Tailored coverage for one of Southwest Florida’s fastest-growing communities.
Family-owned independent agency
Serving Southwest Florida since 2009
Estero has grown from a quiet corridor between Fort Myers and Bonita Springs into a destination of its own. Its mix of upscale communities, retail centers like Coconut Point and Miromar Outlets, and quick access to I-75 and US-41 creates a driving environment that calls for more than Florida’s bare minimums.
Goodlad & Swank serves Estero from our Lehigh Acres office, with access to dozens of carriers across Lee County, so we can compare them for you and explain the differences in plain language.
Florida requires only $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL). Those minimums leave big gaps, so here is what we recommend Estero drivers carry.
Florida’s required coverages. PIP pays 80% of your own medical bills, up to $10,000, whoever caused the crash. PDL pays for damage you cause to other people’s property, and $10,000 rarely covers a modern car.
With higher vehicle values in the area, at-fault claims tend to cost more. Bodily injury liability pays for injuries you cause to others.
Protects you whatever the other driver’s coverage. Florida has one of the highest rates of uninsured drivers in the country.
Wildlife collisions, hurricane season and summer storms make this practical, not theoretical.
I-75 traffic and busy commercial areas justify collision for any car with meaningful value.
Estero isn’t walkable. This keeps you moving while your car is being repaired.
Coconut Point, Miromar Outlets and the surrounding commercial corridors bring heavy traffic, along with parking-lot fender benders and intersection collisions. Carriers factor local accident frequency into ZIP-code pricing.
Estero sits on one of the busiest stretches of I-75 between Fort Myers and Naples, where commuters, trucks and tourists converge at the Corkscrew Road and Estero Parkway interchanges.
Estero residents tend to drive newer, higher-value vehicles, and higher repair and replacement costs translate directly into higher premiums.
Eastern Estero borders undeveloped conservation land, and animal strikes are more common here than in the coastal metro areas. Those claims fall under comprehensive coverage, not collision.
We search every carrier we represent for the discounts you qualify for:
Every discount stacks. The more that apply, the more you save.
A captive agent can only offer one company’s rates and policies. With higher vehicle values and more complex needs, Estero drivers get the most from an agent who shops them all and brings back the best options.
We’re not the insurance company. We’re your agent, and that distinction matters.
Florida requires only $10,000 of PIP and $10,000 of property damage liability. That won’t pay for injuries you cause to others or for damage to your own car. We’ll show you what better coverage costs before you decide.
A captive agent sells one company’s products. We represent dozens of carriers, so we can shop the market and find the policy that actually fits your situation.
Our office is at 702 Leeland Heights Blvd W in Lehigh Acres, and we serve Lehigh Acres, Fort Myers, Cape Coral, Bonita Springs, Estero and Naples. You’re not a policy number. You’re a neighbor.
Butch Swank built this agency on one idea: change the way people feel about their insurance agency. Our team treats every client like family.
Butch serves on the Board of Lehigh Regional Medical Center and co-founded the East Lee Education Cooperative, and Mary sits on the Board for Lehigh Community Services. We don’t just work here. We live here.
Share who drives, what you drive, your driving history and the coverage you have today.
We shop multiple insurance companies and lay out the differences in coverage and price in plain language.
Pick the policy that fits. We take care of the paperwork and stay your point of contact for changes, renewals and claims questions.
Florida’s auto insurance rules and carrier options keep changing. Our family-owned team shops dozens of carriers to get you the most coverage for your money.
