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 info@swflagency.com  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…..no 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 joshw@SWFLAgency.com.  We are your Insurance Answer People.

If I let my Mother in Law borrow my car, is she insured?

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The Problem

Soooo, your mother-in-law needs to run to the airport. Or, your brother needs to borrow your pickup to haul his new big-screen television. They all say they will return your vehicle in an hour.

You may not realize it….But you may be creating a HUGE Problem for yourself.    As an auto insurance policyholder, if you let someone not listed as a driver on your policy drive your vehicle, you could be setting yourself up for an expensive headache.

Sooo…You lend your vehicle….Then, the next thing you know your brother or your mother-in-law is involved in a fender-bender. Or, your brother is rear-ended, your pickup and his new TV damaged. The headache that’s developing is called a lending loss.

Insurance Speak

Your insurance company considers that your act of Lending is giving permission to someone not listed as a driver on your auto insurance policy to drive your vehicle.  Your underwriting of your  insurance policy for acceptance and premium rates has been based upon the driver details, violations and accident history as established by your application and DMV reports.  Lending creates an unknown exposure.  You typically have a driver with unknown driving record and experience behind the wheel of an unfamiliar vehicle.  Research has shown that borrowed cars have a much higher probability of getting into an accident.  Think about it…when you get behind the wheel of an unknown vehicle, it takes time to become proficient and comfortable.  Many drivers who borrow do so because they don’t own a car and don’t have auto insurance.   Insurance carriers discourage “lending” and consider it a reflection on your driving decisions.  If someone drives your car often, they should be added to your policy to avoid the “lending” issue.

The policyholder — and owner of the vehicle — is “primary.” That means he will be liable for anything the driver does to or in the vehicle — legal or otherwise.  Soooo….someone else’s accident could cause you to LOSE your coverage, lose your preferred rate, or worse expose your asset because the loss was greater that your coverage limits. In most states, if you loan your vehicle and then the borrower loans the vehicle to someone else who then gets into an accident, you the policyholder may still be at fault.

Tell the Family

Always remember this about lending your car or truck: Insurance follows your vehicle, but insurance responsibility usually follows the policyholder. Be sure to have this discussion with your driving-age children.

Your teens generally have no idea that it’s not OK to lend the car or let someone else drive.  We even see a few parents who casually hand over their car keys to their kids’ friends.  Bad idea.

The best advise is to never be a lender or a borrower.

Need Insurance advice…Call SWFL Insurance Agency at 239-265-9577 or email info@swflagency.com.

See more about this subject at Who is an insured under your Auto and Homeowners policies?

 

Sooo…Your Driver’s License is being cancelled because you have an LSV without insurance.

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Your first thought is…what is an LSV?  A Low Speed Vehicle is defined as a four wheeled electric or gas vehicle whose top speed is greater than 20 mph, but less than 25 mph.  Many LSV vehicles start out as golf carts and are converted.  The easiest way to tell the difference between a golf cart and an LSV is to look at Registration Numbers. A Golf Cart will have a Serial Number while an LSV will have a 17 digit Vehicle Identification Number.

If you happen to own an LSV and think you have it insured under your Homeowners Policy…..you are not properly insured.  The State of Florida requires the LSV to be insured under a Personal Auto Policy.  Without the proper coverage on file with the DMV, they will cancel your driver’s license.

A low speed vehicle may operate on streets where the posted speed limit is 35 mph or less. The vehicle can also cross intersecting roadways where the speed is greater than 35 mph.  An LSV must be registered with the Florida DMV and have a valid license plate and registration.  An LSV must be insured. Florida law requires PIP or No-Fault coverage and Property Damage Liability at a minimum. We strongly recommend Bodily Injury (BI), Uninsured Motorist (UM), and Medical Payments (MedPay) coverages.

Any low speed vehicle must be equipped with standard safety equipment. NHTSA requires these components: headlights, taillights, stoplights, front and rear turn signals, reflectors, parking brakes, rearview mirrors, windshields, safety belts, and vehicle identification numbers. Significantly, NHTSA does not require LSVs to have airbags, or other safety features beyond seatbelts since they are intended for low risk driving.

You must have a valid drivers license in Florida to operate an LSV……This is not your 12 year old.

Florida DMV has an informational brochure ….Low Speed Vehicles  .

