Fort Myers Insurance Agency Celebrates Three Year Anniversary

Written by Brian Culbertson
September 05, 2013

Three years ago, husband and wife entrepreneurs Brian and Karen Culbertson and recently married agents David and Kristen Cantoni opened the Culbertson Allstate Insurance Agency in Fort Myers. As a scratch agency, they started with no customers, no accounts and no revenue. Since then their Fort Myers insurance office has become the top producing property and casualty Allstate location in the state of Florida.

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Fort Myers Insurance Agency Featured on NBC-2

Written by Brian Culbertson
July 24, 2013

I was honored and a little nervous this last week to be interviewed for a story that local news station NBC-2 in Fort Myers was doing titled "Why are your home insurance rates going up?" Like all news stories, my 15-20 minute interview ended up being about 10 seconds worth of sound bites, but I did appreciate that at the end of the message the reporter used my recommendations on what homeowners can do to lower their rates, and that it seemed to be a pretty even sided review of an answer to this so often asked question.

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Cape Coral Ranks # 1 in Florida on 2013 Best Driver Report

Written by Brian Culbertson
August 28, 2013

he Allstate Insurance Company today released its ninth annual “Allstate America’s Best Drivers Report®.” The report, based on Allstate claims data, ranks America’s 200 largest cities in terms of car collision frequency to identify which cities have the safest drivers.

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State Farm received approval for 18.8% rate increase on Florida Home Insurance

Written by Brian Culbertson
April 09, 2011

Florida regulators just approved an average rate increase of 18.8% for Florida homeowners who are covered by State Farm. This according to state documents filed today. State Farm originally requested a 28% average statewide rate increase in Florida.

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State Farm Florida Is Going State Wide With The Intentions Of Raisin

Written by Brian Culbertson
February 04, 2011

In the Florida Home Insurance Market, State Farm is calling for a statewide increase of 27.7% on average. They are naming increased sinkhole claims as the reason for these price hikes. This request is coming as Florida officials are trying to negotiate a deal over how to address the rising cost of sinkholes in preparation for its legislative session which will take place on March 8, 2011.

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First Home Insurance Requests a 40% Rate Hike

Written by Brian Culbertson
December 17, 2010

Florida officials recently held a hearing on a statewide average home insurance rate hike of 39.3 rate increase for First Home Insurance Co., a Florida domiciled insurance company based in Maitland, Florida. This is not a company that we represent currently at the Culbertson Agency. This is a statewide average, however, rates could vary by area.

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Florida Auto Insurance Fraud

Written by Brian Culbertson
December 17, 2010

Did you know that Florida has ranked # 1 in insured losses from staged accidents and questionable claims in the United States since 2007? More than 27% of the nation’s stages accidents reported in the first half of 2009 occurred in Florida. Five of America’s 10 worst cities for losses related to staged accidents and questionable claims are in Florida: Tampa (#2), Orlando (#4), Miami (#5), West Palm Beach (#7) and Hialeah (#10). Central Florida accounts for more than 25% of the questionable claims in the state.

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Homeowners Choice Citizens Take Out

Written by Brian Culbertson
November 05, 2010

Home Insurance can provide critical resources in the event of a natural disaster. Those living in Florida are particularly familiar with the damage a severe storm can bring. Those living in areas more prone to weather-related damage should familiarize themselves with home insurance companies and their offerings.

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Spotlight on Florida's Home Insurance Crisis

Written by Brian Culbertson
September 19, 2010

State insurance regulators will hold a public symposium next month in the Orlando area about how to improve the state's stormy property and home insurance industry. This month, the Office of Insurance Regulation approved a 15 percent average increase for Royal Palm Insurance.

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Citizens Property Insurance Argues for Higher Rates

Written by Brian Culbertson
September 07, 2010

Citizens Property Insurance made its pitch at a public hearing in Tallahassee on Tuesday to raise homeowners rates an average of 6 percent to 11 percent, depending on the line of business. The state-run carrier, the largest property insurer in Florida with about 1.2 million policies, writes policies for those who cannot find coverage in the open market.

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Many Florida Home Insurance Companies Raising Rates by Double-Digits

Written by Brian Culbertson
September 02, 2010

Naples, FL - Across the state, homeowners are feeling the pain of higher home insurance rates. In Southwest Florida, some State Farm policy holders have seen their rates increase by more than 40 percent this year. While the state’s largest private insurance carrier got state approval to raise rates by an average of 14.8 percent in December, some homeowners have seen much bigger increases. That’s because the increase is a statewide average and State Farm also has dropped its voluntary discounts for customers with no claims, multiple policies, and burglar or smoke alarms.

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Explorer Insurance Driving Out Of Florida

Written by Brian Culbertson
September 02, 2010

Due to our deteriorating results in Florida, we are reducing all commissions to zero percent, effective Sept. 7, 2010. We appreciate your continued understanding and support. That e-mail, sent Sept. 3 from Explorer Insurance Co. to its 400-plus Florida authorized agents, put the brakes on the company’s auto insurance business in the Sunshine State.

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