7 Tips for Choosing the Best Fort Myers Auto Insurance Provider

auto insurance

When it comes to auto insurance, choosing the right provider is crucial. With so many options available, it can be overwhelming to find the best auto insurance agency in Fort Myers. However, by taking the time to research and compare different agencies, you can secure the best coverage for your needs. 


Here are seven essential tips to help you choose the best Fort Myers auto insurance provider.


1. Research and Compare

Before choosing an auto insurance agency in Fort Myers, it’s essential to conduct thorough research. Start by checking online reviews and ratings on sites like Google, Yelp, and the Better Business Bureau. These reviews can give you a good idea of customer satisfaction and the overall reputation of the agency.

Additionally, talk to friends, family, and coworkers for recommendations. Word of mouth is often the best way to find a reliable auto insurance agency in Fort Myers.

2. Evaluate Financial Stability

An auto insurance provider’s financial strength is essential to ensure that they can fulfill their obligations to policyholders. Before selecting an insurance agency in Fort Myers, check their financial strength rating from reputable agencies such as A.M. Best, Standard & Poor’s, and Moody’s. A provider with a strong financial rating is more likely to be reliable and able to pay out claims promptly.

3. Assess Coverage Options

Not all auto insurance policies are created equal. When comparing different agencies, make sure to consider the coverage options they offer. Some of the standard coverage options include liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection.

Consider your specific needs and choose a provider that offers the coverage options that best suit your requirements.

4. Compare Quotes

Price is a significant factor when it comes to choosing an auto insurance agency in Fort Myers. Request quotes from multiple providers, and compare them to ensure you’re getting the best deal. Keep in mind that the cheapest option may not always be the best choice, so weigh the cost against the coverage and services offered.

5. Check for Discounts

Many auto insurance providers offer discounts to attract customers, so be sure to inquire about any available discounts when comparing quotes. Common discounts include multi-policy, multi-vehicle, safe driver, and good student discounts. While these discounts can help you save money on your premium, make sure the overall coverage and service are still up to par.

6. Evaluate Customer Service and Claims Handling

Exceptional customer service and efficient claims handling are essential when dealing with an auto insurance agency. You want a provider that is responsive and easy to work with, particularly when you need to file a claim. Check online reviews and ask for recommendations from friends and family to gauge the level of customer service provided by each agency.

7. Choose a Local Provider

While there are many national and online-only auto insurance providers, choosing a local auto insurance agency in Fort Myers can offer several benefits. A local provider will have a better understanding of the specific insurance requirements in your area and can provide personalized service. Additionally, local providers are more accessible and may be more responsive to your needs.


Selecting the best Fort Myers auto insurance provider requires time and effort, but it’s worth it to ensure you have the right coverage and a reliable partner in case of an accident. By following these seven tips, you can find a trustworthy and affordable auto insurance agency that meets your needs and provides peace of mind on the road.

Are you looking for a reliable auto insurance agency in Fort Myers? Then look no further than Bassine Insurance! We offer a wide range of auto insurance coverage options that will suit any driver. Our team of experienced and knowledgeable agents is committed to helping their clients find the best coverage at the most affordable rates. Contact us today to get a free quote and see how we can assist you in finding the perfect auto insurance coverage for your needs!

Flood Insurance: Myths and Facts That You Need to Know

Flood Insurance

Floods are a common natural disaster that can cause severe damage to both homes and businesses. It is essential to have flood insurance to protect yourself from the financial burden of flood damage.

However, myths and misconceptions surrounding flood insurance can lead to confusion. In this article, we will explore the facts and myths about flood insurance.

Myth: Homeowner’s Insurance Policy Covers Flood Damage

One of the most common misconceptions about flood insurance is that a standard homeowner’s insurance policy covers flood damage. The truth is that homeowner’s insurance does not cover flood damage. Flood insurance is a separate policy you must purchase from an insurance agency.

Fact: Federal Government Offers Flood Insurance

The National Flood Insurance Program (NFIP) is a federal program that offers flood insurance to homeowners, renters, and business owners. The program is administered by the Federal Emergency Management Agency (FEMA) and is available to anyone living in a community that participates in the program. The NFIP offers up to $250,000 in coverage for a home and up to $100,000 in coverage for personal property.

Myth: Flood Insurance Is Expensive

Many people believe that flood insurance is costly and not worth the investment. However, the cost of flood insurance depends on several factors, such as the location of your property, the level of risk, and the amount of coverage you need. In some cases, flood insurance can be affordable, especially if your property is in an area with a low risk of flooding.