SWFL Insurance Agency, Inc. has a carrier that will cover your LSV.  Call us at 239-265-9577.

Sooo…..I Bought a New Car…No down and 72 months to pay…Problem?

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YES. You are upside down as soon as you drive off the lot. What should you do now?  Make sure you have GAP Insurance…If not, request it on your auto policy pronto.

Gap insurance pays for the “Gap” between what you owe on your car and what it’s worth if it’s total loss in a covered accident, theft or other loss. Some providers—call it Loan/Lease Payoff coverage.

It’s easy to determine if you need it

A quick comparison between what you owe on your vehicle (info you can get from your lender) and what your vehicle is actually worth will help you determine if GAP is for you.

So ask: Do you owe more than the vehicle is currently worth …..You are “upside-down” on the loan ?

If so, and if the car were totaled, could you pay the difference between what you owe and what your vehicle is actually worth  today?

If the answer to that second question is no, then buying gap insurance is probably a solid choice.

What does gap insurance cover? Gap covers the difference between your vehicle’s value and what you owe.

So, let’s say you get into an accident and your insurance company declares the car a total loss. If you have gap insurance, the scenario would play out like this:

$28,000—Amount you owe your lender (principal and interest).

$25,000—Amount your insurance company says your vehicle is currently worth … which the insurance company calls the “actual cash value.”

$3,000—Difference between your loan balance and the “actual cash value” for the car.

$3,000—Additional amount your insurance company will pay if you have GAP Insurance.

Know that this is a simplified example and other terms could apply. Most insurance companies will have Loan/Lease Payoff coverage limits that will pay up to 25 percent of the actual cash value of your vehicle at the time of the loss. Still, that might easily make the coverage well worth a few extra dollars of premium. Coverage language can vary by company. Please review the policy form for coverage language.

Where do you get it? You can buy gap insurance a couple of ways: through your car your auto insurance company, dealer or lender.

The types of losses covered vary depending on the company providing the coverage, so be sure to clarify what is covered before making your decision. And, be aware that if you’re leasing a vehicle, leasing companies often include gap insurance in their contracts automatically.

The cost can vary, too. While most dealers and lenders offer the coverage, it may be cheaper to buy it through your insurance company. Plus, you get the benefit of having it billed as part of your total insurance premium, and generally speaking, the claims process is smoother as you’re working with just one company and one claims representative in the event of a loss.

A couple more things to note about Gap Insurance:

  • To buy the coverage, your lender must be a financial institution rather than an individual and your policy must have comprehensive and collision for the vehicle.
  • To use the coverage, your claim must be covered under comprehensive or collision and your vehicle must be determined a total loss.

Call SWFL Insurance Agency at 239-265-9577 for an Personal Auto quote with GAP Coverage.  Travelers and Hartford have Great Rates.  It only takes a few minutes to a premium quote.

 

What the heck is an LSV (Low Speed Vehicle)?

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Sooo…..You purchased a gas powered “golf cart” that you want to use on the streets in your neighborhood and to take with you on vacation in the Keys. What kind of insurance do I need to purchase? Do I buy car insurance or what? What if my Homeowners Association requires insurance? Did you hear the one about the grand parent who ran over someone with a golf cart in the street and they died?

Does your new vehicle qualify as a Golf Cart or a Low Speed Vehicle? Be careful. If the vehicle is to be used on the street and is registered, then it will most likely have to be insured as an LSV on an Auto Policy with at least Personal Injury Protection and Property Damage Liability. 

If it is a Low Speed Vehicle (LSV), it must meet all of the following Qualifications: 

  • Registered for street use.
  • Can travel in excess of 20 mph, but no more than 25 mph.
  • Has all of the following:
    • Headlights
    • Front & rear turn signals
    • Tail lights
    • Stop lights
    • Reflex reflectors (reflectors on sides of the vehicle)
    • Exterior mirrors mounted on driver’s & passenger’s side of the car or an interior mirror
    • Parking brake
    • Windshield
    • Seat belts
    • 17 Digit VIN – Exception: Not all golf carts/low speed vehicles have a VIN, if that is the case enter all X’s in the VIN field.

If the vehicle is a golf cart that has been converted to an LSV, the Florida title will have a department assigned identification number starting with “FLA”.

