Safety on the Road: Benefits of Good Motorcycle Insurance

Just like car insurance, motorcycle insurance provides you with financial protection.  When considering motorcycle coverage, it may be tempting to just get the minimum liability policy required by the state.  This, however, doesn’t provide you with the many benefits you’ll have with a more adequate policy.  Our team of agents at SWFL Insurance Agency Inc. works with motorcycle owners throughout the Fort Myers, FL area to understand their options. This helps clients make more informed decisions. 

Comprehensive and collision coverage offers many benefits that aren’t available when you choose minimum liability coverage.  For instance, if you are found to be at fault for a wreck and have minimum liability coverage, the injured party’s medical and repair costs will be covered.  It won’t cover any of your expenses.  With a more comprehensive policy, your repairs and medical expenses will also be covered.  This includes protection even if you are hit by an uninsured/underinsured motorist.  Some provide roadside assistance if there is an accident.  Any accessories or customization can also be covered so that you don’t lose your investment in the bike.  Without an adequate policy, repairs or replacement costs will come out of your pocket.

Unfortunately, accidents happen every day so it’s important to have adequate insurance coverage.  Our team at SWFL Insurance Agency Inc. can help you decide on the right policy for you and your motorcycle.  We proudly serve motorcyclists throughout the Fort Myers, FL area.  Knowing that motorcycle insurance is a powerful financial tool, we can discuss your options with you so that you can make the best decision for you and your lifestyle.  You’ll find general information on our website.  We’re your ready, come in and talk with an agent.  It’s an investment that you won’t regret!  Call today!

3 Ways to Increase the Security of Your Rental Home

Whether you’re a homeowner or renter, you want to know your home is safe and secure for you and your family. If you’re renting a home, condo, or apartment in Ft. Myers, FL, there are various ways you can boost the security of your property. These tips from SWFL Insurance Agency Inc. can help you get started.

Install New Locks on Windows & Doors

One way to improve security is to install locks on bottom floor windows to make it more difficult for intruders to enter your abode. You can also petition your landlord to have the locks changed on doors that lead to the outside of your home. That way you won’t have to worry about previous tenants who may still have a key entering your rental home. Installing a deadlock and chain lock for each of your exterior doors is sure to increase the security of your home.

Install a Security Camera Indoors

A streaming security camera indoors connected to an app on your phone will make it easy for you to check up on your property when you’re not there. If you own costly goods, an indoor security camera is a worthwhile investment to protect your valuables against theft. It can also forewarn you if a fire or other catastrophe hits your home.

Purchase Renter’s Insurance

Renter’s insurance will protect your goods against theft, fire damage, water damage due to leaky pipes and other perils that may threaten your rental home. This includes your clothes, furniture, electronics, appliances, and other items you own. Renter’s policies also include liability coverage to protect you against accidental injuries that may occur when people visit your property.  

To learn more about the protection that renter’s insurance in Ft. Myers, FL has to offer, call, or visit SWFL Insurance Agency Inc. today.

Facts about Condo Insurance in Fort Myers, FL

When buying condo insurance, you are probably looking for the right mix of quality coverage at an affordable price. Condo insurance is also called HO6 insurance. With this type of insurance, you have coverage for the inside of the condo as well as liability risks. One way to reduce the overall cost is by raising the deductible. The agents at SWFL Insurance Agency Inc. can help.

Another way you can save on condo insurance is by installing fire and smoke alarm systems if your condo unit does not already have them. Before going ahead with any insurance policy, be sure to contact your condo’s home owner’s association first.

Condo Master Insurance

This covers the interior of a condo. It will only provide coverage to the bare structure. Private property, as well as fixtures such as sinks, countertops will need to be separately insured.

Special entity

This type of coverage insures nearly the whole condo, including fixtures. However, this will not cover additions to the unit, or structural improvements. Personal property coverage is also separate.

All in all and inclusive

All of the physical interiors of the condo is covered with this type of insurance, including additions and fixtures. All personal property would need to be covered with another kind of insurance.

Personal Property Insurance

Personal property insurance covers the cost of the valuables in case of damage such as from a fire or from flooding. It also protects the personal items in case they are stolen.

Cash value coverage: The insurance company determines what it is worth, with the value potentially depreciating over time.

Replacement value coverage: you get the amount that you paid for

Liability: Protects you and your assets from what happens to individuals

Reach out to our office today and let us know how we can help with condo insurance in Fort Myers, Florida. SWFL Insurance Agency Inc. is ready to help you find the right amount of condo insurance coverage to fit your needs today.

