GreatFlorida Insurance - Linda Blackmon - Naples Insurance

Homeowners Insurance Quotes in Naples, FL

Linda Blackmon, Agent

239-948-8017

3811 Airport Pulling Rd N - Suite 200
Naples, FL  34105
Fax : 239-433-7781

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Homeowner's Policy Coverages

A Naples Homeowner's Insurance policy is designed to cover the structure of your home, and includes protection for various kinds of Personal Property as well as Liability coverage. Want to know more? Give us a call at 239-948-8017 to speak to a local agent.

Home Insurance Coverage — What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Liability — Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
  • Medical Payments — Covers medical bills for person(s) injured on your property.
  • Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Naples Homeowner's Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.

Does my policy cover hurricane damage?

Yes, your homeowner’s insurance policy will cover damages cause by windstorms. The deductible for hurricane damage can range from 2% to 10% of the insured value of the dwelling depending on the policy.
NOTE: Hurricane damage is normally covered, but may be rejected in certain situations.

What does the hurricane deductible mean?

This is the amount that you, the policyholder, will have to pay out of pocket. For example, if your home is insured for $250,000 with a 2% wind deductible and has hurricane damages of $50,000.
The amount of the deductible will be 2% X $250,000 = 5,000.

The remaining amount ($45,000) would be paid by the insurance policy. What factors can affect Naples Homeowner's Insurance premiums?

Home Features and Characteristics — The age of your home, type of structure, wiring, roof, garage, etc., can affect your Naples Homeowner's Insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.

Location — Where your home is located can change your Naples Homeowner's Insurance premium. For example, your home insurance rate can be affected if your home is in close to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.

Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your Naples Homeowner's Insurance premium.

Personal Factors — What you do can affect your Naples Homeowner's Insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.

Claims History — If you have a history of claims on a Naples Homeowner's Insurance policy, you may pay a higher premium.

Discounts and Special Programs

There are many discounts are available on Naples Homeowner's Insurance policies. For example, you may qualify for a discount if your home has an updated roof, a monitored alarm system, hurricane shutters or impact windows in Naples.

Payment Options

In many instances your Naples Homeowner's Insurance policy can be escrowed in with your mortgage. However, if you need to pay separately, many carriers now offer several convenient payment options.

Does my policy cover floods?

The fact is that Florida homeowner insurance does not cover damage caused by flood, and federal disaster assistance is only offered when the president declares a major disaster (which only happens in 50% of flooding situations).

Unfortunately, most people do not find this out until it is too late. However, flood insurance is available to protect homes and businesses and their contents in communities that participate in the National Flood Insurance Program.

Simply call 239-948-8017 or complete our online quote request form. A GreatFlorida Home Insurance Agent will help you find the best deal for you.

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About Homeowner's Insurance in Naples, FL

GreatFlorida Insurance agents can easily explain the specific needs of your home in Naples, FL. Along with mortgage requirements and the difference between dwelling, personal property, liability, medical payments and loss of use coverage as well as available discounts.

Get a Free Insurance Quote from your local GreatFlorida Insurance agent. They will help you find the most affordable options.

Your home is likely your most costly asset. It contains your belongings and valuables and more importantly your family and cherished memories.

After the overwhelming task of finding a new home in Naples, it can be tempting to settle by purchasing a basic homeowner’s insurance policy that could leave you with inadequate coverage or paying for more coverage than you need.

GreatFlorida Insurance in Naples, FL will make sure your homeowner’s insurance policy will provide adequate coverage to protect your home from fires, hurricanes, break-ins and more. Compensation for your financial loss will allow you and your family to continue living comfortably.

Florida Homeowners  Insurance Blog
by GreatFlorida Insurance
10/2/2018

It’s fall in Florida, that means, football, pumpkin-spice and flu shots. October just started and there are already confirmed cases of the flu.

Last year, 80,000 people died from the flu in the U.S. The largest number of casualties in four decades, according to the Centers for Disease Control and Prevention (CDC). Americans made 900,000 hospital visits. The CDC also reports last year’s flu season, was the most severe since the pandemic in 2009.

“There is really no reason to avoid a flu shot this year,” comments Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency in Florida. “It’s readily available, quick and for most people free.”

The Florida Department of Health recommends everyone over the age of six months old receive a flu shot by the end of October. The flu vaccine is convenient to get and available at most pharmacies such as CVS, Publix and Walgreens, walk-in clinics, public health facilities and your doctor’s office.

