Residents of Ft. Myers know that one of the prime attractions of the area is the weather. But it is also true that the weather can wreak havoc, and that’s why it is so important to have a comprehensive homeowner’s insurance policy to protect your home.

Nationwide, the most common homeowner’s claims are related to water damage, fire, visitor accidents, and animal attacks. In the Ft. Myers area, the most common claims are weather-related; primarily due to wind and water damage.

It’s important to find an independent homeowner’s insurance agency in the area that can provide you with the comprehensive coverage you need to protect your home. Local insurance agencies are conversant with the seasonal weather extremes and understand exactly what type of coverage you need for your home.

Your home is most likely your most substantial investment, so it’s imperative that you take steps to protect that investment with an insurance policy that will provide the financial assistance you will need should your home sustain damages of any kind. A policy will also protect your home and your finances should it be vandalized, or if a visitor accidentally gets hurt while in your home or on your property.

If your home should become uninhabitable, even for a short period of time, your insurance policy will help you pay the cost of temporary living expenses until such time as you can return to your home. If your home sustains major damages, an insurance policy will help you pay for the costs of repairs—costs that you may otherwise not be able to afford.

You Can Reduce the Cost of Your Insurance

The safer your home is, the cheaper your policy will be. This is just good common sense. If you have a flagstone path that is broken and crumbled, it is far more likely a visitor will stumble and fall, and that means you will be liable for medical costs. If you don’t have a good alarm system in place, your home is more likely to get burglarized, and that means you could end up with a property theft claim. If the shingles on your roof are loose, you are far more likely to sustain serious damage to your home due to extreme weather, such as a hurricane. It follows then, that the more you do to make your home safe and secure, the more money you will save on insurance costs.

Shop Around for the Best Deal

Homeowner’s insurance isn’t something you should skimp on. The cheapest choice may not be the best choice. Be sure to compare coverage amounts and policy costs. At the very least, homeowners in Ft. Myers need to insure against wind storm damage and water damage because those are the two major ways your home can get damaged by Florida weather. Get an up-to-date assessment of the cost to replace your home, and do this every year to make sure you have adequate coverage. Even if you have made no significant home improvements in the previous year, the building replacement costs may be higher due to fluctuations in the cost of building materials and labor.


Herndon Carr
10501 Six Mile Cypress Pky #101
Fort Myers, FL 33966