Sooo You Operate a Business from Your Home…Note to Self…My Homeowners Policy will not cover My Business Property or Liability.

     Most people often believe that their existing Homeowners, Condo or Renters insurance  Policy will cover any loss or damage to their business equipment, furniture and supplies in the event of Fire, Theft or other catastrophe, when in fact, those policies usually explicitly exclude coverage for any business exposures on their premises.

The Home Business Policy, can solve this problem.  However, is not intended for all types of home businesses. It is specifically targeted for over 100 retail and services risks operated from the insured’s residence and presenting minimal product liability, professional liability and/or off-premises exposures.

Policy Benefits:

  • Provides coverage for over 145 classes of small retail & service-type home-based businesses
  • Affordable Premiums
  • General Liability coverage up to $1 million
  • Loss of business income protection up to 12 months available
  • Broad coverage with on premises theft included
  • Carrier is admitted and A.M. Best “A+” rated
  • Up to $100,000 (varies by state of risk) comprehensive coverage for business personal property both on and temporarily off premises

Popular Business Classes Include:

  • Residential Inspection Services
  • Real Estate Agents
  • Insurance Agents
  • Mortgage Brokers
  • Teacher/Tutors
  • Photographers
  • Accounting Services
  • Bakers
  • Computer Consultants
  • Interior Decorating
  • Jewelry (Costume)
  • Art Gallery / Art Studio
  • Crafts

Call us today to discuss your business and obtain a premium proposal.  Policies start at $150. Only takes a few minutes.

SWFL Insurance Agency, Inc.

8595 College Pkwy. Suite 160, Fort Myers, FL 33919


Elevation and car maintenance in Fort Myers

People who know their way around cars will tell you that you’re looking at a loss of about four percent power for every thousand feet of altitude away from sea level. So at 1k above sea level, 100hp becomes 96hp. This is such an odd quirk that it almost sounds like superstition, but the science backs it up.

The issue at play is air density. Closer to the ocean, the air is very dense. Towards the continental divide, the air is relatively thin. This has an effect on the fuel delivery system. Newer systems will adjust for this, but old carburetor systems do not.

There is less compression going on in your car, as well. At a higher altitude, you can use low octane gas, for instance, because lower compression means that a high compression engine is less likely to pre-ignite.

Forced-induction, or turbo/supercharged cars, can negate some of these issues and compensate for the thin air, which is why most airplanes use this means of fuel distribution.

Put simply: High elevation affects air density, creating less oxygen per each cubic foot. This means that your car is going to perform differently at a high altitude than it will closer to the ocean. In Fort Myers FL, you don’t have to worry about this too much, but if you ever take your car on a long road trip into the Southwest or Colorado, for instance, you may see some major performance issues.

Without proper care, you may wind up making a claim to SWFL Insurance Agency Inc. for a damaged fuel pump following a long road trip. In other words, if you drive an older car, it may be wiser to rent an auto if you plan on traveling too far from Fort Myers, FL to keep your premiums as low as they were when you first contacted SWFL Insurance Agency Inc.

Do You Have Enough Coverage?

Home insurance is a safety net of sorts that can help you rebuild if your home is destroyed. This means that if your home is destroyed by fire, damaged by storms, or damaged by a break in, your home owner’s insurance will help you recoup the cost of getting your home back to normal. For those that live in the Fort Myers, FL area, the agents with SWFL Insurance Agency Inc. can help you determine what level of coverage you need.

The main issue that comes with not having enough coverage has to do with the rise and fall of rebuild prices. What would have cost $100,000 to rebuild ten years ago could easily cost $150,000 to rebuild today with the inflation of building materials and the increased cost of labor as well? This means that each year you should reevaluate the amount of home coverage that you have.

Other factors like upgrading your home and doing remodels can also make your home worth more and therefore increase your need for coverage. On top of that, buying expensive things in your home can make it necessary to raise the amount of contents coverage that you have as well. It is critical that you evaluate how much coverage you have ever so often to make sure that you are going to have enough coverage if something happens.