 If the vehicle or golf cart qualifies as an LSV, the vehicle must be insured under an “auto” policy that includes PIP (Personal Injury Protection) and PD (Property Damage Liability) at a minimum. Typically there must be an auto policy in force that the LSV will be added to. Progressive Insurance has a program to cover the Golf Cart, the LSV, the Motorcycle, the ATV and other motorized vehicles. If the golf cart does not qualify as an LSV, the vehicle needs to be written in a Motorcycle program. Golf carts that are not registered for street use and are capable of speeds less than 20 mph are acceptable in the MC program. The Motorcycle program does not offer PIP coverage and will not satisfy the statutory requirement of an LSV registered for street use.

Exception for Florida: Progressive Insurance accepts Low Speed Vehicles converted to golf carts in the Motorcycle program if it travels at a speed not to exceed 20 miles per hour. Rates as an off-road use to comply with golf cart; however, may be driven on roads on private property, within gated communities, etc. Please review this brochure from the Florida DMV for more information. Not having the proper coverage can get your drivers license suspended.  

 If you have any questions, contact SWFL Insurance Agency for a review of your vehicle and how to insure it.

SWFL Insurance Agency        239-265-9577             www-SWFLAgency.com          joshw@swflagency.com

Some Really Bad Auto Insurance Decisions that you will Regret….

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We often forget that our auto insurance policies are contracts. Besides paying your premium on time, in order to keep your car insurance rates down you should abide by your car insurance company’s rules.

But how can you abide by the rules when you don’t even know what they are?

Here are 10 common scenarios that people ask about.  If any of these hit close to home, quickly fix the issue before you get in a pickle.

  1. You haven’t added a licensed teen to your car insurance policy.

Withholding information about your teenage driver from your car insurance company is a big no-no.  They will find out….They will either increase your premiums or cancel your policy.  If there is an accident before they find out, the company can deny the claim and cancel your policy or cover the claim and request all back adjusted premiums.

  1. You let your adult child take your car when they moved to another state.

Car insurance companies expect to be informed about these changes.  If your daughter were in an accident, your insurer could say you concealed vital information about the vehicle’s location, deny your claim and cancel the policy. The better way, add the child’s name to the car’s title.  Then your child can buy insurance for the car in her own name and using her new address. This will also allow your child to register the car in her new state, which most states require.

  1. You sold your car to your son but still carry the insurance on it.

Not good. In general, you cannot carry insurance on a car in which you don’t have an “insurable interest.”  Typically those with an insurable interest are the car’s owners, lienholders and co-signers – meaning those who would be affected financially if something happens to the car.

Your child should buy car insurance for the vehicle.  If he’s still a minor, you may have to be on the policy with him.  Minors typically must have a parent or guardian involved in the auto insurance contract.

You could face problems submitting a claim if you have failed to tell your insurance company about the ownership change. Or worse, the car insurance company could say you hid the change as a scheme to get lower car insurance rates, which would qualify as insurance fraud and a reason for it to deny claims and cancel the policy.

  1. You are financing and insuring a car for a relative who lives out of state.

Auto finance companies want evidence that the car loan is in the same name as the insurance policy. Since you’re not the primary driver of the car, nor is the car at your residence, it is difficult, if not impossible, for you to insure the car.

You should contact the finance company to see if it will allow your relative to be the “named insured” on a policy.  If it agrees, your relative has the hurdle of finding an insurance company in her state that will permit her to insure a car she doesn’t own.  If she can find such a company, then she still has to list you and the finance company on the insurance as owner and lienholder, respectively.

If you carry insurance on the car without telling your insurer about the situation and your relative wrecks the vehicle, it’s very likely the accident wouldn’t be covered.  Your car insurance company is likely to call you out for misrepresenting who was driving the car and where it was located, and cancel the policy.

  1. You lend your car to a friend for a few months and don’t notify the insurance company.

Your car insurance policy typically will cover a friend who drives your car occasionally, but it’s a different story when you loan your car out for a long period. The car is now housed someplace other than your residence, and someone else is acting as the primary driver of the car — both circumstances your car insurance company wants to know about.

If your insurance company’s rules allow, you may be permitted to add your friend as a driver to your auto policy, but most car insurance companies don’t want to add a person outside of the household.  If that is the case, your friend should consider insuring the car.  Some insurance companies will allow someone to insure a car that he doesn’t own, as long as the owner is listed on the policy.