Fact: Flood Insurance is Required in High-Risk Areas

If you live in a high-risk flood zone, your mortgage lender may require you to have flood insurance. High-risk flood zones are areas that have a 1% chance of flooding in any given year, also known as a 100-year flood zone. Flood insurance is mandatory in these areas to protect the lender’s investment and your property.

Myth: Flood Insurance Covers Everything

Another common misconception about flood insurance is that it covers all types of flood damage. Flood insurance policies have limitations and exclusions, and it is essential to understand what is covered and what is not covered.

For example, flood insurance does not cover damage caused by sewer backups or mold. It is crucial to read your policy carefully and understand the terms and conditions of your coverage.

Fact: Flood Insurance Has a Waiting Period

Flood insurance policies have a waiting period before they become effective. The waiting period is usually 30 days from the date of purchase, and it is designed to prevent people from purchasing flood insurance only when they see a flood warning. It is essential to purchase flood insurance well before the flood season to ensure you are adequately covered.

Myth: Only High-Risk Areas Need Flood Insurance

Many people believe that they do not need flood insurance if they do not live in a high-risk flood zone. However, floods can happen anywhere, and even a few inches of water can cause significant damage to your property. It is essential to assess your risk of flooding and consider purchasing flood insurance even if you do not live in a high-risk area.

Fact: Flood Insurance Can Save You Money

While flood insurance may seem unnecessary, it can save you money in the long run. The cost of flood damage can be significant, and without insurance, you may have to pay out of pocket for repairs and replacements. Flood insurance can help you avoid financial devastation in the event of a flood.


Flood insurance is essential to protect your home, business, and personal property from the damage caused by floods. It is crucial to understand the facts and myths about flood insurance to make an informed decision about purchasing coverage. Remember that flood insurance is not included in a standard homeowner’s insurance policy and that the federal government offers flood insurance through the National Flood Insurance Program. Contact an insurance agent to discuss your options for flood insurance and ensure that you are adequately covered.

Bassine Insurance is an insurance agency in Fort Myers that offers flood insurance and other types of coverage to protect your assets. Contact us today to learn more about how we can help you find the right insurance solutions for your needs. 

Mobile Home Insurance: What it Covers and Why You Need It

Mobile Home Insurance

Mobile or manufactured homes are affordable housing options for many people. As a mobile homeowner, it’s essential to understand the unique risks of this type of dwelling and ensure that your property investment is well protected with the right insurance coverage. Mobile home insurance is specifically designed to cover the unique features of a mobile home and can provide comprehensive protection against various risks that may arise. 

This blog will discuss what mobile home insurance covers and why it’s essential today.

What Does Mobile Home Insurance Cover?

Mobile home insurance is similar to a traditional homeowner’s insurance policy but specifically tailored to cater to mobile homes’ unique risks and requirements. Some of the primary coverages that are typically included in a mobile home insurance policy are:

1. Property Coverage

This type protects your mobile home and any attached structures, including a deck or porch, against damage or loss caused by various perils. Common perils covered under property coverage include fire, windstorms, hail, vandalism, and theft. 

It is important to note that specific perils, like floods and earthquakes, may not be fully covered under a standard mobile home insurance policy and may require additional coverage.

2. Personal Property Coverage

This coverage helps safeguard your personal belongings in the circumstances of damage or theft. This includes items such as furniture, electronics, clothing, and appliances. 

It is vital to properly assess the value of your belongings so that you can select an adequate coverage limit to replace your items in the event of a loss.

3. Liability Coverage

Liability coverage is essential for financially protecting yourself in case someone gets injured on your property or if you are legally responsible for causing damage to someone else’s property. 

This coverage can cover medical expenses, legal fees, and other costs related to a liability claim.

4. Additional Living Expenses (ALE) Coverage

Suppose your mobile home becomes uninhabitable due to a covered peril. In that case, ALE coverage can help pay for temporary living arrangements, such as hotel expenses, while your home is being repaired or replaced.

5. Optional Coverages

Add optional coverages to your mobile home insurance policy depending on your needs. Some of the common optional coverages include:

  • Replacement Cost Coverage: This coverage reimburses your mobile home and personal property at their current market value without accounting for depreciation.
  • Water Backup Coverage: This coverage can protect your mobile home from damage caused by water backup from sewers, drains, or sump pumps.
  • Trip Collision Coverage: If you plan to move your mobile home, this coverage can protect against damage that may occur during transit.

