Rental Car Insurance: Do You Really Need Extra Coverage?
When planning a trip anywhere, understanding rental car insurance is crucial for making informed decisions about your rental. Renting a car provides the convenience and freedom to explore at your own pace, but a common question is whether you need extra insurance coverage. Familiarizing yourself with Florida’s insurance and your personal coverage options is essential. […]
Why Florida Has Some of the Highest Car Insurance Rates in the U.S.
Florida is a state known for its beautiful beaches, vibrant culture, and, unfortunately, some of the highest car insurance rates in the U.S. With its tropical climate, expansive highways, and high population density, the Sunshine State has a unique set of factors that contribute to its high car insurance rates. From the number of uninsured […]
Florida Car Insurance: Is it Cheaper to Insure a Used Car?
When it comes to insuring your vehicle in the Sunshine State, one question often asked is whether used cars are cheaper to insure than new ones. The answer isn’t as straightforward as one might hope, as the cost of car insurance in Florida depends on a myriad of factors. In this article, we aim to […]
How Car Modifications Impact Your Insurance Rates in Florida
Are you a car enthusiast living in Florida? If so, you may have considered making modifications to your vehicle. But before you do, it’s important to understand how car modifications can impact your insurance rates. In Florida, the type of car modifications you make can have a direct effect on your insurance rates. We’ll explain […]
Factors That Influence Your Car Insurance Premiums in Florida
Car insurance premiums can often feel like a mystery. Despite having a clean driving record or owning a fairly modest vehicle, you might still find yourself paying a high premium. If you’re a Floridian who is perplexed about this, you’re not alone. There are multiple factors at play that determine your car insurance premiums in […]
How to Lower Your Homeowners Insurance Rates
The cost of homeowners insurance can be a burden, but it doesn’t have to be. With a few smart steps, you can lower your home insurance rates and save money. Whether you’re just getting started with homeowners insurance or you’ve had it for years, it’s important to know how to lower your homeowners insurance rates. […]
Hope for a Positive Outlook on Florida’s Property Insurance Market.
As the third-largest state in the United States, Florida is no stranger to natural disasters. Having seen its fair share of hurricanes and flood damage, it’s no surprise that the property insurance market in Florida has been unstable for some time. But with recent reforms passed by the legislature, there may be a glimmer of […]
Homeowners Insurance Rates Going Up
Homeowners’ insurance rates have been on the rise in recent years. The Short Version: The High Cost of Homeowners Insurance According to a recent report from SafeHome, 43% of homeowners say they have seen an increase in their premiums in the past year. One-in-ten plan to switch carriers near-future – most of them to combat […]
Home Insurance Crisis in FL: Thousands Being Dropped
It’s no secret that Florida is in the midst of a home insurance crisis. Home insurance companies are dropping thousands of Floridians from their policies, and state lawmakers are scrambling to find a solution. Later, in May 2022, they’re holding a special session to try and resolve the issue. At the Culbertson Agency, this has […]
Best Fort Myers Home Insurance Rates & Companies
The short answer is that Fort Myers homeowners insurance costs about $982 to $ 1,333 per year on average and is generally lower than the state of Florida average which is about $1,648 to $3,575 per year. The reason why the state average is higher than the average for Fort Myers, FL is that cities like Naples and Miami tend to have larger, more expensive houses on the coast.