If your friend crashes your car, your insurer can deny claims because you concealed pertinent information about the “real” driver and vehicle location. That can leave you and your friend on the hook for damages he caused.

  1. You sold your car and the buyer is making payments but you’re still carrying the title and insurance.

Don’t keep your name and insurance on a car that another person possesses!

First, as the owner – because your name is still on the title — you have vicarious liability for the actions of the person driving the car that you “sold.”

Second, you’re paying for insurance but any claims might not be covered. Your car insurance policy normally covers cars and drivers of your household, not others.

If you’re in this situation, you should sign the title over to the new party. He can easily get insurance once he registers the car — and you will no longer be held responsible for his actions. To protect your interest in the car, make certain you’re listed as the lienholder on the car’s title and auto insurance policy.  That way you’ll be notified if he tries to sell the car or drop car insurance.

  1. You’re delivering pizzas with your personal vehicle.

Most personal auto insurance policies exclude coverage if you use the vehicle to deliver items, whether it’s pizza, newspapers, packages or medical supplies. Insurance companies see unsavory risk in delivery drivers because they are constantly on the road.

If you want to be paid to deliver items, you should change to a business-use or commercial car insurance policy. If you don’t and you get caught driving for deliveries, you’re on your own to compensate others for damages they sustained — and the damages to your own vehicle.

  1. You let an “excluded driver” drive your car.

Big mistake. When you put a named-driver exclusion on your policy it meant that the person listed is not covered under any circumstances and shouldn’t be driving your car.

So if that person gets behind the wheel of your car, even in an emergency, and causes an accident, you and the driver will be the ones to pay for any resulting injuries or property damage.

Hide your keys from any excluded driver in order to lower your risk of financial disaster.

  1. You bought a new car weeks ago and haven’t told your insurer.

If you traded in a vehicle, then your car insurance policy likely extends the same exact coverage to your new car for a limited time. This means if you bought only liability on your old car, your new car would only have liability coverage.

The deadline for informing your insurer about the new car varies by insurer, but is typically 14 to 30 days. Don’t bet on having automatic coverage, either; some car insurance companies don’t give you any.

And if you’re adding a car rather than replacing one, you should buy coverage for it before driving it off the lot.

If you’re outside the insurer’s automatic coverage period, or there is no extended coverage on your new car, and you’re in an accident, your insurance company won’t help you. You’ll be paying out-of-pocket for damages you do to your own car or others.

  1. You haven’t told your insurance company that your live-in girlfriend drives your car.

Insurance companies hate it when you “forget” to tell them about a driver who lives with you or regularly uses your car. Insurers can’t charge you correctly if they don’t know about all licensed household members, including a girlfriend or spouse.

If you recently got married or moved in with someone, let the insurance company know immediately and have the person added to your policy as a driver. If you fail to do so, don’t be surprised if claims are denied if they cause an accident, or if you’re asked to pay back premiums based on the additional driver.

If your car insurance company believes you were intentionally hiding the driver – say your girlfriend has a bad driving record — then it may say you committed fraud by means of misrepresentation. This means your car insurance company can cancel your policy.

Not sure what to do….Call SWFL Insurance Agency at 239-265-9577…We have good rates and know how to best insure your situation. Thanks much.

SWFL Insurance Agency. Newsletter November 25, 2015

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INSURANCE NEWSLETTER                                           November 25, 2015

Timely and Important Topics that can Save Money and Protect Your Wealth    

Happy Holidays from all us at SWFL Insurance Agency and

          SWFL  Insurance Associates,  Your  Insurance Answer People.

  • Open Enrollment for Medicare ends Dec. 7, 2015 Make sure to call your agent for an appointment to review the new plans for 2016. SWFL Insurance Associates, your Florida Blue Agent can be reached at 239-489-1212.
  • Open Enrollment for Under 65 Health Insurance has begun. You can call for appointments now. 239-489-1212.

 

ENTER OUR GIVEAWAY – Win $ 150 Gift Certificate to use as you please.  You can receive One Entry for each Insurance Policy that you allow us to review and provide a competitive quote for.  It only takes a few minutes, can be completed over the phone and more than likely will save you Money. Call Linda at 239-265-9577.

