Category: Home Insurance

Owning a home is a dream come true for many people, but it also comes with responsibilities and uncertainties. One critical aspect of homeownership is ensuring your investment, belongings, and family are protected by the right home insurance policy. Amid countless policy options and complex terms, it’s vital to understand home insurance basics and common practices.

A typical home insurance policy provides financial protection from various possible threats, including natural disasters, theft, vandalism, personal liability, and more. For first-time homebuyers or those looking to reassess their current coverage, it’s helpful to know the available coverage types and how they work. 

In this blog, we’ll explore all these aspects, providing helpful, educational material for homeowners to make well-informed decisions and safeguard their home and family. By the end of this comprehensive guide, you’ll better understand home insurance coverage, cost factors, and claims, empowering you with the knowledge to protect your most prized asset—your home.

Understanding the Types of Home Insurance Coverage

1. Dwelling Coverage

Dwelling coverage is the backbone of any standard home insurance policy. It protects the physical structure of your home and any permanently attached fixtures, such as plumbing, electrical systems, and built-in appliances. This coverage reimburses you for losses caused by covered perils, such as fire, windstorms, hail, or vandalism.

The amount of dwelling coverage you need should be based on the cost of rebuilding your home, not its market value. It’s essential to evaluate this amount periodically, considering any home improvements or fluctuations in construction costs.

2. Personal Property Coverage

Personal property coverage safeguards the belongings inside your home, such as furniture, electronics, and clothing. This coverage applies to losses resulting from covered perils, including theft and damage from fires or storms. Keep in mind that certain possessions, like jewelry, antiques, or artwork, may require additional coverage in the form of an endorsement or floater to fully protect their value. Creating a home inventory list with details and photos of your belongings can be incredibly valuable in the event of a claim.

3. Liability Coverage

Liability coverage is designed to protect you if someone is injured on your property or you cause harm to someone else’s property. This coverage can help pay for medical expenses, legal fees, and settlements in case of a lawsuit. It’s essential to evaluate your assets and potential risks when determining the right amount of liability coverage for your home insurance policy.

4. Additional Living Expenses (ALE)

Also known as Loss of Use, ALE coverage kicks into action if your home becomes uninhabitable due to a covered peril, such as a fire or storm. This vital coverage assists with temporary living expenses, including rent, hotel bills, and even extra costs for food and transportation. ALE coverage is typically calculated as a percentage of your dwelling coverage, so keep this in mind when selecting limits and reviewing your policy regularly.

Factors Affecting Home Insurance Costs

1. Age and Construction of Your Home

Newer homes tend to have lower insurance premiums, as they often feature modern construction techniques and materials that can better withstand potential damage. Additionally, updated plumbing, wiring, and heating systems decrease the risk of damage due to fire, flooding, or other accidents.

2. Location

Your home’s location can significantly impact insurance costs, especially if it’s in an area prone to floods, earthquakes, hurricanes, or other natural disasters not typically included in a standard home insurance policy. Additionally, proximity to fire departments or hydrants can positively impact your premium, while high crime rates could lead to higher costs.

3. Personal Belongings

The value of your personal property affects the amount of coverage you’ll need, and, consequently, your premium. Conducting a home inventory and keeping it updated will help you accurately assess your personal belongings’ value and adequately cover your assets.

4. Safety Features and Upgrades

Installing safety features such as smoke detectors, burglar alarms, and sprinkler systems can result in insurance discounts, which directly contribute to risk reduction. Updating roofing materials or retrofitting your home to improve structural resilience against natural disasters can also lower your insurance costs.

Navigating the Home Insurance Claims Process

1. When and How to File a Claim

When faced with a potential claim, it’s crucial to quickly assess the damage, considering your policy deductible and the potential impact on future premiums. Reach out to your insurance agent to discuss the situation and then file a claim if advised to do so.

2. Documenting and Providing Evidence

Photograph or video-record the affected area and create a detailed list of damaged or lost items, including their age, purchase price, and estimated replacement cost. Submit this evidence to your insurer, along with all necessary claim forms, within the specified timeframe.

3. Working with Adjusters and Contractors

An insurance adjuster will investigate your claim, assess the damage and estimate repair costs. Cooperate with the adjuster, but also seek independent estimates, as this gives you a clearer understanding of how different contractors value the necessary repairs.

4. Tracking and Completing the Claims Process

Stay informed about your claim’s progress, asking for updates and any required follow-ups. Keep records of all communication with your insurers, including dates, names, and key details. This will help ensure a smoother experience and achieve an equitable outcome.

