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Renters Insurance Quotes in Naples, FL

Sal Gonzalez, Agent

239-593-7010

5625 Strand Blvd - Suite 501
Naples, FL  34110
Fax : 239-593-7034

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Renters Insurance NaplesRenter's Insurance

You do not have to own your property for it to be considered your home in Naples. It is often your possessions that are more treasured than the house, especially when renting.

While the landlord may have home insurance covering the structure, your personal belongings are not covered unless you have a renter’s insurance policy in place.

GreatFlorida Insurance has budget friendly renter’s coverage to protect against damage or theft of your small appliances, electronics, computer and entertainment equipment, clothes, shoes, jewelry, furniture, bikes and just about anything else you own.

Renter’s insurance is not only created for your possessions but, can offer protection if someone is injured at your rental property as well as  provide living expenses if your rental is damaged and you need to find temporary housing.

GreatFlorida Insurance can cover your rental property whether you live in a condominium, apartment, townhouse or home in Naples. Safeguard your personal effects with renter’s insurance today.

Protect What's Yours with Renter's Insurance

Whether you own or rent your home, the fact remains that you want to protect your belongings and your family from life's unfortunate events.

While most people have heard of homeowners insurance, many renters don't know that there are special policies just for them called renters insurance.

Contact a GreatFlorida Renter's Insurance Agent in Naples to get more information on a renters insurance policies and to get your free renters insurance quote.

Call 239-593-7010 or take a few minutes to complete our online quote request form.

Why should I get a renters insurance policy?

Even though you may be living in a home that is protected by someone else's homeowners insurance policy, you want to be sure that your personal belongings and liabilities are covered.

If an accident, natural disaster or other unfortunate incident occurs, a renters insurance policy will make it easier to get back on your feet.

How do deductibles work with renters insurance?

Just like with other policies, a deductible is the amount that you agree to pay before your insurance policy begins to pay. However, it is important to note that this applies to personal property claims and not to liability claims.

Additionally, hurricane deductibles are applied differently since storms can cause damage multiple times in one year. Your GreatFlorida Insurance Agent in Naples can provide you with additional information on how deductibles work.

What personal items does a renters policy cover?

Renters insurance policies are designed to keep your assets safe. Take a look around your home. You probably have more personal property in your home than you initially realize.

Do you have?

  • Kitchen appliances and supplies
  • Electronics
  • Clothes
  • Shoes
  • Jewelry
  • Purses
  • Furniture
  • Entertainment systems

Protect items such as these with a superb renters insurance policy from GreatFlorida Insurance. Get your quote by calling 239-593-7010.

How about protection against personal liability?

When someone is hurt at your home, it may be as much your liability as it is the landlord's liability.

Not having proper coverage in place can be a costly mistake. Renters insurance will give you the protection you need whether you need to cover attorneys' fees or pay for the medical bills of those injured on your property.

Protection at home and away from home.

Damages and personal liability can by incurred whether you're home or away from home. For instance, if you accidentally set something on fire because of a faulty appliance or lapse in judgment, a good renters insurance policy can help you recover from those damages.

On the other hand, if your home catches on fire, suffers from water damage as a result of an action of your neighbor or building management, or is broken into, a renters insurance policy will be your best asset.

In these instances your policy will cover damaged items as well as pay part of your living expenses should you be forced out of your home due to the damage.

Renters insurance covers your belongings from natural disasters.

Florida is the Sunshine State. Our tropical climate draws visitors from around the world. However, it also leaves us susceptible to severe storms, floods, hurricanes, tornados, etc.

When you rent your home, you are not responsible for damage to the structure, but guess who is responsible for your personal belongings. You are.

The destruction of your home and personal belongings can be devastating. Give yourself and your family the best chance for a second start with proper renters insurance coverage.

You'll also ensure that you'll have financial support to pay for living expenses if you are forced out of your home.

Payment plans available.

Renters insurance can fit most any budget. You have the option of paying for the entire year upfront or paying a deposit followed by quarterly payments. Get more information when you contact a GreatFlorida Insurance Agent.

Get started by making a list and checking it twice.

How can you get started? Before calling GreatFlorida Insurance take inventory of your belongings. From furniture to appliances to electronics to clothes to shoes to clothing to jewelry, these costs can really add up.

Once you have an idea of the total value of your belongings, a GreatFlorida Insurance Agent in Naples will be able to put together the best possible renters insurance quote for you.

Get a Quote Online
Call 239-593-7010
Florida Renters  Insurance Blog
by GreatFlorida Insurance
10/17/2018

Hurricane Michael was the 3rd most powerful storm to hit the U.S. The storm quickly escalated to a category 4 hurricane, making it the worst in almost a century. National Geographic reports, Michael had the three most critical characteristics for a hurricane to gain strength and make a big impact. Those include, warm waters, low wind shear (a change in wind speed or direction in a short distance) and a tight core, keeping the storm intact.

“In a span of 48 hours we watched the tropical storm grow to a worst-case scenario,” recounts Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance company.

While it has been a week since Michael made landfall, the impact was so devastating, crews are still searching for survivors in the hardest hit areas. Hundreds remain in shelters and over 100,000 are still without power. Many are dependent on food and water being air dropped to their areas. Bay county schools are closed indefinitely for over 26,000 students. Cell phone service is spotty, and it is difficult to fill a gas tank. To support victims, Verizon announced it would give a three-month credit to every Verizon customer in Bay and Gulf counties.

The Florida Division of Emergency Management has established a website, floridadisaster.org, for storm victims, as an information hub. The website includes a list of open shelters, instructions on how to apply for disaster assistance, emergency supply distribution locations, updated curfews for each county, family reunification, boil water notices, debris reporting, insurance resources, available gas stations, power outage details, school closures, traffic, weather, a list of open camping areas, rumor control and more.

“At GreatFlorida Insurance, we are making every effort to provide our customers with a quick response so they can piece their lives back together,” says Ellsworth Buck Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance company.

Gov. Rick Scott, issued an emergency order that ensures additional protections to Florida insurance policy holders. According to the Insurance Journal, the order requires that insurers perform the following.

  • Freeze any rate hikes for 90 days.
  • Provide an additional 90 days to policyholders to supply required information to their insurance company.
  • Rescind for 90 days, all non-renewals or cancellations issued to policyholders in the days leading up to Hurricane Michael. This gives policyholders 90 days to either renew their insurance policy or find a new insurance policy.

For those interested in helping financially, Charity Navigator has highly rated the following charities. They will help by providing food, shelter, medical care and other necessities to victims of the storm.

Team Rubicon, https://teamrubiconusa.org

Samaritan’s Purse, https://www.samaritanspurse.org

All Hands and Hearts- Smart Response, https://www.allhandsandhearts.org/programs/hurricane-michael-relief/

Direct Relief, https://www.directrelief.org/emergency/hurricane-michael/

Many good Samaritans have packed up trucks with food and supplies to come and aid storm victims utilizing their own resources.

The post Hurricane Michael- What is being done? appeared first on The GreatFlorida 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.