Wise Counsel

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

Written by Brian Culbertson
December 04, 2018

Although you’ve been mindful to check that your windows are able to withstand bad weather, a storm hit and destroyed some of your fencing.

Is this damage covered by your homeowner's insurance policy? The short answer is, yes. Let’s see what is and what isn’t covered by your homeowner’s insurance policy.

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How to Protect Your Car from Love Bugs

Written by Tyler Small
May 10, 2018

The best thing that you can do to protect your vehicle is to prevent the damage in the first place. If the bug acid has already done some damage, you will HAVE to paint; there’s simply no way around it. Don’t waste your money on paint repair kits. They will help, but they will not give perfect results. As a matter of fact, paint repair kits—like touch-up paints—won’t come anywhere close to looking good. It’s better to protect your paint than repair it.

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Top 12 Causes of Death in the U.S.

Written by Tyler Small
April 06, 2018

For more than 30 years, the U.S. Centers for Disease Control and Prevention (CDC) has been collecting and examining causes of death. The CDC says that they collect and study this information for purposes of determining resources regarding healthcare, but we can also take these statistics to help make our lives better. I was surprised to see that the top 2 account for about 47% (that's almost HALF!) of the causes of deaths in the United States.

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

Written by Tyler Small
February 16, 2018

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.

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The Top 7 Things That Affect Your Home Insurance Premium

Written by Tyler Small
January 17, 2018

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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Agency News

City of Palms Classic 2017

Written by Tyler Small
December 08, 2017

The Culbertson Agency of Fort Myers is a sponsor for the City of Palms Classic basketball tournament happening at the Florida SouthWestern State College's Suncoast Credit Union arena from December 18th to the 23rd.

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2017 Back to School Supplies Drive

Written by Brian Culbertson
July 24, 2017

Refuge Church (Located at 1901 Brantley Road in Forty Myers, FL behind the Eager Beaver Car Wash) is collecting school supplies for locally underprivileged students. Will you help us fill 150 or more backpacks?

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

Written by Tyler Small
April 21, 2017

The Culbertson Agency prides itself in is that we consistently make the top lists in our industry and recently, one of our Naples insurance agents was featured in Five Star Professionals portion of the Gulfshore Magazine.

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

Written by Tyler Small
March 17, 2017

When food was mysteriously disappearing in the Culbertson family's kitchen, they decided to catch their dog Yogi in the act. After being encouraged to upload the video to America's Funniest Home Videos, Brian Culbertson thought it would never win.

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

Written by Tyler Small
March 07, 2017

We're giving $1,000 to the Hoops on Mission through a grant from a foundation as a part of the Hands in the Community Program.

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Good Tidings

2017's Top 10 Dangerous Toys

Written by Tyler Small
December 14, 2017

This is one of those things that crops up every year around Christmas because it's the time of year when toy-buying is highest. I can remember being a kid playing on the living room floor with a jump rope and I remember wrapping it around my neck to play like I was wearing it as a kind of necklace when my mom suddenly urged me to take it off because I could strangle myself. This was in the eighties just before the time of the Cabbage Patch Kid doll that would eat little-girls' hair.

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Candyman: The Story Behind the Halloween Urban Legend

Written by Tyler Small
October 31, 2017

Are your kids at risk to receive razor blades in their apples on Halloween? How one man perpetuated an urban legend that continues to this day and how it relates to insurance.

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Fort Myers Family Staycation Itinerary for Under $2,500

Written by Tyler Small
March 21, 2017

The Culbertson Insurance Agency of Fort Myers likes to give back to the community by raising awareness of the wonderful place that we live in and the many recreational and vacation amenities that we take for granted here. We've put together a sample one-week vacation that you can have for a couple up to a family of 5 for less than $2,500.

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Best Things to do in Naples on a Staycation

Written by Tyler Small
March 09, 2017

We've got beaches, golf courses, and resort hotels! 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.

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Best Things to do in Cape Coral on Staycation

Written by Tyler Small
February 24, 2017

The Culbertson Agency has put together a list of the best things to do in Cape Coral on a staycation. Whether it's boating, fishing, kayaking, or camping, Cape Coral has many opportunities for fun and recreation.

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