No matter what, keeping coverage fluctuations in mind is going to be the best way to make sure you have enough coverage. Your agent can help you determine just how much coverage you need and an adjuster can help you adjust the amount of coverage that you have. SWFL Insurance Agency Inc. serves the Fort Myers, FL area and can help you find the right coverage today.

Family Risk Questionnaire


 SWFL Insurance Agency, Inc.  /    Family Risk Questionnaire

Please Compete and Return so we may update your account

Customer:                                                       Phone:                                Email:

Auto Insurance

If we do not provide your auto Insurance, can we provide a Proposal? Yes _____  No _____

Do you presently carry adequate Liability and Uninsured Motorist coverage?   Yes _____  No _____

How much is your net worth?  You should have liability limits to protect this wealth.

Can we provide you with a quote for increased Liability and Uninsured Limits?   Yes____   No___

Do you have electronic device/equipment that has not been declared?  Yes____  No _____

Do you have regular use of a vehicle that you do not own? Yes____  No _____

Do you need Rental Reimbursement and Towing and Labor coverage?  Yes____  No_____

Have any vehicles been titled to a Trust or another family member?  Yes ____  No______

Do you have recreational vehicles (boats, motorbikes, motor homes, golf carts, LSV? Yes ____  No______

Do you have any vehicles not listed on this policy? Yes ____  No______

Do you have drivers or persons who live in household not listed on policy? Yes ____  No _____


Home Owners Insurance/  Condo Owners Insurance

If we do not provide your Home or Condo Insurance, can we provide a Proposal? Yes ___No___

Costs of construction of homes increases every year.  Insured values should be reviewed each year.

Are your home and contents insured to 100% replacement cost?  Yes ___No___

Do you carry adequate Additions and Alterations for your condo?    Yes ___No___

Do you rent your home or condo to others?    Yes ___No___

Valuable items such as jewelry, furs, silver, guns typically have limited coverage under the HO Policy.

Do you have valuable items that need to be insured?  Yes_____  No_____

Are you interested in higher Liability Coverage Limits ?  Yes_____  No_____

We recommend that you consider purchasing an Umbrella Liability Policy.  Can we quote?  Y__  N___

Are you interested in Personal Injury coverage (libel, slander, defamation)?  Yes_____  No_____

FLOOD coverage is not included in the Homeowners Policy?

Do you need a quote for flood insurance?  Yes_____  No_____

If Wind/Hurricane coverage is not included in your Homeowners Policy, do you need a quote? Y___N__

Do you need Excess Wind or Flood coverage?  Yes_____  No_____

Do you operate a business from your home?  Yes_____  No_____

Do you own rental property or vacant land or a farm?  Yes_____  No_____

Do you have domestic employees in your home?  Yes_____  No_____

Have any property deeds been changed to another family member or trust?  Yes_____  No_____

Do you have pets?  If so what kind?  ________________________

Do you have children living away from home or away at school?  Yes_____  No_____

Do you have a pool ?  Do you have an enclosure?  Do you need insurance?  Yes_____  No_____

Do you have a dock?  Do you have a boat?   What kind and size?  _____________________

Do you have a new roof or new hurricane protection?   Yes_____  No_____

Have there been other changes that we should be aware of?  Yes_____  No_____

Do you have a significant other, roommate, etc. living with you….No Liability or Property coverage is provided for them…….discuss with agency.

NOTE:  This may not be a complete listing of every possible risk exposure that your family may have, however this list does include the majority of the most common exposures that occur. Please discuss with us any situation in which you may not be sure of coverage.

Thank you for taking the time to review and respond to this questionnaire.  These are important considerations for your valuable insurance coverage.  We look forward to assisting you with any new quotes that you may request.  We Value and Appreciate your Business.

Please copy and print this list as needed.

Please call us at 239-265-9577 or email  with any questions or requests.

Thanks much.

