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.
We've taken a ton of calls and emails today as a result of an article in the News Press about flood insurance in Fort Myers and the surrounding waterfront communities of Cape Coral, Bonita Springs and Estero. Below is a brief summary of changes that will go into effect on Oct. 1, 2013 as part of the Biggert-Waters Flood Insurance Reform Act of 2012 (BW12),
When a Tropical Storm or Hurricane is on track to come for a visit, we tend to start thinking, "What If?" One of the questions that can come to mind is "Am I covered for insurance to protect my home and other investment properties?"
It's hurricane season again! Culberton Agency offers some inexpensive tips on how you can prevent damage due to hurricanes and protect against filing claims on your FL Home Insurance. The following steps can help prevent or reduce damage from hurricanes. While some FL homeowners may be able to perform these tasks themselves, we encourage homeowners to consider the potential hazards of heights and using special tools or supplies, and consider hiring a professional to perform these preventive measures.
One of the key premium discounts the you can get on your FL Home Insurance is from the shape of your roof. In this post we will look at the various roof shapes typically found on FL homes and how they can impact your FL Home Insurance.
If you are like most people, you probably haven’t thought about your home and car insurance since the last time you received a bill for it. It’s unfortunate that most people don’t spend more time researching the options for insurance... because there are lots of ways to save money! One of the best ways to save money on your car & home insurance is to bundle it with an Umbrella Insurance policy.
As if we needed another issue to deal with in the FL Home Insurance market, the state has now issued a new FL Wind Mitigation Inspection form for 2012 (2/1/2012 to be exact). Most admitted carriers will require this new form for all new policies beginning February 1st, and may also start requiring re-inspections on existing policies to utilizing the standards as set forth in the new form. We hope to get more info passed along from FL on this towards the end of January.
Have you ever been in a fire or maybe a theft or vandalism? What was the first thing on your mind? Keeping your family safe. After that, you're probably wondering what to do about your home. It can be really frustrating to have to replace parts of you life that are lost in an event such as a fire or theft... So, how do you protect yourself from them and the damage they cause to your home and family?
Obviously, maintaining a good credit score is all around a good idea and makes life easier when trying to make any major purchases. However, Florida insurance companies are also increasingly using credit information to price Florida insurance policies. Here are a few tips of important things you can do right now to begin improving your credit:
After you’ve taken all of the suggestions for keeping your Fort Myers home insurance premium as low as possible, there may event be MORE discounts available to you! Ensure that you are getting ALL of the credits that you may be eligible for. Here are a few to consider. We may have covered some of these in previous tips, but we’ll include them as a reminder.
In order to make the most of your money when purchasing Florida homeowners insurance, you need to know what the coverage includes and how much you actually need. Here are some policies that are basically industry standards. Each “HO” refers to a different type of policy, broken up by what they cover and what they don’t.