by barefootins | Sep 4, 2026 | Florida Insurance, Personal Insurance
Finding Reliable Homeowners Insurance in Sanibel, Florida
Sanibel Island is famous for its natural beauty, wildlife refuges, and luxurious waterfront homes. Protecting these properties requires specialized Florida homeowners insurance designed for coastal environments and discussed with skilled insurance professionals.
Barefoot Insurance Brokers help residents across Sanibel Island compare multiple insurance options to secure competitive coverage at the right price. Barefoot Insurance Brokers represent many Florida based insurers to offer competitive options and great value to the local community.
Key Insurance Coverages for Sanibel Homes
Sanibel homeowners often consider combining several types of protection, including:
• Homeowners Insurance for wind and property coverage
• Flood Insurance for coastal flood zones
• Personal Article Floater policies for valuables
• Personal Umbrella policies for additional liability protection
Why Flood Insurance Matters on Sanibel
Many homes on Sanibel sit within FEMA flood zones, making flood insurance an essential protection for property owners.
Barefoot Insurance Brokers helps residents obtain both:
• National Flood Insurance Program policies
• Private flood insurance options with higher limits
Insurance Guidance from Allie Horblitt
Florida insurance broker Allie Horblitt works with homeowners throughout Sanibel Island to help them compare policies and understand coverage options.
Request a Free Insurance Review
Residents of Sanibel Island can contact Barefoot Insurance Brokers today.
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 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@barefootins.com or call/text 786-440-8242
by barefootins | Aug 14, 2026 | Commercial Auto Insurance, Commercial Insurance, Florida Insurance, Marine Insurance
Are you a Marine Artisan in South Florida?
Whether you’re fixing engines, props, marine electronics, masts, or detailing vessels, you need the right insurance coverages to get into the top marinas in the area.
Allie Horblitt with Barefoot Insurance Brokers works with the top insurers in Florida Coastal Areas to insure all types of Marine Artisan Vendors and insurance requirements at the most discerning marinas like Safe Harbor Rybovich, Town of Palm Beach Marina, Palm Harbor Marina, Loggerhead Marina, 17th Street Yacht Basin, Lauderdale Marine Center and Old Port Cove Marina, to name a few.
Give me a call today to discuss your business venture and your insurance needs! 786-440-8242
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 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@barefootins.com or call/text 786-440-8242
by barefootins | Jul 23, 2026 | Florida Insurance, Personal Insurance
Florida Auto Insurance for Coastal Communities
While Sanibel and Captiva are known for their relaxed island lifestyle, residents still depend on reliable transportation. Whether commuting to Fort Myers or exploring Southwest Florida, drivers need dependable Florida auto insurance coverage.
Barefoot Insurance Brokers helps drivers compare policies from multiple carriers to find competitive coverage.
Auto Insurance Options Available
Residents may obtain:
• Standard Florida auto insurance policies through major A rated carriers like Progressive Insurance, GEICO, National General, an Allstate Company, Traveler’s Insurance, Clearcover, ROOT, Mercury Insurance, Kemper, Bristol West of the Farmers Group of Insurance Companies, The General, and more.
• SR-22 insurance filings
• FR-44 insurance policies
• High-risk auto insurance programs
• Owner and non-owner policies
Why Work with an Independent Broker?
Florida Independent insurance brokers like Barefoot Insurance Brokers can compare multiple insurance carriers at once, helping drivers find competitive pricing and coverage options.
Contact Allie Horblitt
Drivers living on Sanibel Island and Captiva Island can contact Allie Horblitt for a free auto insurance quote.
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 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@barefootins.com or call/text 786-440-8242
by barefootins | Jul 20, 2026 | Florida Insurance, Personal Insurance
If you’ve recently been told you need FR44 or FR-44 insurance in Florida, you’re probably asking the same questions we hear every week at Barefoot Insurance Brokers.
“What is FR44?”
“Why do I need it?”
“How can I get my license reinstated?”
The good news is you’re not alone.
What Is FR44 Insurance?
Despite the name, FR44 isn’t actually a type of insurance policy.
An FR44 is a certificate your insurance company files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) showing that you carry the required liability insurance after certain DUI-related convictions.
Why Is FR44 Different?
Florida requires much higher liability limits for drivers who must carry an FR44 than for standard auto insurance policies. You typically need a $100,000/$300,000 split limit liability on your auto insurance in Florida to satisfy the FR-44 insurance requirement.
This added financial responsibility is one reason premiums may increase after a DUI conviction.
Can You Switch Insurance Companies?
Yes.
Many Florida drivers believe they’re stuck with their current insurance company after an FR44 requirement.
In many cases, you can compare other insurance options—as long as the required filing remains active without a lapse. You must carry the FR-44 insurance filing for 3 years in total once your license or driving privledge is reinstated.
How Long Will I Need FR44?
Most Florida drivers are required to maintain continuous FR44 coverage for several years.
Allowing your policy to lapse could result in additional penalties or another license suspension.
Barefoot Insurance Brokers Can Help
Every driver’s situation is different.
Whether you’re in Fort Lauderdale, Margate, Coral Springs, Pembroke Pines, Hollywood, Boca Raton, Titusville, Melbourne, Stuart, or anywhere else in Florida, Barefoot Insurance Brokers can help you review available FR44 insurance options and explain the filing process.
If you’ve been told you need FR44 insurance, our team is here to answer your questions and help you get back on the road.
About the Author
Alexandra “Allie” Horblitt is a Licensed Independent Insurance Agent with North Broward Insurance Solutions, Inc., 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 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.
👣 Go Barefoot All Year Long.
by barefootins | Jul 8, 2026 | Florida Insurance, Marine Insurance, Personal Insurance
Sanibel & Captiva Flood Insurance Guide
Flood Insurance for Coastal Homes in Southwest Florida
Flooding is one of the most significant risks for homeowners living on Sanibel and Captiva Islands. Even properties outside high-risk flood zones can experience flooding from heavy rainfall or storm surge. Did you know that 38% of floods occur in zones that are considered “low risk?”
Barefoot Insurance Brokers helps homeowners obtain reliable Florida flood insurance coverage at affordable prices throughout the state.
Flood Insurance Options
Homeowners may choose between:
• FEMA National Flood Insurance Program (NFIP) policies
• Private flood insurance with higher limits and additional coverage
Private flood insurance programs often provide higher building limits and coverage for additional living expenses, loss of use coverages and offer coverage in areas that the NFIP would otherwise exclude, like CBRA
Protecting Homes in Coastal Communities
Flood insurance is particularly important for homes located in:
• Gulf-front properties
• Canal communities
• Low-lying coastal areas
Work with Allie Horblitt
Florida insurance broker Allie Horblitt helps property owners compare flood insurance options to find the best protection for their homes.
Contact Barefoot Insurance Brokers today for a flood insurance quote.
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 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@barefootins.com or call/text 786-440-8242