SWFL Insurance Agency

Sooo….Your fiancé, who lives with you, is driving your car and has a serious accident….Will your auto policy respond?

Today, over 50% of American households are occupied by individuals, roommates or unmarried couples.  If you fall into the living together but not married category, you should be very careful making any assumptions about how your insurance policies may respond to a Liability or Property loss.

Home Insurance

Coverage restricted to named insured, resident relatives by blood, marriage, adoption or someone under 21 in foster care.  Girl friends, boy friends, fiancés, roommates, tenants typically have no coverage extended to them.

No coverage extended to non insureds for liability losses or defense activity or costs.

No coverage for personal property of non insureds.

Example of problem….your girlfriend and teenage son live with you.  Her son is playing sandlot football and injures another child.  The parents of the child are suing the girlfriend / mother for medical bills and damages… coverage would extend from your homeowners policy.  The girlfriend should have a Renter’s Policy to provide liability and property coverage for she and her son.

Auto Insurance

Be wary of the definitions of “Named Insured” under the different coverage parts of the Personal Auto Policy.

Be very careful allowing any “non insured person”, especially those living with you, to use your vehicle on a regular basis.  There are exclusions that apply to such situations.  If you both use each other’s vehicle on a regular basis, you should consider having your girlfriend added as a driver on your policy and likewise adding you as a driver to her policy.

Need to discuss your life situation and how your insurance will apply, give SWFL Insurance Agency a call at 239-265-9577 or email me at  We are your Insurance Answer People.

3 Scenarios That Call for More Home Insurance

It’s not enough to have home insurance in Fort Myers, FL. You also have the right amount of home insurance. With the possibility of a disaster happening ever-present, you can get peace of mind knowing that your home insurance company may help you financially. However, you must have enough insurance to cover your home. However, if any of the following scenarios apply to you, then you should contact us about getting more home insurance today.

Your Home Appreciated in Value

Home values appreciate over time. When your home increases in value, your home insurance policy from last year may not cover the increase. If so, then you could be responsible for paying for the difference. Too little insurance can result in a deficit that is thousands of dollars. If you suspect your home has appreciated in Fort Myers, FL, call us today to increase your home insurance policy.

You Haven’t Had Your Home Insurance Reviewed in a Year

Many people avoid an annual review of their home insurance policy. They think it’s a waste of time. However, not reviewing your home insurance could leave you with a policy that fails to meet your needs. Our insurance agents offer our clients free annual reviews. The review could mean the difference between having enough insurance and not having enough. If you haven’t had a review in over a year, we recommend that you give us a call today.

You’ve Remodeled Your Home

A home remodeling project takes a lot of time and energy. You want to make sure it’s done right. However, a home remodeling project should trigger a call to your home insurance company. By adding on to your home, you could be increasing the value of your home. As such, it’s imperative that you ensure you have enough home insurance to cover the addition.

Your home insurance policy is affected by change. To ensure you have enough home insurance gives us a call today so that we can review your policy.

3 Things You Can Do To Lower Your Insurance Rates In Fort Myers, FL

Lowering your insurance rates in Fort Myers, FL basically means two things: Understanding the laws and regulations that dictate the roads and the insurance industry in the sunshine state and being a safe, reliable driver. Here are a few ways you can generally expect to lower your insurance rates:

  • Take advanced driving courses

With advanced driving courses, you’re proving to the courts and to your insurer that you’re devoted to being a better-than-average driver. You’ll be seen as a lower risk, and in most scenarios, this will get you some discounted rates.

  • Get your credit in order

Being reliable, proving that you’re low risk, has as much to do with proving that you’re financially reliable as it does with proving that you’re a safe driver. You can get a free or cheap credit score check before buying a new insurance policy, and make sure to deal with any outstanding debts you may have.