“Many health insurance companies cover the cost of the flu vaccine, but in case, check with your insurance beforehand to see if your plan requires your shot from a particular office or location,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance agency.

The Florida Department of Health reports, “Influenza or the flu, is a respiratory infection caused by a variety of flu viruses. The “flu” is a common catch-all term used for a variety of illnesses, but it correctly applies only to the upper respiratory diseases caused by the influenza virus.”

While, getting a flu shot will not guarantee you will not get the flu, research shows people who receive the vaccination experience less severe complications. A CDC study in 2017, showed that vaccination reduced flu deaths among children with high-risk medical conditions by half and among healthy children by about two-thirds.

To keep updated of national and state flu activity, check out the Florida Health Department’s web page at: http://www.floridahealth.gov/diseases-and-conditions/influenza/index.html.

GreatFlorida Insurance is committed to helping Floridians stay healthy. Our experienced agents can offer you and your family quality health insurance policies to fit your needs while staying within your budget. Call us at 888-478-7801 or go online to www.greatflorida.com for a free quote today.

 

 

 

The post Think you don’t need a flu shot? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/27/2018

“Hurricanes and floods can endanger lives, economic viability and entire communities,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Seeing the destruction Hurricane Florence left behind in the Carolinas, is a heartbreaking reminder of the importance of flood insurance.  According to data from Pew Charitable Trusts, between 2000-2017, flood related disasters accounted for more than $750 billion in losses in the U.S. Flood related disasters are the most common and most expensive disaster threat in the nation.

Pew Charitable Trusts also reports, when Hurricane Irma hit Florida last year, 14 percent of the 3.3 million households in the nine counties affected by the disaster had flood insurance. Leaving many Florida residents to come out-of-pocket for repairs and expenses.

“Most homeowners are unaware of the natural disasters covered by a standard homeowners insurance policy,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s principal independent homeowners insurance agency.

A standard homeowners insurance policy covers natural disasters such as wildfires, tornadoes and hail storms. Two natural disaster categories a standard homeowners insurance policy will not cover are floods and earth movements.

Floods are defined as rising water from excessive rainfall, hurricanes, storm surge, dam failure and a tsunami. Earth movements include earthquakes, landslides and sinkholes.

A homeowner might have a hurricane deductible included on their homeowners insurance, however it will not cover the flooding caused by a nearby lake that overflows during a hurricane. Experts with CNBC say a hurricane deductible typically ranges from one to five percent, depending on the specifics on your homeowners insurance policy. The percentage is based on your insured value, not the damage caused.

Flood insurance is available with GreatFlorida Insurance, through the National Flood Insurance Program. Also, additional disaster coverage is available for addition to a standard homeowners policy. Do not wait until the report of a storm is looming. It takes 30 days for flood insurance to go into effect.

The post Understanding flood insurance appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/14/2018

Florida offers unique opportunities for fishing in the fall. Cooling water temperatures can result in great bites this fall.

“In the middle of hurricane season, always make sure to keep track of the weather before you head out,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

As reported this week, a few storms are churning in the tropics. While none look like they are headed toward Florida, anglers need to be aware of dangerous rip currents and high seas as well as possible thunderstorms according to meteorologist at clickorlando.com.

Before you cast your line, you’ll need a fishing license, whether in local waters inland or off shore. There are exceptions for those fishing off a local pier or on a charter boat where a blanket license has you covered. To find out more about Florida fishing licenses, click the links below.

Saltwater license

Freshwater license

Popular catches in the fall in freshwater include bass, crappie and catfish.

In saltwater you can hook, red snapper, grouper, king mackerel, red fish, trout and snook. However, Florida Fish and Wildlife Conservation Commission (FWC) has temporarily made snook and redfish catch-and-release only from the northernmost point of Anna Maria Island in Manatee County to Gordon Pass in Collier County. This was done through and Executive Order in response to the impact from red tide bloom in southwest Florida. This order is an effect until the next FWC meeting September 26-27.

However, you do not always need a boat to make a good catch. During the fall mullet run, anglers without a boat have the opportunity to catch big game fish.

“When the weather cools down and the visitors clear out, that is when the water really heats up,” says Buck, Vice President of GreatFlorida Insurance, Florida’s top independent boat insurance agency.