Your Home Insurance Does Not Cover Flooding

Too many homeowners in Fort Myers, FL do not find this out until it’s too late: Your home insurance does not cover flooding.

There are some exceptions to this rule, but they’re rare. By and large, you cannot expect your home insurance to cover flooding, and the same goes for renters insurance, condo insurance, and so on. Most insurers who cover your home will not cover flooding.

Some insurers may offer some protection for basic water damage from broken pipes and so on, but they won’t cover natural floods, and they won’t cover flooding resulting from a sewer pipe, either.

The reason for this is that there aren’t enough people willing to pay for flood insurance for it to be worth the effort for the typical home insurer to offer it. Insurance is essentially a communal fund: We all pay into it "just in case," so that, should something happen to one of us, we’re covered. The insurance company is just there to handle the money. If there’s no market for a certain type of insurance, then there are no funds for it.

That is not to say that there is no market whatsoever for flood insurance, only that, for most home insurers, the market isn’t quite big enough to be worth their while. That’s why we have specialty insurers.

If you are a homeowner in Fort Myers, FL who wants to make sure that you are protected against flooding, you can call SWFL Insurance Agency Inc. and see what they can do for you. Your home insurance provider might not think that flood insurance is worth the effort, but SWFL Insurance Agency Inc. does.

Is Boating Insurance Required?

If you’re buying a boat for the first time in Fort Myers, FL, you may have several questions about how to get it registered, what kind of license you need, and whether you should have boat insurance. SWFL Insurance Agency Inc. can help you answer the last question, so you’re protected. 

State Laws 

Every law has its own take on whether insurance should be required for boats, and in Florida, it’s not mandatory. Other states may require a certain degree of liability coverage to be legal, but this is not the case for you. However, just because it’s not required by state law, doesn’t mean it’s not required. 

Common Requirement Scenarios 

The two most common reasons you might need boat insurance is if your boat has a lien on it or if it’s being stored in a marina. Both the lender and the marina owner will want to limit damages that may occur and may require you to buy minimum coverage to cover different events. 

Why You Should Have Boat Insurance 

Whether you need it by decree or not, it just makes good sense to have boat insurance. There are broad policies that can protect against anything from vandalism to fire to stolen possessions. You can also be held liable for injuries that occur either to other people on the boat or to another watercraft in the harbor. Boat insurance can give you the means to defend yourself, even if the injuries weren’t your fault. 

 Fort Myers, FL is an undoubtedly incredible place to have a boat, but there’s another side to owning one that you need to consider. Call SWFL Insurance Agency Inc. if you have questions about a policy that will leave you feeling confident every time you take it out for a spin. 

Commercial Insurance: What You Need to Know

If you have a business, you probably have a commercial insurance policy. But how much do you know about the coverage you have? It’s important for you to understand what’s covered and what isn’t, along with what kinds of changes you might want to makeover time. At SWFL Insurance Agency Inc. we help businesses in the Fort Myers, FL area get the kind of insurance protection they need. If you’re nearby, working with us can be the right choice to properly protect your business. We’ll give you information about a commercial policy, and discuss your options so you can choose a policy that’s going to be right for your needs and your future.

A business or commercial policy is different from life, auto, or homeowners insurance. Instead, it’s specific to protecting the interests of a business. Not all businesses need a policy, but most of them do. If you work from home and everything you do is online, a policy like this probably isn’t necessary. But for people who have retail or other types of establishments, or even those who see clients in their homes or go to other people’s homes, having the protection offered by a business insurance policy is a good choice not only for your interests but for peace of mind, as well.

Come see us today at SWFL Insurance Agency Inc. or give us a call, and we can talk about your commercial insurance needs. We want to help all of our Fort Myers, FL customers make sure they have what they need for their businesses. You don’t have to wonder about the kind of coverage you need, or whether you have the right type and level of protection from your policy. We’ll give you information and discuss your options, so you can make your selection as an informed consumer.

Home Insurance: How To Get Your Home Ready For Spring

Spring will come around soon and you need to get your home ready. There are several important ways to do that, but the most important one is to pay your home insurance premium or upgrade your home insurance for more coverage. 

Review Your Home Insurance Policy

Home insurance protects you against lawsuits and it protects your home against natural disasters and burglary. Many lenders require it. Most importantly, home insurance boosts your home’s sales potential and value. Apart from your insurance, here are other ways to get your home ready for spring.

Start with your lighting

Check all your light bulbs to be sure that all of them are working. If not, you can replace the burnt ones.

Check your pipes

After cold winter days, it is possible that some of your pipes are broken due to expansion. So, you can hire a plumber to inspect your pipes and other plumbing fixtures.

