Coverage · Lee & Collier counties

Home Insurance

Homeowners, condo, and renters coverage for a wind-and-flood state, placed by a department that writes nothing else.

Request a Quote Find your location

At a glance

Written by: A property-only desk
Wind mitigation: Read before we quote
Flood: Quoted separately, always
Answered in: English · Español

What this policy actually covers.

The dwelling and your liability are the spine of it. Everything else is a decision about how much of the risk you keep.

Flood is not on this list and cannot be. It is excluded from every standard Florida homeowners policy and has to be bought separately, which in Lee and Collier is not a formality.

Dwelling and other structuresRequired

The building itself, and the fence, shed or dock that is not attached to it.

Personal liability and medical paymentsRequired

What you owe someone injured on your property, or by you elsewhere.

Personal property and loss of use

Your belongings, and somewhere to live while the house is repaired.

Hurricane and named-storm deductible

A percentage of your dwelling coverage, not a flat sum. We show you what each option costs.

Wind mitigation credits

Every feature you can document, applied before the quote rather than after.

Condo (HO-6) and renters (HO-4)

What the association’s master policy does not reach, and what a landlord’s never did.

Who it is for, and what moves the price.

Homeowners in Lee and Collier counties, condo owners who need to know precisely where the association’s master policy stops and theirs begins, and renters who assume the building owner’s policy covers their belongings. It does not.

It is also for the household that has just had a renewal arrive with a number on it they did not expect. That is the common reason people call, and it is usually answerable: a roof that has aged past a carrier’s threshold, a wind mitigation report that was never filed, or a policy that has drifted while the market moved around it.

What moves it most

The roof. Its age, covering, shape and how it is attached to the walls all feed the rate, and several carriers decline past a certain roof age regardless of condition.

What surprises people

The hurricane deductible is a percentage of the dwelling limit, so it is usually far larger than the deductible the same household is used to.

The honest trade

A higher named-storm percentage lowers what you pay every year and raises what you would find in the one year you claim.

What we will not do

Quote without the wind mitigation report if one exists. Rating a house on assumptions is how a neighbour ends up paying less for the same roof.

A Southwest Florida house of the kind the homeowners department insures across Lee and Collier counties — The homeowners department writes property and nothing else, which is why wind mitigation and roof age get read properly.

Renewal arrived higher?

Bring us the declarations page.

Most unexpected renewals have a reason on the page: a roof past a threshold, a credit never applied, a policy that drifted. We will read yours and tell you which it is.

Talk to the homeowners desk

Questions we are asked.

If yours is not here, call the office. Someone will pick up.

Does a homeowners policy cover flood damage?

No. Flood is excluded from every standard Florida homeowners policy and has to be bought separately, either through the National Flood Insurance Program or a private flood carrier. In Lee and Collier counties that is not a formality, check your flood zone and your elevation certificate, and let us quote it.

What is a hurricane deductible and how is it different from my regular deductible?

Florida policies carry a separate deductible for hurricane damage, set as a percentage of your dwelling coverage rather than a flat dollar amount, so it is usually far larger than the all-other-perils deductible. It applies only once a storm is named and the trigger conditions in your policy are met. We will show you the percentage options and what each one does to the premium.

Can a wind mitigation inspection lower my premium?

Often, yes. A wind mitigation inspection documents roof shape, roof covering, roof-to-wall attachment, secondary water resistance and opening protection, and Florida insurers apply credits for each feature you can prove. The inspection is inexpensive relative to what it can return. Send us the report and we will re-rate the policy.

What is Citizens Property Insurance and would I be placed with it?

Citizens is the state-created insurer of last resort. Eligibility is set by statute and changes: broadly, it is for homes that cannot obtain comparable private-market coverage, or where the private quote exceeds the threshold the legislature has set. We shop the private market first and tell you plainly if Citizens is the honest answer.

Should my roof be insured at replacement cost or actual cash value?

Replacement cost pays what it costs to put the roof back. Actual cash value subtracts depreciation for the roof’s age, and on an older roof that difference can be most of the claim. Carrier rules and Florida law limit which option is available by roof age and material, so this is a conversation to have before renewal rather than after a storm.

Do condo and renters policies work the same way?

No. A condo policy (HO-6) covers what the association’s master policy does not, typically everything inward from the studs, plus your contents and liability. A renters policy (HO-4) covers your belongings and your liability but none of the building. Both still exclude flood.

Where to get it.

Every office can start this conversation. Auto is bound at any of the four desks; home is placed by the homeowners department in Fort Myers; commercial is written from the Fort Myers home office.