GreatFlorida Insurance can make sure you are fully prepared before you head out to trawl with premium boat insurance at affordable prices. Contact a GreatFlorida Insurance agent to make sure you have proper boat insurance and adequate coverage for all your fishing equipment.

The post What you need to know about fall fishing appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/6/2018

Animal related insurance claims

 Florida is known for its abundant wildlife population. Green space surrounds many of our highways, increasing the chances of an animal-auto collision.

“When driving at night, it is almost impossible to avoid a collision once an animal steps or jumps onto the roadway,” observes Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency.

The U.S. Department of Transportation claims an estimated one to two million collisions between a car and large animal occur every year.

A recent study from the National Insurance Crime Bureau (NICB), analyzes the number of animal-related insurance losses for the years 2014-2017.  All animal-related claims went up 6 percent over the four-year period.

The most common animals involved in auto collisions include: deer, racoon, dog, turkey, coyote with deer being the most frequent victim. Additional animals often struck by cars in Florida include the alligator, Florida panther, black bear and birds.

“If animal related accidents are a concern for you or you frequently travel near wooded areas, you might want to check out comprehensive coverage through your car insurance policy,” recommends Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Consider these wildlife-auto collision statistics from the Department of Motor Vehicles (DMV).

A collision with some form of wildlife occurs on average every 39 minutes.

The average repair cost of a car-deer collision is $2,8000.

Approximately 200 motorists die every year in car-wildlife collisions.

1 out of every 17 car collisions involve wandering wildlife.

89% of all wildlife collisions occur on roads with 2 lanes.

84% of all wildlife collisions occur in good weather on dry roads.

If you unexpectedly come upon an animal in the road while driving, experts advise not swerving. Consequences could be more severe if you hit an oncoming vehicle. It is recommended to hit your brakes, honk the horn and duck low behind the dashboard.

The post To Swerve or Not to Swerve appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
8/23/2018

Good relationships between neighbors strengthen the community you live in, however conflict between neighbors can lead to serious tension, lawsuits and even violence. “Discerning between an annoyance and a true nuisance will help you decide what course of action to take,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Below are a few of the most common neighbor complaints and how to handle them graciously.

Noisy neighbors

Firing up the lawn mower at 7 am on a Saturday, a barking dog, loud music or parties can violate your peace.  Whether you live in an apartment, condo or home with a yard, noisy neighbors are unsettling. Addressing your neighbor about noise is best handled with diplomacy while keeping your cool. Dealing with the issue before it threatens your civility is recommended. If the noise continues to persist after making a request to your neighbor, check to see if your community has laws prohibiting unreasonable noise, a noise ordinance or designated quiet times. You can also contact your landlord, or neighborhood association.

“If it comes to it, reach out to law enforcement who are trained to handle enforcing noise ordinances,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Overhanging trees

Trees contribute to the beauty of nature and provide wonderful shade; however, they are also the source of hostility between neighbors. Here is the lowdown on how to handle potential tree issues. You can cut back overhanging branches but avoid pruning a tree if it will cause damage to it. Most communities have laws against excessive pruning. It is a good idea to alert your neighbor before pruning. If a tree trunk straddles property lines, you and your neighbor both own the tree, so it is best to get your neighbors permission to prune.

Consumer Reports informs, if there is a hazardous tree belonging to you or your neighbor, the local government will often step in and handle the situation or force the owner of the tree to act. You can locate the appropriate agency by contacting city hall or the county courthouse. When it comes to leaves, fruit and debris, if a tree is jointly owned, you and your neighbor share the maintenance as well as the rewards. If the tree is not commonly owned, each of you deal with the debris on your own property.

According to legal support website, LegalZoom, “If the roots are pushing onto your property, they are considered an encroachment in the same manner as fences and other physical belongings.” They go on to explain, if the roots cross your property line, the tree owner is responsible for the removal.

Property Lines

If you feel as if your neighbor is encroaching upon your space, you will find yourself in a boundary line dispute. A little research is required. Check your deed or settlement papers indicating your property lines. If you cannot locate them, try finding your plat online.  Assume, it was a mistake and show your neighbor your findings. It might be necessary for you to both have the property surveyed. Mediation is the next suggestion. If a situation gets out of hand, call the police and report trespassing.

The post Won’t You Be My Neighbor? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
8/16/2018

Before you dig into your favorite and nourishing breakfast consider, it could contain weed killer. A recent report found dangerous amounts of the herbicide, glyphosate, the active ingredient in weed killer Roundup in several oat-based breakfast foods.