Final Thoughts

Understanding the ins and outs of home insurance is vital for every homeowner. By familiarizing yourself with the types of coverage available, factors influencing costs, and the claims process, you will be better prepared to make informed decisions that protect your investments, assets, and family.

Bassine Insurance Agency is committed to helping homeowners navigate the complexities of home insurance, ensuring peace of mind and security through our comprehensive range of insurance products and services. We offer the best homeowners insurance in Fort Myers — the coverage you need at a price that fits your budget. Message us to request a quote today!

Helpful Resources

• Insurance Information Institute — Homeowners Insurance Guide
• FEMA — National Flood Insurance Program

Frequently Asked Questions

What does homeowners insurance cover in Florida?

Standard homeowners insurance covers your dwelling, personal property, liability, and additional living expenses. It does not cover flood damage — you need a separate flood insurance policy for that.

How much homeowners insurance do I need in Fort Myers?

Your coverage should rebuild your home at current construction costs. Fort Myers homeowners should also consider windstorm and flood coverage. Call Bassine Insurance at (239) 995-0333 for a free review.

Does homeowners insurance cover hurricane damage?

Standard policies cover wind damage but NOT flood damage. Most Fort Myers homeowners need both homeowners and flood insurance for complete hurricane protection.

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.

Conclusion

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.

Helpful Resources

• Insurance Information Institute — Homeowners Insurance Guide
• FEMA — National Flood Insurance Program

Frequently Asked Questions

What does homeowners insurance cover in Florida?

Standard homeowners insurance covers your dwelling, personal property, liability, and additional living expenses. It does not cover flood damage — you need a separate flood insurance policy for that.

How much homeowners insurance do I need in Fort Myers?

Your coverage should rebuild your home at current construction costs. Fort Myers homeowners should also consider windstorm and flood coverage. Call Bassine Insurance at (239) 995-0333 for a free review.

Does homeowners insurance cover hurricane damage?

Standard policies cover wind damage but NOT flood damage. Most Fort Myers homeowners need both homeowners and flood insurance for complete hurricane protection.

Homeownership is a significant investment, and protecting it is crucial. A home insurance policy is a contract between the homeowner and the insurer, providing financial protection against unexpected circumstances such as fire, theft, and natural disasters. Home insurance policy offers peace of mind by safeguarding the homeowner’s property and assets.

Protection against Natural Disasters

Natural disasters such as floods, hurricanes, and earthquakes can cause severe damage to a home. The home insurance policy covers the costs of repairing or rebuilding a home that has sustained damage from natural disasters. Without insurance, homeowners may be forced to bear the full cost of repairs, which can be financially crippling.

Protection against Theft

Home insurance policy provides coverage against theft or burglary. In the event of a break-in, the policy will cover the loss of personal property, such as electronics, jewelry, and other valuables. Homeowners can also opt for additional coverage to protect against specific types of theft, such as identity theft.

Liability Protection

Home insurance policy also provides liability protection to homeowners. Liability coverage protects homeowners against lawsuits arising from injuries or damages sustained by visitors to their property. For example, if a visitor slips and falls on the homeowner’s property, the liability coverage will pay for medical expenses and legal fees associated with the lawsuit.

Mortgage Requirement

Most mortgage lenders require homeowners to have a home insurance policy. The insurance policy ensures that the lender’s investment is protected in the event of damage or destruction to the property. If the homeowner does not have insurance, the lender may require the homeowner to purchase it, and the cost may be added to the monthly mortgage payment.

Protection for Personal Assets

Home insurance policy covers personal property within the homeowner’s property. Personal property includes items such as furniture, clothing, and electronics. Without insurance, these items would not be covered in the event of damage or destruction to the home.

Temporary Housing Coverage

In the event of significant damage to the home, homeowners may be forced to seek temporary housing. Home insurance policy provides coverage for temporary housing expenses. This coverage ensures that homeowners are not left without a place to stay while their home is being repaired or rebuilt.

Peace of Mind

Home insurance policy provides peace of mind to homeowners. Knowing that their investment is protected against unexpected circumstances such as natural disasters, theft, and liability claims can ease the stress of homeownership. Homeowners can focus on enjoying their homes and not worrying about the financial consequences of unexpected events.

