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When looking at insurance companies and polices, here are a few things to look at and ask your agent about. The more you know about your coverage, the easier it is to find the Cape Coral home insurance quotes on coverage that works best for you.

Deductibles - Here in Florida, home insurance policies have two deductibles. Policies will have a deductible for hurricanes, and a separate deductible for all other covered losses. It is important to know what your deductibles are for both your hurricane and non hurricane parts of the policy.

Pool Cages - Does your carrier offer coverage for pool cages, and if so do they charge extra for pool cages? A lot of companies won't cover pool cages, so it is important to know whether the company you have offers, or doesn't offer, coverage. In regards to hurricanes, pool cages are a common loss, and they can cost between $15,000 to $50,000 to replace.

  • Sewer Backup (often a common claim) - Most companies will add the coverage for an extra amount. What is the cost?
  • Animal Liability (dogs biting) - Will the carrier offer the coverage, and what dogs will they not allow?
  • Scheduling Personal Property - Can you add increased coverage for things such as jewelry and guns, and if so what is the cost?
  • Secondary Residence - Does the carrier write a home that is a secondary residence?
  • Tenant occupancy - Does the carrier offer coverage if the home is tenant occupied?
  • Flood is always a separate policy, so it is important to know how much flood insurance is going to cost. Also if you have a loan banks may require that you    carry flood insurance.

As a leading Cape Coral homeowners insurance agency, we are dedicated to helping you find exactly what you need. When you want to find great rates and the best coverage for home and auto insurance in Cape Coral, contact us today!

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Cape Coral Zip Codes -
33904, 33909, 33910, 33914, 33915, 33990, 33991, 33993