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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Flood Insurance Changes 2013 | Fort Myers, Cape Coral, Florida

Written by Brian Culbertson
September 25, 2013

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),

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5 Times When You Might Consider Not Filing an Auto Insurance Claim

Written by Brian Culbertson
July 02, 2013

If you’re in an auto accident with another car or if you have a passenger(s) in your vehicle, then it is in your best interest and our recommendation to open a claim. There could be long-term health impacts for the drivers or passengers that would be covered under your insurance policy. If there is a chance someone else in the accident could claim they were injured, you should file the claim to protect yourself from an injury lawsuit.

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Standard Versus Non-Standard Auto Insurance

Written by Brian Culbertson
May 07, 2013

Many times I am asked "what is the differences between standard and non standard auto insurance in Florida". The main difference between standard and non-standard auto insurance is the forms they are written on.

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Tips to Reduce Hurricane Claims on your FL Home Insurance

Written by Brian Culbertson
April 18, 2013

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.

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10: Insure Your Car on a Family Plan

Written by Brian Culbertson
October 25, 2012

We have saved one of the very best ways to save money on your car insurance for our last eBook tip! Family Plans are one of the most common discounts in the auto insurance world. Almost every insurer has some type of family plan. By adding multiple cars and drivers together on the same policy, you can save money overall.

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Will my child's personal property be covered while he or she is away at college?

Written by Brian Culbertson
August 29, 2012

Have you ever wondered if your child's computer, clothing or micro-fridge is covered in their dorm room or even in the fraternity they might be joining? Most FL Home Insurance policies provide coverage for personal property owned anywhere in the world for an insured person. An insured person can be defined as the person or persons named directly on the policy decleration's page and that person's resident spouse AND IF a resident of the insured's house, any relative and dependent person in the insured's care.

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Hurricane Claim Frequently Asked Questions

Written by Brian Culbertson
August 25, 2012

When a hurricane event occurs, Culbertson Agency understands your need to get your life back together as quickly as possible. We are dedicated to helping you resolve your hurricane claim promptly. Please view our claims contact page to contact your carrier directly to being the claim process.

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6: Decrease your Auto Deductible

Written by Brian Culbertson
August 02, 2012

Many people never think about – or change – their auto insurance policy, despite the fact that life circumstances may change over time. For some people, it makes more sense to keep a low deductible on their car insurance, but for others, it would be wise to increase the deductible.

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What Shape is My Roof

Written by Brian Culbertson
July 11, 2012

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.

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#7: Types of Florida Homeowners Insurance Policies

Written by Brian Culbertson
November 03, 2011

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.

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