverage. Another thing to consider with condos is the age of the unit. Some carriers limit or exclude water coverage (pipes leaking, for example) if the buildings are over certain age limits. It can be complicated so please give us a call to go over your options here.
Renters Insurance. If you are a renter, you should have renters insurance. By taking an inventory of your belongings you’d be surprised at how much it would cost to replace everything. Protect it all with a Fort Myers renters insurance policy from Goodlad & Swank Insurance.
Lessors Risk also known as Landlord Insurance Dwelling Policy. As a property owners and investor, it only makes sense to protect your investments. We will consult with you to customize what you need to stay prepared for any event. We can evaluate your replacement costs and also offer coverage for the loss of rental income. We can also provide you with coverage for your tenants protection and bodily damage to anyone visiting your properties.
Optional Homeowners Insurance Coverage in Fort Myers
Homeowners insurance laws and regulations are constantly changing. It is important to know what is and what isn’t covered in your policies. Here are some additional options to consider:
Jewelry, Guns, Fine Art Collections. Let’s face it, every home contains items that would interest a burglar. Family heirlooms or just that giant 80” TV on the wall can be covered. Be sure to let our representatives know if you have high dollar items. There are limits to the amount offered on this coverage so it’s important to detail what you have. Sometimes we can build a list outlining all of the items and in certain cases we can write you a special policy called a Personal Articles Policy to provide the proper coverage amounts.
Flood Coverage. Roughly 30% of flood claims occur on places that are “not in a flood zone”. This coverage does NOT come standard with your homeowners insurance, so it is important to have in Florida. Essentially, all of Florida is a flood zone with certain areas more prone to flooding than others. Also keep in mind that if you are in certain flood zones that banks require this coverage. It’s important to check with an agent to determine pricing before buying a home. The cost of the policy could be so high that it affects your DTI (debt to income) and a house that was affordable without it is now outside of your price range.
Equipment Breakdown. TVs, HVAC systems and other appliances break down or are damaged. For a low yearly charge, you can be covered. It is a nice feeling to know you will not be responsible for hundreds or even thousands of dollars in repairs.
Identity Theft. Many carriers offer this at a low cost to provide you identity theft protection. The world gets more complicated every day, and this is a smart, and cheap way, to protect yourself from online dangers.
Water Damage. Storms can cause water damage to your home. Leaking pipes also cause problems. Be sure to check that your Fort Myers homeowners insurance policy has adequate coverage for water damage. The age of your home is also hugely important here. You will likely start facing coverage restrictions if your house is over 30 years old. There are options for a partial or full buyback of this important coverage, but only certain carriers offer that. Please call us to review your options.
The team at Goodlad & Swank Insurance works hard every day to offer the most coverage for your money. We strive to offer only the most competitive and thorough rates of any insurance agency in the great State of Florida. Your home is your castle, and we will work with you to provide ways to make your most important investment safer secure. Contact us today to get started.
Ordinance and Law
This is often included but you may wish to increase coverage because building codes are continuously changing. We Floridians learn from storms and revise building methods to make our structures safer. O&L coverage provides for the extra cost to get your house built up to code. Without it, you might have to pay for any shortfall for the changes required to get your house in line with the current building rules.
Water and sewage rising through toilets and drains causes significant damage and is often costly to repair. Even a small amount of standing water can ruin flooring, cabinets, rugs and drywall. That adds up!
Screened Lanais, Florida Rooms and Enclosures
Most insurance carriers have changed how much they’ll cover for screened enclosures. Medium to large enclosures will often fall well short of the cost to repair if you don’t have adequate protections in place. Be sure to discuss this with us if you have any screening.
Do you have a dog? Me, too! I have two, actually. Consider if your dog runs into the road and a car swerves to miss him but also causes an accident. This is a situation where animal liability would be good to have. People commonly think it is only for bites, but it does offer broader coverage than that. You do run into coverage issues with certain dog types. Here’s a list of commonly restricted dogs: Akita, American Bulldog, American Staffordshire Terrier, Belgian Malinois, Bull Terrier, Cane Corso, Caucasian Mountain Dog, Chow, Doberman Pinscher, Dutch Shepherd, German Shepherd, Mastiff, Olde English Bulldogge, Pit Bull, Presa Canario, Rottweiler, Staffordshire Terrier and Wolf or Wolf Hybrids. Fear not, we do have carriers that will still write insurance on your home but will likely eliminate animal coverage.
Golf Cart Liability
Owning a golf cart is awesome but you need to consider having this coverage extension to protect against any bodily injury or property damage.
For 15 miles, Fort Myers’ McGregor Boulevard is lined on both sides with statuesque royal palm trees, the first 200 of which were imported from Cuba and planted by Thomas Edison.
The first tourist to visit Southwest Florida was Spanish explorer Ponce de Leon, who visited Pine Island in 1513 and was later mortally wounded in these same waters by a Calusa Indian arrow.
Family Fun magazine announced its travel awards, the result of polling 2,000 American families to rate their favorite destinations across five categories. The top overall winner was Sanibel, Florida, an island town with ample white beaches and seashells, and the power to chill out even the most high-strung parents and kids.