Cost-Effective

Home insurance policy is cost-effective. The cost of insurance is a small price to pay for the peace of mind and financial protection it provides. Homeowners can choose the coverage that best fits their needs and budget. The cost of insurance varies depending on factors such as location, age of the home, and the coverage amount.

To Sum Up

Home insurance policy is essential for homeowners. It protects against natural disasters, theft, liability claims, and personal asset loss. Homeowners can also benefit from temporary housing coverage and the peace of mind that insurance provides. Most mortgage lenders require home insurance policy, and it is cost-effective. Homeowners should choose the coverage that best fits their needs and budget. Home insurance policy offers financial protection and peace of mind, making it an investment well worth the cost.

Bassine Insurance is a reputable home insurance agency in Fort Myers. We also offer a wide range of insurance products. Get started now. 

Helpful Resources

• Insurance Information Institute — Homeowners Insurance Guide
• FEMA — National Flood Insurance Program

Frequently Asked Questions

What does homeowners insurance cover in Florida?

Standard homeowners insurance covers your dwelling, personal property, liability, and additional living expenses. It does not cover flood damage — you need a separate flood insurance policy for that.

How much homeowners insurance do I need in Fort Myers?

Your coverage should rebuild your home at current construction costs. Fort Myers homeowners should also consider windstorm and flood coverage. Call Bassine Insurance at (239) 995-0333 for a free review.

Does homeowners insurance cover hurricane damage?

Standard policies cover wind damage but NOT flood damage. Most Fort Myers homeowners need both homeowners and flood insurance for complete hurricane protection.

Having a home is a major investment, and it is important to protect that investment. The importance of home insurance will be further covered in this post, along with some beginner-friendly advice. 

Why Should You Have a Homeowners Insurance? 

One of the important reasons to have homeowners insurance is to protect your home and its contents from potential damage and losses. Homeowners insurance covers the cost of repairs or replacements for damaged or destroyed property and personal belongings. This includes losses due to fire, theft, storms, and other disasters. Homeowners insurance also covers liabilities resulting from accidents that occur on your property.

Another reason to have homeowners insurance is to protect your financial assets. Homeowners insurance can help cover the costs of legal fees, medical bills, and other expenses that may result from an accident on your property. This helps ensure you are not left with a significant financial burden in a disaster. 

Finally, having homeowners insurance can help you save money in the long run. 

How to Reduce the Cost of Homeowner’s Insurance

Here are a few suggestions that could be helpful to you:

Make A New Security System Investment

Most insurance companies offer up to 5% reductions when a home security system is centrally monitored or directly connected to the local police station. To qualify for the discount, the homeowner must present a bill or contract to the insurance provider.

Moreover, functionally placed smoke alarms are crucial. When put in older homes, they can cut annual insurance premiums by 10% or more.

Increase Your Deductions

The homeowner’s annual premiums drop the higher the deductible they choose, and vice versa, just like health or auto insurance. If you choose a high-deductible insurance plan, you will be responsible for small claims like broken windows or leaking pipes.

Get Discounts When You Buy Numerous Policies

Consumers usually get a 10% discount if they have multiple insurance plans with the same supplier (such as auto or health insurance). The business that provides insurance for your property can give you a quote for additional coverage.

Resolve Your Mortgage

Even though owning a home can be challenging, homeowners insurance is inexpensive. This is because the insurance company is sure that you will take better care of the location now that the mortgage has been paid off and you have complete ownership of the house.

How to Choose the Top Home Insurance Company

Finding the right home insurance company can be daunting, especially when so many companies offer various policies and coverage options. With the right research and planning, however, you can find a reliable home insurance company that will provide the coverage you need at a price you can afford.

Here are tips to help you choose the top home insurance company:

Consider Your Needs

Before you start researching different companies, it’s important to consider your needs. Consider the type of coverage you need, how much you need, and whether or not you need additional coverage for specific items (such as electronics, jewelry, or art). This will help you narrow your options and find a company that offers the coverage you need.

Shop Around for the Best Price

After you’ve narrowed down your alternatives, start looking around for the best deal. Instead of choosing the first company you come across, compare the prices of others. You can also contact multiple companies and ask for a quote to get an exact picture of how much they charge.

Read the Fine Print

Before you sign up with a home insurance agency, be sure to read the fine print. Ensure you understand the policy’s terms and conditions, including what it covers and any exclusions. You can avoid any unpleasant surprises in the future by doing this.

Finding the best house insurance provider for your unique requirements can be accomplished by using the advice in this article. Make sure you shop around and take your time to find the finest coverage at the lowest cost.

