Skip to content

Home Insurance Agency Fort Myers

Home Insurance Company Fort Myers

As a member of State Insurance Group, Bassine Insurance Agency has partnered with top rated insurance companies writing coverage in Florida for primary homes, secondary and seasonal homes, condo units, as well as property you own and rent to others. We understand the unique needs of homeowners in Southwest Florida and we are committed to providing full transparency when quoting your home. Our staff will explain the differences in companies and coverage so you can make an educated decision. Our home insurance company will get you the coverage you need at a price that fits your budget.

Request a Quote Today!

Please Note: *If you have previously had a WIND MITIGATION SURVEY completed provide a copy to State Insurance Group when requesting a quote. *

Hands are placed protectively over a small model house with green trees on a blueprint background.
Insurance professional team image

Coverages

Provides funds to replace or repair the structure when damage is caused due to a covered peril.

 To replace with like kind and quality without depreciation.

Replacement cost less depreciation.

Provides coverage for damage caused by covered perils to structures separate from main dwelling. Examples might be detached garage or sheds.

May pay to replace the personal contents of your home that are not permanent parts of the dwelling. Coverage only applies in conjunction with a loss caused by a covered peril.

This coverage can provide financial assistance to you while your home is being repaired and is unlivable as a result of a covered loss.

This coverage can provide financial assistance to you while your home is being repaired and is unlivable as a result of a covered loss.

May pay for non-residents injuries that you are legally responsible for.

We are the home insurance agency in Fort Myers with all the coverages you need for peace of mind.

See what 453 home-insurance shoppers in Southwest Florida chose in our original Florida insurance inquiry data report.

As a member of State Insurance Group, Bassine Insurance Agency has partnered with top rated insurance companies writing coverage in Florida for primary homes, secondary and seasonal homes, condo units, as well as property you own and rent to others. We understand the unique needs of homeowners in Southwest Florida and we are committed to providing full transparency when quoting your home. Our staff will explain the differences in companies and coverage so you can make an educated decision. You will get the coverage you need at a price that fits your budget. Our experienced staff will help to resolve all the queries as we are the best home insurance agency in Fort Myers, Florida.

Request a Quote Today!

Fort Myers Home Insurance FAQs

Home insurance in Southwest Florida is shaped by the house itself and by the way it is used. Construction type, roof age and shape, opening protection, occupancy, prior losses, location and replacement cost can all affect the questions a carrier asks. The declarations page isn’t the full policy, so a careful comparison also looks at deductibles, exclusions, settlement terms and whether wind or flood is handled elsewhere. Our first-party home-insurance inquiry data shows what hundreds of local shoppers supplied when requesting coverage. Bring your current policy and inspection documents when available, and we can help compare the choices suited to that home.

A homeowners policy generally combines coverage for the dwelling, other structures, personal property, loss of use, personal liability and certain medical payments, subject to the policy’s limits, deductibles and exclusions. The covered causes of loss differ by form, and some property requires endorsements or separate policies. Read beyond the premium and confirm how the policy treats wind, water, roofs, screened enclosures and valuable items. The issued contract controls, so we help customers compare the actual proposal and policy terms.

Direct flood damage is generally not covered by a standard homeowners policy. Flood insurance is a separate purchase through the National Flood Insurance Program or a private flood insurer, depending on availability. FloodSmart notes that NFIP building and contents coverage are purchased separately and have separate deductibles. Because water losses are covered differently depending on where the water came from, ask how the home policy and any flood policy divide that risk before assuming you are protected.

A hurricane deductible is the amount the policyholder is responsible for when the policy’s hurricane-deductible terms apply. It is often shown as a percentage of the insured dwelling amount rather than a flat dollar figure, so translate the percentage into dollars when comparing proposals. Confirm the trigger, percentage and dwelling limit instead of looking only at the annual premium. Windstorm terms vary by policy and carrier, and the declarations page and policy language should be reviewed together.

It can. A wind mitigation inspection documents features such as roof geometry, roof-deck attachment, roof-to-wall connections and opening protection. Insurers use the approved form and their rating rules to determine whether credits apply. Citizens explains that the inspection must be completed by an appropriately qualified inspector and that supporting documentation may be reviewed. Provide the complete current form rather than relying on a verbal summary.

Send the property address, purchase or renewal date, current declarations page, roof information, occupancy, construction details and any available wind mitigation or four-point inspection. Tell the agent about pools, screened enclosures, solar equipment, rental use, home businesses or recent renovations. These details help match the quote request to the real property and reduce last-minute underwriting surprises. If you are buying the home, also share the lender and closing timeline.

Request a Home Insurance Quote