by barefootins | Jul 2, 2026 | Florida Insurance, Personal Insurance
Insurance for Jewelry, Art, Guns and Collectibles in Sanibel and Captiva Island, Florida
Many homeowners in Sanibel and Captiva own valuable personal property such as jewelry, artwork, collectibles, and specialty equipment. You may have a garage full of fishing gear, hunting gear or beaded costumes for your dogs.
Standard homeowners insurance policies often limit coverage for these items and further, some homeowner’s insurance policies even exclude personal property on the policy or exclude causes of loss.
What Is a Personal Article Floater?
A personal article floater insurance policy provides additional protection for valuable items beyond the limits of a homeowners policy. The limits of your personal article floater can be based on appraisal and policies are fully customizable to fit your needs.
These policies commonly cover:
• Jewelry
• Watches
• Artwork
• Collectibles
• Musical instruments
• Gun Collections
• Fishing poles, reels and gear
• Hobby technology like sewing machines, 3D Printers, Engravers and more
Why Homeowners Choose Personal Article Floaters
These policies often provide:
• Broader coverage
• Lower deductibles
• Protection for accidental loss
• Customizable terms for handling claims
Speak with Allie Horblitt
Florida insurance broker Allie Horblitt helps homeowners insure their valuables with specialized coverage. I’m reachable on my cell @ 786-440-8242 and offering coverage for your valuables across Florida by phone and email through major insurers including BriteCo Insurance.
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 | Jun 25, 2026 | Florida Insurance, Personal Insurance
Protecting Luxury Homes on Captiva Island with the Right Florida Insurance Coverage offered through Barefoot Insurance Brokers
Captiva Island is one of Florida’s most beautiful coastal communities, known for its pristine beaches, boating lifestyle, and luxury waterfront homes. However, owning property on a barrier island also means facing unique insurance challenges.
At Barefoot Insurance Brokers, Florida insurance broker Allie Horblitt helps homeowners secure reliable coverage for high-value properties throughout Captiva Island.
Insurance Coverage Captiva Homeowners Should Consider
Because of coastal exposure, many homes on Captiva Island benefit from a layered insurance strategy that may include:
• Florida Homeowners Insurance
• Flood Insurance (NFIP or Private Flood Programs)
• Personal Article Floater Insurance for jewelry, art, and collectibles
• Personal Umbrella Liability Coverage
Barrier-island homes often require specialty underwriting due to wind exposure and high rebuild costs.
Auto Insurance for Captiva Island Residents
Even on a small island, reliable Florida auto insurance remains important. Barefoot Insurance Brokers helps drivers compare policies from multiple carriers and can assist with:
• Standard Florida auto insurance policies
• SR-22 insurance filings
• FR-44 insurance policies
Barefoot Insurance Brokers work with an array of A-rated auto insurers to compare products, coverages and rates with our clients including Progressive Insurance, GEICO, Kemper, Traveler’s Insurance, Mercury Insurance, National General, an Allstate Company, The General, Bristol West offered through Farmers Group of Companies and more!
Work with a Florida Insurance Broker Who Understands Coastal Risks
Florida insurance broker Allie Horblitt works with homeowners across Southwest Florida to compare policies from multiple carriers and find coverage that fits their property, lifestyle, and budget.
Get a Quote
Homeowners and seasonal residents in Captiva Island can contact Allie for a free insurance review.
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 | Jun 12, 2026 | Florida Insurance, Personal Insurance
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.
by barefootins | Mar 9, 2026 | Florida Insurance, Personal Insurance
Assisting insurance consumers in Okeechobee City and Surrounding Communities by phone at 954-368-0060
Barefoot Insurance Brokers proudly serves residents across Okeechobee County, including communities such as:
Ancient Oaks
Basinger
Fort Drum
Viking Estates
Taylor Creek Isle
Treasure Island
Oak Park
Whispering Pines
Upthegrove Beach
Residents in these communities rely on dependable protection for their homes, vehicles, and valuable personal property.
Insurance Options for Okeechobee Residents
Our agency helps families obtain:
• Florida Auto Insurance
• SR-22 insurance policies
• FR-44 insurance coverage
• Homeowners Insurance
• Flood Insurance
• Personal Article Floater Insurance
Work with Florida Insurance Broker Allie Horblitt
Allie Horblitt of Barefoot Insurance Brokers helps residents across Okeechobee County compare insurance coverage from multiple carriers.
Contact Allie today for a free insurance review.
📞 954-368-0060
📧 allie@barefootins.com
Allie Horblitt
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.
by barefootins | Jan 20, 2026 | Commercial Insurance
Coverage That Lets the Music Play On
From sun-soaked street fairs and waterfront festivals to multi-day music events and pop-up cultural celebrations, today’s events are bigger, bolder, and more complex than ever. With food vendors, live entertainment, alcohol service, rented equipment, volunteers, and thousands of attendees, one unexpected incident can derail months of planning.
That’s where special event insurance steps in, and where having a detail-oriented broker matters.
If you’re organizing a festival, street fair, concert, or special event in Florida, Georgia, Alabama, or Texas, the right insurance coverage doesn’t just check a box. It protects your budget, your brand, your vendors, and your future events.
Why Festival & Event Insurance Is Non-Negotiable
Permits, venues, and municipalities increasingly require proof of insurance before approving events. But compliance is only part of the story.
Event insurance helps protect you from:
- Third-party bodily injury claims
- Property damage to rented or public spaces
- Alcohol-related incidents
- Weather-related losses
- Vendor and subcontractor liability gaps
- Equipment damage or theft
- Event cancellations or postponements
In other words, it’s the safety net that lets your event thrive instead of survive.
Common Coverages for Festivals & Special Events
Every event is unique, but most festival organizers benefit from a customized combination of:
General Liability Insurance
Covers bodily injury and property damage claims from attendees, vendors, or the public.
Liquor Liability Insurance
Essential if alcohol is served, sold, or even provided by third-party vendors.
Event Cancellation or Postponement Coverage
Protects financial losses due to weather, key performer no-shows, or unforeseen shutdowns.
Equipment & Property Coverage
Covers sound systems, lighting, stages, tents, generators, and rented gear.
Workers’ Compensation & Volunteer Accident Coverage
Protects staff, contractors, and volunteers working the event.
Additional Insureds & Certificates of Insurance
Critical for venues, cities, landlords, sponsors, and partners who require proof of coverage.
Designed for Modern Event Organizers
Millennial and Gen Z organizers don’t want cookie-cutter insurance or confusing jargon. You want:
- Fast certificates
- Clear explanations
- Coverage that actually matches your event
- A broker who thinks three steps ahead
That’s exactly how I approach event insurance. I work with festival and event organizers to identify risk before it becomes a problem, ensuring policies align with venue contracts, permit requirements, and vendor agreements.
Serving Festivals Across the Southeast & Beyond
I work with event organizers across:
- Colorado
- Florida
- Georgia
- Alabama
- Texas
From beachfront festivals and downtown street fairs to multi-stage music events and cultural celebrations, I help organizers secure coverage that keeps events moving forward, even when surprises pop up.
Planning an Upcoming Event? Let’s Get It Covered
Insurance shouldn’t be the stressful part of event planning. With the right guidance, it becomes one of the easiest boxes to check.
If you’re organizing a festival, concert, street fair, or special event and want a broker who understands both the logistics and the liability, I’m here to help.
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.
📧 allie@barefootins.com
📱 Call/Text: 786-440-8242