“These findings are disturbing and require our attention without causing mayhem in your pantry,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance agency.

Environmental advocacy organization, The Environmental Working Group (EWG), conducted a study of oat cereals, oatmeal, granola and snack bars. Glyphosate was found in all, but five of the 29 regular and organic products tested.

The World Health Organization (WHO) and California scientists, believe glyphosate is a carcinogen. Last week, a California jury awarded a groundskeeper $289 million in damages. He claims long-term exposure to large amounts of Monsanto’s Roundup is responsible for his terminal cancer. Monsanto, the maker of Roundup, strongly disputes the finding that glyphosate is a carcinogen.

Also, the Environmental Protection Agency (EPA) recognizes glyphosate as one of the most widely used agricultural pesticides in  the U. S. and claims it is, “not likely to be carcinogenic to humans.” The EPA says there is no risk to human health when used accordingly. According to EWG, more than 250 million pounds of glyphosate is sprayed on American crops annually.

“In cases like this, where different experts have opposing conclusions, you must make decisions based on your beliefs,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency.

Below are the results of the study.

Potentially dangerous to children

Back to Nature Classic Granola

Barbara’s Multigrain Spoonfuls, Original, Cereal

Bob’s Red Mill Steel Cut Oats

Cheerios Toasted Whole Grain Oat Cereal

Giant Instant Oatmeal Original Flavor

Great Value Original Instant Oatmeal

Kellogg’s Cracklin’ Oat Bran Cereal

Lucky Charms (without the marshmallows)

Market Pantry Instant Oatmeal, Strawberries & Cream

Nature Valley Crunchy Granola Bars, Oats ‘n Honey

Nature Valley Granola Protein Oats ‘n Honey

Quaker Dinosaur Eggs, Brown Sugar, Instant Oatmeal

Quaker Old Fashioned Oats

Quaker Simply Granola Oats, Honey, Raisin and Almonds

Quaker Steel Cut Oats

Umpqua Oats, Maple Pecan

Contains safe amounts of glyphosate

Back to Nature Banana Walnut Granola Clusters

Bob’s Red Mill Organic Old Fashioned Rolled Oats

Kellogg’s Nutrigrain Soft Baked Breakfast Bars, Strawberry

KIND Oats & Honey with Toasted Coconut

KIND Vanilla, Blueberry Clusters with Flax Seeds

Nature’s Path Organic Old Fashioned Organic Oats

Quaker Chewy Chocolate Chip granola bar

Whole Foods Bulk Bin conventional rolled oats

Contained no glyphosate in any tests

365 Organic Old-Fashioned Rolled Oats

Cascadian Farm Organic Harvest Berry, granola bar

Kashi Heart to Heart Organic Honey Toasted Cereal

Nature’s Path Organic Honey Almond Granola

Simple Truth Organic Instant Oatmeal, Original

The post Weed killer found in popular breakfast foods appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
8/9/2018

“Being on the water, provides a sense of calm and clarity,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance agency.

In his book, Blue Mind, Dr. Wallace J. Nichols, marine biologist, explains that being on, in or near the water improves creativity, emotional health and relaxation. It can also heal the mind and body.

In the book, he describes the state of a “red mind” and its antidote, a “blue mind.” A red mind is characterized by stress, anxiety and fear, whereas a blue mind is described as calm, peaceful and happy. A blue mind can be achieved by being in, near, on, under or around water. Such as being on a boat. He describes to Discover Boating, that a blue mind, gives our minds a break, it helps us to disconnect from tech and connect with our thoughts and insights as well as with other people.

Research shows walking on the beach, hanging out at the lake or even taking a dip in the pool can calm you down while sparking creativity. He shares with Huffington Post some additional benefits to being around water.

Water gives our brains a rest.

Water can induce a meditative state.

Water can inspire us to be more compassionate and connected.

Exercise by or in water is good for our brains and our bodies.

“These findings explain why we feel so much joy when boating,” observes Buck with GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

Boat rental website, Carefree Boat Club, explains that boating allows you to create bonding experiences and enjoy memories with family and friends. They report, according to studies, boaters respond to stress or stressful situations in a manner better than non-boaters.

So, the next time you are debating that fishing trip or all-day outing at the beach, remember, it can benefit your health, body and mind.

The post Can Boating Help Us Be Our Better Selves? appeared first on The GreatFlorida Insurance Blog.