 

  • If you are age 40 or over, you should really take a look at our Personal Auto Insurance premiums with Travelers and Hartford. These carriers are really competitive with Geico, State Farm, Allstate and others. Call us at 239-265-9577 or request a quote at www.SWFLAgency.com.

 

  • We Love Boats…We have markets for any size or value of Boat or Yacht. Getting a premium proposal is really easy. Give us a call at 239-265-9577.

 

  • So….your kid runs over your neighbor’s kid while riding his motorized scooter…Will your Homeowners policy pay medical bills and defend you in a law suit?   You may be surprised. Check out this article Kids Motorized Vehicles at the SWFL Agency Blog 

 

  • You Suck……Your kid’s most recent Tweet could get you sued.   Make sure your Homeowners Policy provides Personal Injury Protection. It is not automatically included. Check out this recent blog article. Internet posts can get you sued!

 

Call 239-265-9577 for a complete review of your liability exposures and your policies.

 

  • Does your Homeowners Policy provide Animal Liability protection? Many do not……Let us review your policy if you are not sure.    Check out the following link…. Dog Breeds Most Often Blacklisted

 

 

  • Keep yourself up to date on Important Insurance subjects. Watch for future Newsletters with new topics of interest. Don’t miss our timely articles on our Blog at www.SWFLAgency.com

 

Call  239-265-9577 for Quick Quotes or visit  www.SWFLAgency.com

 

Providing Auto, Motorcycle, Golf Cart, Home, Condo, Flood, Business Insurance

                                  Health, Medicare and Life Insurance

 

              SWFL Insurance Agency, Inc.               SWFL Insurance Associates, Inc.

     Lee County                         8595  College Pkwy, Suite 160, Fort Myers        239-265-9577

     Charlotte County            3718   Tamiami Trail, Unit C, Port Charlotte      941-624-3444

     Collier County                 2500  Tamiami Trail N. Unit 113, Naples              239-649-4442

SWFL Insurance Agency. Newsletter October 22, 2015

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INSURANCE NEWSLETTER                                                   October 22, 2015

Timely and Important Topics that can Save Money and Protect Your Wealth     

  • Open Enrollment for Medicare began October 15. Make sure to call your agent for an appointment to review the new plans for 2016. SWFL Insurance Associates, your Florida Blue Agent can be reached at 239-489-1212.
  • Open Enrollment for Under 65 Health Insurance will begin November 1. You can call for appointments now. 

 

ENTER OUR GIVEAWAY – Win $ 150 Gift Certificate to use as you please.  You can receive One Entry for each Insurance Policy that you allow us to review and provide a competitive quote for.  It only takes a few minutes, can be completed over the phone and more than likely will save you Money. Call Linda at 239-265-9577.

 

  •  Travelers has really good Auto Insurance Rates. We recently wrote a family with 5 cars and 5 drivers, two were teenage drivers. We saved $ 1,000.+ with Travelers. Prior coverage was with GEICO. We have had similar experiences when pricing Travelers against Allstate and State Farm. Call us at 239-265-9577 or request a quote at www.SWFLAgency.com.

 

  • If you have USAA Homeowners and Flood coverage, you should let us provide a review and premium proposal. We recently saved a new customer $ 3,000.+ on her Homeowners Policy and $2,000.on her flood Insurance. This is what can happen when you do business with an “800” number, like USAA. The complexities of insuring a Home in Florida require a Well Informed Local Independent Agent. We are just that. Take a few minutes and let us save you money. 

 

Give Dairyland Motorcycle Insurance a try !!!!! By Combining Multiple Discounts, Dairyland may be the Best Deal in Florida. Save up to 7% with Dairyland, when your

  • Homeowners policy is provided by SWFL Insurance Agency
  • Rider Group Discounts for Members of HOG, and some 30 additional groups
  • Special Discounts for Military Rider Groups, both active and retired.

