Insurance Considerations for Vacation Homes in Southwest Florida
Sanibel and Captiva attract seasonal residents and second-home owners from across the United States. Working with a well-rounded Florida-based independent insurance brokerage can fill the gaps between your short-term renters or tenants, your seasonal stay in your gorgeous vacation property and your staff members, like maintenance, management and cleaners, that help you keep your vacation home business moving full-steam ahead.
Seasonal, short-term rental and vacation homes often require specialized insurance coverage due to seasonal occupancy. Barefoot Insurance Brokers are insuring vacation and seasonal residences across the area, including Gold Coast, Pine Island, South Seas Plantation and South Seas Island Resort and the Roosevelt Channel Waterfront Estates.
Coverage Options for Seasonal Properties
We can assist with all residential property forms across Captiva including condo HO-6 policies, DP1 and DP3 insurance as well as HO3 and HO5 for your personal-use vacation properties.
Barefoot Insurance Brokers helps vacation homeowners obtain coverage including:
• Homeowners Insurance for seasonal homes
• Flood Insurance
• Personal Article Floaters
• Personal Umbrella Liability coverage
We can insure the LSV or low speed vehicle that stays in the garage year-round, offer umbrella insurance policies between $1 Mil – $10 Mil as well as boat insurance for your seasonal vessels on the lift out back.
Why Work with Barefoot Insurance Brokers
Independent insurance brokers can compare multiple carriers to find coverage that fits vacation properties and coastal homes. Florida-based Independent Insurance brokers have more coverage and carrier options than insurance agents based out of State. It’s in your best interest to work with a broker who has coastal insurance knowledge and product opportunity for the best outcome in the event of a claim.
Contact Allie Horblitt
If you own property in Sanibel or Captiva Island, Allie Horblitt can help review your current insurance coverage.
About the Author
Alexandra “Allie” Horblitt is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers, bringing over 14 years of industry experience to her clients. She specializes in marine artisan insurance, workers’ compensation including USL&H, general liability, and commercial auto coverage. Allie is licensed to sell personal and commercial insurance products in Alabama, Florida, Georgia, Colorado, Indiana, Ohio, Texas and Virginia. To connect with Allie for customized coverage solutions, email her at allie@northbrowardinsurance.com or call/text 786-440-8242.