  • Stay up on the law

Florida is a no-fault state, meaning that your insurer will cover your ends no matter who is at fault. This means that you can’t drive around with a slim policy and expect that the other party will be found responsible. No matter how safe of a driver you may be, if you’re in an accident, you are most likely to be the one whose insurance is covering your damages. This is true no matter what provider you find through SWFL Insurance Agency Inc. It’s important to keep your insurance rates low so that you don’t have to settle for the minimum required policy. If you’re a safe driver, then you will pay less, and you will have a lot more options available to you in getting good coverage.


Vacant Homes being Renovated or Remodeled…Hard to Insure?

Sooo….you purchased a home that has been vacant, and you do not intend to immediately occupy.  Your intent is to have the house remodeled before you occupy.  This situation can present a difficult insurance problem.

Most Homeowners and Dwelling Insurance policies have a limitation on how long a home can be vacant before coverage will no longer be afforded.  Vacancy typically means no furnishings, no one living in home.  Each policy will have specific language regarding what constitutes vacancy.

The best way to provide coverage in this situation is to purchase a short term policy, typically a dwelling policy form for the period of time that the house will be renovated.  This will typically be a named peril policy with loss by theft being excluded.  Wind coverage will be available based on location in the county.  Contents coverage may be available.

Once the renovations are complete and the home is occupied, a standard Homeowners Policy should be available, dependent on whether it is rented or owner occupied.  Every situation will be unique.

When you have vacant property of any kind, call SWFL Insurance Agency at 239-265-9577.

We have extensive markets and are able to place your property coverages at the best price.




Home Insurance and Your Belongings in Fort Myers, FL

If you live in Fort Myers, FL, there are many types of insurance that you might have to pay. If you own a home, a type of insurance that you may have is home insurance. While legally, you can own a home without home insurance, many lenders will require you to have this coverage if you are to finance your home with a mortgage.

Many people do not know this, but home insurance does not just cover the physical structure of the home. It also covers personal belongings that are located inside the home, such as clothes, furniture, and even sports equipment. If these items are destroyed by a natural disaster or other insured disaster, or if they are stolen, they will be covered by home insurance. Generally, the coverage is 50 to 70 percent of the insurance on your homes physical structure. The best way to determine whether this is enough for you is to perform an inventory of what is in your home. In fact, this coverage can extend to items that are not on the premises, as well as up to $500 of coverage for unauthorized credit card expenses. Plants, such as shrubs and trees, in the yard, are also covered, as are expensive items such as fur coats and jewelry (but only to a limited extent).

If you want to know more about which of your belongings will be covered by home insurance in Fort Myers, FL, you can go to the professionals at SWFL Insurance Agency, Inc. to get a great deal of useful information. SWFL Insurance Agency, Inc. has many individuals who can answer a variety of questions when it comes to how home insurance can affect you in terms of your belongings, as well as anything else having to do with home insurance.

Fall Season Risks: Why Fort Myers Residents Should Fear the Changing Seasons

There are a lot of things that Fort Myers, Florida homeowners – both new and old – need to take into account when the seasons change. Every state has its own differences with respect to the changes of the seasons; Florida, in particular, does not have the same seasonal changes for fall that Minnesota does, for instance. No leaves changing, and while the weather does cool off, it is a lot less substantial due to its location to such a degree that it has been joked that it’s just three seasons of summer and one season of Christmas. While the temperature does not prove too much a problem – and exiting the hurricane season is always a welcome treat – the  changing seasons have some unfortunate issues, particularly with the entry into fall.

One thing to note is that even when fall weather starts to roll in, you may still have to worry about hurricane and tornado weather, so try not to become complacent; high winds can be damaging, so it does not hurt to keep an eye on that. As fall comes, you should also be mindful of the dryer weather harming your home. The effects of dry weather can be significant on woodwork and furniture that are well-warmed, so if you do not use air conditioning during the hot summer months, you may find that the dry air is more likely to put moisture into these things. This is especially a problem for Fort Myers, Florida residents as well as other residents of the state.

If you are in need of insurance to avoid the consequences of fall’s characteristic dry weather, be sure to contact SWFL Insurance Agency, Inc. We can look over your insurance situation and try to get you the insurance coverage that you need.