The sport of tarpon fishing originated in Southwest Florida’s Pine Island Sound in the late 1880s, and Boca Grande Pass, the opening between Cayo Costa and Gasparilla Island, is considered the “Tarpon Fishing Capital of the World.”
Thomas Edison, who spent many winters in Fort Myers, is considered the most inventive man who ever lived, holding 1,093 patents for everything from light bulbs, cement and phonographs to the natural rubber he made from goldenrod.
Lee County area beaches are ranked some of the best in the nation for shelling, with more varieties found here than anywhere else in North America. The shelling posture are so common; they are given names – the Sanibel Stoop and the Captiva Crouch.
You can boat straight across the state of Florida from Fort Myers/Sanibel to Palm Beach via the Caloosahatchee River and Okeechobee Waterway, both part of the Intracoastal Waterway.
The banyan tree at the Edison Winter Home, a gift from industrialist Harvey Firestone, is the largest specimen in the United States. The tree’s aerial roots now have a circumference of more than 400 feet! I visited this past Christmas, and it is amazing how wide this tree reaches. It made me think that redwoods go up and banyans go out!
Koreshan State Park in Bonita Springs commemorates an eccentric religious sect, which believed the world to be a hollow globe, with mankind residing on the inner surface, gazing into the universe below.
Anne Morrow Lindbergh, the wife of America’s famous aviator, wrote her best-selling book, “A Gift From the Sea,” without ever identifying it as Captiva Island.
Legend has it that Spanish pirate Jose Gaspar made his home in Pine Island Sound, reportedly establishing headquarters on Sanibel Island, holding his female prisoners captive on Captiva Island, burying his booty on Gasparilla Island, and imprisoning his beloved Mexican Princess Joseffa on Useppa Island. Rather than be taken prisoner by the U.S. Navy, the scoundrel drowned himself in anchor chains in 1821, the same year Spain sold Florida to the U.S. government for $13 million.
Cape Coral has more canals than the Italian city of Venice.
J.N. “Ding” Darling National Wildlife Refuge, occupying more than half of Sanibel Island, was named for Pulitzer Prize-winning cartoonist Jay Norwood Darling, who was also the first environmentalist to hold a presidential cabinet post (in Franklin Delano Roosevelt’s administration).
Some of the original settlers to the Lee County area were flower growers from the Benelux region of Europe. At one time their horticultural efforts made Fort Myers the “Gladiolus Capital of the World.”
The Beaches of Fort Myers & Sanibel is one of the few places in the world where a person can make a living as a shelling charter captain. Among the rare shells collected here are the brown speckled junonia, sculpted lion’s paw, coveted golden olive, golden tulip and Scotch bonnet. Lee County has banned live shelling and encourages shell seekers to pick up treasures that have washed up on shore.
One of the southernmost land battles of the American Civil War was fought in Fort Myers on Feb. 20, 1865 over cattle, with both sides claiming victory.
Calusa Indian culture, carbon dated to 1150 B.C., had its cultural center in Southwest Florida. Although the tribe is now extinct, ceremonial, burial and refuse shell mounds are found at Mound Key, Pine Island, Cabbage Key, Useppa Island and elsewhere in the vicinity.
Since 1937, the Sanibel Shell Show has highlighted the art and beauty of shelling.
Cayo Pelau is said to be haunted by the ghosts of Jose Gaspar’s pirates who, legend has it, buried their personal wealth here and linger to prevent treasure hunters from disturbing their plunder.
The Beaches of Fort Myers & Sanibel is widely recognized and consistently ranked as one of the nation’s top destinations for beach combing, shelling, kayaking and bird watching.
The walls of Cabbage Key’s historic inn are papered in more than $70,000 autographed dollar bills. About $10,000 a year falls off, which goes to charity. The inn, built by playwright Mary Roberts Rinehart and her son in 1938, serves breakfast, lunch and dinner to guests and boaters at Mile marker 60 on the Intracoastal Waterway. It’s an amazing place to visit and I highly recommend going. The Wells family runs the business know and do a remarkable job. The food and staff are amazing the island is gorgeous. There are huge Royal Poincianas , palm tress and they even have gopher tortoises cruising around nibbling on grass.
Fort Myers’ McCollum Hall, built in 1938, was a renowned “dance hall” that featured nationally famous African-American performers like Duke Ellington, Count Basie, Louis Armstrong and B.B. King.
Credit to the www.fortmyers-sanibel.com website for sharing this cool information.
Goodlad & Swank Insurance is a family-owned insurance agency licensed by the great State of Florida. We are a team that focuses on integrity in our work with clients and insurance carriers. We’re locals just like you and have enjoyed growing our amazing client list since 2009. We understand it’s always easier having your insurance under one roof so offer comprehensive solutions for your insurance needs.
Florida’s home insurance market evolves every day. Coverages that were considered standard 10 years ago are now add-ons or have been dramatically reduced. It’s important to work with an agency that has top carriers and is actively in the marketplace. We understand how complex it seems and want you comfortable and confident in your homeowners insurance policy. Our goal is for you to receive first class customer service with the best coverage options available in Florida.