How to Be an Educated Shopper on Homeowners Insurance

We want the same thing for you, so here are some Home Insurance basics from the Culbertson Agency to get you on your way.  

Primary Coverage on Florida Home Insurance Policy

Coverage A | Dwelling

Protects against the damage and possible loss of your home in the event of a covered claim such as a hurricane, hail, lightening or fire. (Separate policies are needed for flood and earthquake insurance.)  It’s important to have enough dwelling coverage, but not too much.  Our agency does a complete dwelling replacement evaluation of your property to make sure we have just the right amount of dwelling coverage on your Florida home.

Coverage B | Other Structures on your Property

In Florida, this is typically a detached garage and other structures on your property not connected to your home.

Coverage C | Personal Property (contents)

Take your home, flip it upside down, and shake it.  Everything that falls out is likely Personal Property.  This is your STUFF.  Computer, TV, furniture, clothing, guns, jewelry, etc … we recommend writing these items as Replacement Value versus Actual Cash Value.

Coverage D | Loss of Use

Provides for your living expenses in the event that you cannot live in your home due to a covered claim. This type of coverage typically covers hotel and restaurant bills and other living expenses you may incur while your home is being repaired.

Coverage E | Personal Liability

In the event that you or anyone in your household is accused of accidentally causing injury or damage to property, your Florida home insurance liability coverage can help by providing for legal defense fees and, in the event of a settlement or judgment, can pay damages (up to your policy limit).

Coverage F | Medical Payments

Guest medical coverage, included in most residential insurance policies, provides protection for your guests, should they be injured in or around your home accidentally.   Typically, policyholders with guest medical coverage can feel confident in their ability to help pay for reasonable and necessary medical expenses (up to policy limits) caused by accidents at your home that are not covered by liability protection.
Additionally, you’ll want to also become familiar with


All Other Perils (AOP)

Normally $1000.  A higher deductible can yield a lower annual premium, but more out of pocket expense in a loss.  A lower deductible will mean less out of pocket if you file a claim, but a higher rate on your homeowners policy.


Normally 2% of Dwelling Coverage A (although higher and lower deductibles are available).  One very important reason to not have your dwelling coverage higher than it needs to be is that your Hurricane Insurance Deductible is a percentage of the dwelling coverage.  For example, a home with $200,000 in dwelling coverage and a 2% deductible, will yield $4000 being deducted from the final claim payout.


Some companies exclude items that are normally included (ie Pool Cage/Screen Enclosure, mold coverage, rain driven rain coverage, etc).

Florida Home Insurance Discounts & Savings 

Wind Mitigation Discounts

Save BIG … up to 60% based on features to the roof of your home.  If you haven’t had an inspection, we know local Fort Myers, Naples and Cape Coral based inspectors who can  inspect your home with 24 hours notice.

Multi-Line (Home + Auto) 

Save depending on your Florida Home Insurance for having home and auto with the Culbertson Agency.

Protective Devices

Save depending on the combination of installed protective devices such as Fire and Burglar alarms.
Renovated Home

55 or older and retired

That's right, many of the companies will give discounts just because you are over 55 and retired.  The assumption is that you are home more, and have a much less likelihood for theft or other damage to the property.  

You can get an insurance “quote” from many Florida and National insurance companies both online or when you call into their national call banks.   But talking with a local Florida Homeowners Insurance specialist right here in Southwest Florida such as the Culbertson Agency will allow you to talk with a professional and licensed agent and get a quote customized for your personal needs and situation.