What’s the difference between homeowners, condo and renters insurance?

Condo insurance differs from homeowners insurance as it excludes areas already covered by the building owner and is usually less expensive. It differs from renters insurance, since it may cover structural components usually not the responsibility of a renter and therefore may be more expensive.

By |2013-12-11T17:11:12-05:00November 27th, 2012||Comments Off on What’s the difference between homeowners, condo and renters insurance?

Do I need flood insurance?

In 2013 FEMA began the process of redrawing many of the maps that determine who is in a flood zone in Florida, and therefore determine who needs to buy flood insurance. Because of this, it is important that everyone understands what flood insurance covers and how to determine if they need to make this investment.

By |2018-11-27T11:53:31-05:00November 27th, 2012||Comments Off on Do I need flood insurance?

Is renters insurance expensive?

Renter’s insurance is one of the best and least expensive types of coverage that a person or family in Fort Myers can buy in today’s market. Running as low as $10-$20 per month.

By |2018-11-27T11:53:31-05:00November 27th, 2012||Comments Off on Is renters insurance expensive?

What is covered by renter’s insurance?

This type of insurance protects all of the belongings of anyone who is renting their residence, and in many cases can even provide some basic liability coverage. However, it is important to understand what is and isn’t covered. Essentially, this insurance covers everything in a tenant’s home or apartment that is not an integral part of the structure. Because the [...]

By |2013-12-11T18:21:43-05:00November 27th, 2012||Comments Off on What is covered by renter’s insurance?

What is the purpose of a personal umbrella policy?

No one wants to have a lawsuit filed against them. The effects of a lawsuit can be devastating and may result in loss of your financial assets, home, vehicles or future earnings. If someone is injured on your SW Florida property or suffers serious injury as a result of an accident caused by you, your spouse or child, you could [...]

By |2018-11-27T11:53:31-05:00November 27th, 2012|, , , |Comments Off on What is the purpose of a personal umbrella policy?

My home is not your typicall 3/2/2. Will a typical homeowners policy cover me in case of a disater?

There are many things that a typical home insurance policy is not going to cover. This is especially true if your home is not typical. At Herndon Carr & Co. we want to provide owners of the finest built homes in Southwest Florida with equally exceptional coverage. Coverage that is flexible to meet your unique requirements, including customized options for [...]

By |2013-12-11T18:27:37-05:00July 31st, 2012||Comments Off on My home is not your typicall 3/2/2. Will a typical homeowners policy cover me in case of a disater?
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