 

Do you own a Boat??? Could this be you?? Our insured was operating his ski-boat with 2 friends along as passengers on a lake in Texas. An inner tube attached to a rope was being held down by a cooler at the rear of the boat. The cooler became dislodged and flew out of the boat. When the insured attempted to turn the boat around to retrieve the cooler, the wind blew the inner tube out of the boat and the rope began to uncoil, catching one of the passengers around the leg, launching him into the air and landing him on the boat deck. The Passenger’s injuries included complete tears of his right knee ligaments and tendons requiring surgery. In addition, he sustained a substantial injury to his right hip. He was totally disabled for approximately 6 weeks, unable to drive and has additional lost business income. The primary insurance company tendered its full policy limit which was $500,000 short of the total claim amount. However, the insured was also covered by a Personal Umbrella and payment was made for the remaining amount of $500,000.

 

  • We sell Umbrella Liability Coverrage… Premiums start at $ 250. For $ 1 Million Coverage
  • Do You own a dog? Does your Homeowners Policy provide Animal Liability protection? Many do not……Let us review your policy if you are not sure.  Check out the following link…. Dog Breeds Most Often Blacklisted
  • Not sure what your Condominium Owners Policy covers? Check out this link… What does my Condo Owners Policy Cover?

Watch for future Newsletters with new topics of interest. Don’t miss our timely articles on our Blog at www.SWFLAgency.com

Call  239-265-9577 for Quick Quotes or visit  www.SWFLAgency.com

Providing Auto, Motorcycle, Golf Cart, Home, Condo, Flood, Business Insurance

                                Health, Medicare and Life Insurance

 

    SWFL Insurance Agency, Inc.                           SWFL Insurance Associates, Inc.

     Lee County                         8595  College Pkwy, Suite 160, Fort Myers          239-265-9577

     Charlotte County             3718   Tamiami Trail, Unit C, Port Charlotte       941-624-3444

     Collier County                    2500  Tamiami Trail N. Unit 113, Naples             239-649-4442

 

SWFL Insurance Agency. Newsletter September 21, 2015

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INSURANCE NEWSLETTER                                September 21, 2015

Timely and Important Topics that can Save Money and Protect Your Wealth       

 

  • Attention Condo Owners on Fort Myers Beach and Sanibel….We now offer Condo Owners Insurance Policies that include Wind and Flood coverage. These policies provide coverage for “weekly rentals”. Call 239-265-9577 for a comparison premium quote. 

 

  • We offer very competitive Auto Insurance Premium rates for “Seniors” through the Travelers Insurance Company. Call us at 239-265-9577 or request a quote at www.SWFLAgency.com.

 

  • It is Hurricane season again….Make sure your Homeowners, Condo Owners and Flood Policies are up date and that the insured values are accurate. Do not assume that everything is fine, have your policies reviewed today. Make sure your “Replacement Cost” has been evaluated. We offer free reviews and premium quotations with no obligation.

 

  • Dairyland Motorcycle Insurance can Save you Money   !!!!! By Combining Multiple Discounts, Dairyland may be the Best Deal in Florida. Save up to 7% with Dairyland, when your Homeowners policy is provided by SWFL Insurance Agency
  • Rider Group Discounts for Members of HOG, and some 30 additional groups
  • Special Discounts for Military Rider Groups, both active and retired.

 

  • Flood Facts…To be considered a flood, the water that causes damage must have covered at least two acres or have affected at least one other property. Also, if your home sustains any mold or mildew damage that you could have prevented from occurring, your policy won’t cover such damage. Additional living expenses and business interruption is not covered.

Call if you have questions.   239-265-9577

  • If you have had a Wind Mitigation Inspection of your home, you may be able to create serious premium savings for years to come by having your roof truss to wall metal connection updated by adding nails. Give us a call to discuss. Every home is different. We will need to review your wind mitigation report, so have it handy when you call. Some of our clients have saved as much as $ 1,000. per year on Homeowners premiums.
  •          Watch for future Newsletters with new topics of interest.
  •          Don’t miss our timely articles on our Blog at    www.SWFLAgency.com

Call  239-265-9577 for Quick Quotes or visit  www.SWFLAgency.com

 

Providing Auto, Motorcycle, Golf Cart, Home, Condo, Flood, Business Insurance

              Health, Medicare and Life Insurance

 

    SWFL Insurance Agency, Inc.               SWFL Insurance Associates, Inc.

     Lee County                         8595  College Pkwy, Suite 160, Fort Myers       239-265-9577

     Charlotte County             3718   Tamiami Trail, Unit C, Port Charlotte    941-624-3444

     Collier County                  2500  Tamiami Trail N. Unit 113, Naples           239-649-4442