Conclusion 

Homeowners insurance is an important type of insurance for homeowners to have. It provides coverage for the items inside your home and the structure of your home in the event of a loss due to fire, theft, or natural disasters. It also covers the costs of medical expenses if a person is injured on your property or if you are liable for a third party’s injury or property damage. You can feel secure knowing that you are financially secure in the event of an unplanned tragedy if you have homeowner’s insurance.

Bassine Insurance offers homeowners insurance in Fort Myers and other insurance products to protect you and your loved ones. Contact us to get started!

Helpful Resources

• Insurance Information Institute — Homeowners Insurance Guide
• FEMA — National Flood Insurance Program

Frequently Asked Questions

What does homeowners insurance cover in Florida?

Standard homeowners insurance covers your dwelling, personal property, liability, and additional living expenses. It does not cover flood damage — you need a separate flood insurance policy for that.

How much homeowners insurance do I need in Fort Myers?

Your coverage should rebuild your home at current construction costs. Fort Myers homeowners should also consider windstorm and flood coverage. Call Bassine Insurance at (239) 995-0333 for a free review.

Does homeowners insurance cover hurricane damage?

Standard policies cover wind damage but NOT flood damage. Most Fort Myers homeowners need both homeowners and flood insurance for complete hurricane protection.

It’s no secret that having a vacation home can be a great way to relax and enjoy life. But it also comes with a lot of responsibility. One of the most important responsibilities is getting the right insurance for your vacation home. 

Vacation home insurance can help protect your home and belongings from a variety of risks, from fire and theft to natural disasters. In this article, we’ll discuss the basics of vacation home insurance and how to make sure you get the coverage you need.

1. Understand the Difference between Vacation Home Insurance and a Traditional Homeowners Insurance Policy

Vacation home insurance is designed to provide coverage for properties that are used as second homes. This means that the policy provides coverage for damages that occur while the property is not being used as a primary residence. 

Traditional homeowners insurance provides coverage for damages that occur while the property is being used as a primary residence.

2. Consider the Risks Associated with the Property

When selecting a vacation home insurance policy, it’s important to consider the risks associated with the property. Different locations and climates may be associated with different risks, so it’s important to select a policy that will provide coverage for the specific risks associated with your vacation home. 

For example, if your vacation home is located in a hurricane-prone area, you may want to consider getting additional coverage for flooding and wind damage.

3. Ensure That the Policy Covers All of the Possessions in Your Vacation Home

Many vacation home insurance policies provide coverage for the structure of the home and its contents, but it’s important to make sure that the policy includes coverage for any valuable items and personal belongings inside the home.

4. Consider Additional Coverage

In addition to the standard coverage offered by most insurance providers, you may also want to consider additional coverage. This can include protection against natural disasters, liability protection, and even coverage for personal items in the home.

5. Consider the Cost of Replacement 

When insuring your vacation home, it’s important to consider the cost of replacing the home in the event of a disaster. The cost of replacement can be higher than the original purchase price, so make sure your policy covers the full amount. 

6. Shop Around for the Best Coverage and Price for Your Vacation Home Insurance Policy

Insurance rates can vary significantly between companies, so it’s important to shop around for the best rates. Compare quotes from multiple companies to ensure you’re getting the best coverage for the best price.

7. Regularly Review Your Policy to Make Sure That It Still Meets Your Needs

It’s important to ensure that you’re regularly reviewing your policy to ensure it still meets your needs. As your vacation home ages, the coverage that you need may change, so it’s important to make sure that you’re regularly reviewing your policy to make sure that it is up to date.

Conclusion

Vacation home insurance is an important part of owning a second home. It can provide peace of mind and protect your home and belongings from a variety of risks. 

When selecting a policy, it’s important to consider the risks associated with the property, make sure the policy covers all of the possessions in the home, consider additional coverage and cost of replacement, and shop around for the best coverage and price. 

Finally, regularly review your policy to ensure it meets your needs. By following these steps, you can make sure that you have the right coverage for your vacation home.

Are you looking for the best homeowners insurance in Fort Myers for your vacation home? If so, you’ve come to the right place! At Bassine Insurance, we are dedicated to providing our customers with the best coverage for their homes and vacation properties. We’ll also make sure you’re getting the best value for your money. Contact us today to learn more about our home insurance plans and get a free quote!

Helpful Resources

• Insurance Information Institute — Homeowners Insurance Guide
• FEMA — National Flood Insurance Program

Frequently Asked Questions

What does homeowners insurance cover in Florida?