Clear your gutter

The chances are high that there is debris in your gutter. So, you need to check and clear it for a seamless passage of water. You don’t want your roof leaking and your home flooded. You could also check for leaks in your roof. If you find any, fix it.

Prune and mulch

It’s time to prune your surroundings. If you have trees in your yard, you may also remove the dead branches. Sweep all the dried leaves off the ground to give your home a facelift. If you’re interested in gardening, you should start by mulching, to reduce soil erosion.

Service your air conditioning units or HVAC

The atmospheric temperature will be higher in spring, so you need to be sure that your air conditioning units are in perfect condition. Don’t assume they are. Rather, hire a professional to carry out a routine check on all of them.

For more information on home insurance, contact SWFL Insurance Agency Inc. in Fort Myers, FL. 

Determining the right auto policy for your family’s needs

Families with multiple drivers can often benefit from a review of their current auto insurance policy. The team at SWFL Insurance Agency Inc. has the knowledge and experience to help you understand the benefits of the many different auto insurance policies that are available in the greater Fort Myers, FL area. We want your family to have the insurance protection it needs, and sometimes that requires that you switch policies to best meet those needs.

Finding the right auto policy for your needs

Many families with multiple drivers can benefit from choosing a fleet insurance policy. Other families may need to have one member on an individual policy. The needs of every family are different, but it’s important for everyone to have the coverage that’s right for them. Don’t think that your needs don’t change over time, as your family changes, so do your auto insurance needs. Today’s insurance policies can be tailored to meet a family’s needs to a T and it’s important to get all of the different features and protections that you need. 

Multiple drivers and multiple vehicles can make the selection process feel more confusing, but it doesn’t have to be that way! It’s easy to feel overwhelmed, but by working with a local agent who understands your needs and the options available, the process becomes a lot more manageable!

Is it time to review your family’s auto insurance policy? The team at SWFL Insurance Agency Inc. is here to answer any questions that you may have, and help you determine which available auto insurance policy is right for your family. We love serving the insurance needs of our friends and family in the greater Fort Myers, FL area and look forward to working with you too!

Do I Need Auto Insurance in Florida?

Living in the Fort Myers, FL area is a dream that a lot of people share. When you are looking to live in this area of Florida, it is very important that you carefully consider all of your insurance needs. One important form of insurance that all people in Florida with a car will need to have is auto insurance. There are several reasons why you will need to have insurance for your car. 

You Need to Comply with State Law

One reason why you need to have auto insurance on your car is that you need it to comply with state law. When you drive your car, there is always a chance that you could be at fault for an accident. Because of this, you need to make sure that you are able to pay for damages. To ensure everyone has this ability, Florida requires that drivers carry liability insurance at all times. 

Your Asset Needs Coverage

Additionally, you need to have auto insurance to make sure that your valuable asset is properly covered and protected. A full auto insurance policy will protect against a wide range of different risks. These could ensure that you have coverage if your car is stolen or damaged. 

Having auto insurance is effectively a requirement for anyone that wants to drive a car in Florida. Since this is a necessary requirement, and one that should be taken very seriously, you should contact SWFL Insurance Agency Inc. to learn more about your options. The team at SWFL Insurance Agency Inc. can help anyone in the Fort Myers, FL area learn more about all of the options that they have when it comes to getting home insurance. They can then help you to get into a great policy. 

What is an umbrella policy and do I need one?

Even in the Sunshine State rain falls and things can happen that put you at risk. Umbrella insurance is a type of insurance that is often misunderstood. It is in the simplest terms excess liability insurance that works together with insurance policies that you already have like home and auto. At SWFL Insurance Agency Inc. in Fort Myers, FL we have years of experience with all types of insurance. Let us help you to see if an umbrella insurance policy is something that would be helpful to you. 

How do you determine if an umbrella policy is right for you and if you need one? You need to ask yourself a few questions. Do you own a home or a car?  Do you have any assets? If the answer is yes then you would benefit from an umbrella policy. If you have basic liability insurance on your car imagine if you had an accident where you are at fault. The injured party or parties can decide to sue for damages. If you own a home, someone could be injured on our property or by a member of your family, even a furry one.

Legal action can be very expensive. Settlements can run high. If they go beyond the limit of your policy,  you are on the hook for the excess amount. You could lose your current assets and any assets you may accumulate in the future. This is a pretty big risk to take when umbrella insurance is affordable and usually covers you for between one and five million dollars. 

When you are ready to discuss whether or not an umbrella policy should be a part of your insurance coverage, give us a call at SWFL Insurance Agency Inc. in Fort Myers, FL or stop by our office for a no-obligation quote.