Why Do You Need Mobile Home Insurance?

There are several key reasons why mobile home insurance is essential for protecting your investment and ensuring your peace of mind:

1. Financial Protection: Mobile homes are susceptible to various risks, such as natural disasters, theft, and vandalism. With proper insurance coverage, you can handle significant out-of-pocket expenses to repair or replace your home and belongings after an unfortunate event.

2. Legal Requirements: If you have a mortgage on your mobile home, your lender may request you to carry a certain amount of insurance coverage to protect your investment. Additionally, some states may have specific insurance requirements for mobile homes.

3. Liability Protection: Accidents can happen, and without liability coverage, you may be financially responsible for any injuries or property damage on your property. Liability coverage can help protect your assets and provide financial support in case of a lawsuit.


Mobile home insurance is essential for protecting your investment and ensuring your peace of mind. By understanding the types of coverage available, considering any additional coverage choices that may be relevant to your situation, and shopping around for the best policy, you can ensure that you have the proper protection in place for your mobile home. Remember to periodically review and update your policy as needed to account for changes in your circumstances or the value of your property. 

The Bassine Insurance Agency is a highly reliable and comprehensive provider of various insurance products, catering to the diverse needs of its clients. With a vast array of offerings, such as life, health, auto, business, and mobile home insurance in Fort Myers, our agency is committed to delivering personalized solutions to protect individuals’ and businesses’ valuable assets and well-being. To discuss your specific insurance requirements, do not hesitate to contact us and allow our expertise to benefit you and your loved ones.

Why Business Insurance Is Vital for Your Financial Security

business insurance

As a business owner, you are exposed to several risks and uncertainties that could threaten your company’s future. These risks include natural disasters, theft, lawsuits, and other events that could lead to significant financial losses. While you need to focus on growing your business, having a solid financial plan with business insurance is equally important.

What Is Business Insurance?

Business insurance protects a company from financial losses resulting from unexpected events. These events could include property damage, liability claims, or loss of income due to business interruption. These policies are designed to meet the unique needs of each business, and they can be customized to include various types of coverage.

Types of Business Insurance

  • General Liability Insurance: This insurance covers your business against claims of bodily injury, property damage, and advertising injury. It protects your business from lawsuits, medical expenses, and other costs associated with accidents on your premises or during business operations.
  • Property Insurance: Property insurance covers your business against damage or loss of property due to fire, theft, or other events. It includes coverage for your building, equipment, inventory, and other assets.
  • Business Interruption Insurance: If your business operations are interrupted due to an unexpected event such as a natural disaster, business interruption insurance can cover income loss that you would have earned during the period of interruption.
  • Cyber Liability Insurance: This type of insurance protects your business against losses from cyber-attacks such as data breaches and hacking. It includes coverage for data loss, legal fees, and other costs associated with cyber incidents.
  • Workers’ Compensation Insurance: A business is required by law to have workers’ compensation insurance, which offers coverage for employees who are injured or become ill while on the job. It covers medical expenses, lost wages, and rehabilitation costs.

The Benefits of Business Insurance

Having business insurance as part of your financial plan offers several advantages. Some of the notable ones are the following:

  • Financial Protection: Business insurance protects against unexpected events resulting in significant financial losses. This protection can help keep your business afloat during challenging times and prevent you from going bankrupt.
  • Peace of Mind: Knowing that your business is covered in case of unexpected events can give you peace of mind and lets you focus on running and growing it.
  • Legal Compliance: Depending on your state, having certain types of business insurance may be required by law. Ensuring you have the necessary coverage can help avoid legal issues and penalties.
  • Credibility: Being insured can enhance your business’s credibility and reputation. It shows you are a responsible business owner caring for their employees, customers, and assets.
  • Risk Management: Business insurance can help you manage risk by identifying potential risks and taking steps to mitigate them.

Final Thoughts

Business insurance is vital to your financial plan as a business owner. It provides financial protection, peace of mind, legal compliance, and credibility. As you create your financial plan, consider the types of coverage that are most important for your business and work with an experienced insurance agent to find the right policies that meet your needs.

Protect your business from various risks with the help of Bassine Insurance. For more than 30 years, we have been offering business insurance in North Fort Myers and surrounding areas. Our team of experienced agents can help you identify potential risks and create a customized insurance plan that meets your specific needs. 

Call 239-995-0333 or email us at info@bassineinsurance.com for a free quote!