Standard homeowners insurance covers your dwelling, personal property, liability, and additional living expenses. It does not cover flood damage — you need a separate flood insurance policy for that.

How much homeowners insurance do I need in Fort Myers?

Your coverage should rebuild your home at current construction costs. Fort Myers homeowners should also consider windstorm and flood coverage. Call Bassine Insurance at (239) 995-0333 for a free review.

Does homeowners insurance cover hurricane damage?

Standard policies cover wind damage but NOT flood damage. Most Fort Myers homeowners need both homeowners and flood insurance for complete hurricane protection.

Home insurance is a type of property insurance that covers losses and damage to a person’s home. It is also known as homeowners insurance or hazard insurance. Home insurance is essential because it helps protect your home and belongings from damage or loss. It can also help you financially if you cannot live in your home due to a covered event.

Before getting a home insurance policy, it is vital to know the extent of its coverage. In this guide, we’ll tell you what you need to know.

What Does Home Insurance Cover?

Your home is likely your most valuable asset, so it’s essential to ensure it’s appropriately protected in case of an accident, fire, or other disasters. That’s where home insurance comes in. A typical home insurance policy covers the dwelling, personal property, liability, loss of use, and other structures on your property.

1. Dwelling Coverage

Dwelling coverage is the portion of your home insurance policy that covers the physical structure of your home. This includes the walls, roof, foundation, and other permanent fixtures. Dwelling coverage typically covers damage from events like fires, severe weather, and vandalism.

2. Personal Property Coverage

Personal property coverage is the portion of your home insurance policy that covers your belongings. This includes furniture, electronics, clothing, and any other items that are not permanently attached to your home. Personal property coverage typically covers damage from events like fires, severe weather, and theft.

3. Liability Coverage

Liability coverage is the portion of your home insurance policy that protects you from financial responsibility if someone is injured on your property or if you damage someone else’s property. For example, if a guest slips and falls in your home and requires medical attention, liability coverage would help pay for their medical bills.

4. Loss of Use Coverage

Loss of use coverage is the portion of your home insurance policy that covers additional living expenses if your home is uninhabitable due to a covered peril. For example, if a fire damages your home and you have to live in a hotel while it’s being repaired, loss of use coverage would help pay for your hotel expenses.

5. Other Structures Coverage

Other structures coverage is the portion of your home insurance policy that covers any structures on your property that are not attached to your home. This includes detached garages, sheds, and fences. Other structures coverage typically covers damage from events like fires, severe weather, and vandalism.

What Are the Types of Home Insurance Levels?

1. Actual Cash Value

Actual cash value (ACV) is a method of valuing property insurance claims based on the replacement cost of the damaged or destroyed property minus depreciation. In other words, it is the property’s current market value, less the amount it would cost to replace the property with new materials and labor.

2. Replacement Cost

Replacement cost is the amount of money it would take to rebuild your home from scratch in the event of a total loss. This is different from the market value of your home, which is the amount of money your home would sell for on the open market.

Many home insurance policies have a clause that states that the coverage is based on replacement cost, not market value.

If your home is destroyed and you only have a policy with replacement cost coverage, your insurance company will only pay to rebuild your home, not to compensate you for losing your home’s market value.

Final Thoughts

Home insurance is an essential type of insurance to protect your home and belongings in the event of a natural disaster or other unforeseen events. While the cost of home insurance can vary depending on the insurer and the coverage you choose, it is generally a relatively affordable way to protect your investment.

If you’re looking for a home insurance company in Fort Myers, Bassine Insurance is an excellent choice. Request a quote today to learn more about the coverage we offer.

Helpful Resources

• Insurance Information Institute — Homeowners Insurance Guide
• FEMA — National Flood Insurance Program

Frequently Asked Questions

What does homeowners insurance cover in Florida?

Standard homeowners insurance covers your dwelling, personal property, liability, and additional living expenses. It does not cover flood damage — you need a separate flood insurance policy for that.

How much homeowners insurance do I need in Fort Myers?

Your coverage should rebuild your home at current construction costs. Fort Myers homeowners should also consider windstorm and flood coverage. Call Bassine Insurance at (239) 995-0333 for a free review.

Does homeowners insurance cover hurricane damage?

Standard policies cover wind damage but NOT flood damage. Most Fort Myers homeowners need both homeowners and flood insurance for complete hurricane protection.