Home Insurance in Fort Myers, FL and Surrounding Areas
Securing Homeowners in Fort Myers and Sanibel Island, FL
We know that making and maintaining a home is hard work and that the home you have is most likely precious to you. We honor this home and the work you do to maintain it by insuring your home in the ways that are best. At HUFF Insurance Agency, Inc. we cover all of the risks you face – theft, storms, water damage, and other – by crafting a comprehensive home insurance package for the right price. We have a home insurance program that contains broad coverages and through this program we deliver flexible and fully-protective packages. We will customize a package for you and ensure that all of your efforts to make your home what you want it to be pay off and that in the events of unexpected incidents, you do not suffer unnecessary financial losses.
Coverages tailored to your Needs
Homeowner’s insurance coverages are often broad and general, and for most homeowners this means that this type of insurance is purchased in broad sweeps. Broad sweeps are good if they involve all necessary coverages, but in most cases broad sweeps reflect a ‘one-size-fits-all’ attitude towards this type of insurance. This approach is faulty, as it ignores the specific needs of individual homeowners, which differ in almost every case.
At HUFF Insurance we work closely with you to identify all of your needs and to find coverages that meet these needs. A firm understanding of your potential exposures and the prospective costs of these exposures helps us craft an all-inclusive package that secures you for the right price. This package will contain a mix of different types of coverage and will have distinct limits and rates. Your deductibles will also be district. Every element of your policy will be affected by your coverage selections, so choosing appropriate options is important.
Your coverage options include:
- Property Insurance
- Homeowners Liability
- Renters Insurance
- Condo Insurance
- Mobile Home Insurance
- Scheduled Property Insurance
- Landlords Insurance
- In-Home Business Insurance
Florida law does not require you to have homeowners insurance, but this type of insurance is a sound investment anyway. Florida does require homes that are thirteen years or more old to have wind mitigation inspections and the state requires insurance carriers to offer credit based on roof construction and opening protection (windows, doors, etc.). Our agents will help you navigate these stipulations and find an insurance plan that fits you best. In addition, our agents will help you combine your homeowners policy with other critical coverage, like flood insurance, which is commonly needed by Floridians.
Why Home Insurance?
We’ve insured homeowners in Southern Florida for years, so we know that this region of the Sunshine State has tumultuous weather changes and unique geographic characteristics. These things make insuring homes a little different than insuring homes in other areas of the state and of the country. Having an agent that understands the dynamics of being a homeowner in this area is valuable for this reason and others, and at HUFF Insurance we understand these dynamics.
We pride ourselves on delivering complete and cost-effective solutions and on delivering these solutions quickly and efficiently. We devote all of our time to each client, ensure that every one of our clients can always reach us, and we make sure that each client has a dedicated agent. These and other efforts distinguish us from captive insurers and other insurers in Southern Florida and these efforts make us the finest option for homeowners insurance in this region.
We manage risk and claims in addition to providing all-encompassing products. This means that we help reduce exposures, which ultimately minimize costs, and we advocate for clients if and when claims are filed. Advocating for clients helps clients achieve suitable claims resolutions.
If you’re interested in knowing more, please contact us or give us a call. We’ll connect you with an agent. If you’d like, you can also request a quote; this will help you find out some of the details of a policy.
HUFF Insurance Agency, Inc. is proud to provide home insurance in Fort Myers, Sanibel Island, Captiva Island, Cape Coral, South Fort Myers, and Bonita Springs, FL. We also serve other areas in the state.
If you’re curious about flood insurance and would like know more before speaking with one of us, see publications from the National Flood Insurance Program.