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.
Captiva Island living comes with sunshine, coastal commutes, and a lifestyle built on peace of mind. If you’re a responsible, high-credit, low-risk driver, your auto insurance should protect your assets with the same sense of care and intention.
At Barefoot Insurance Brokers, we help preferred drivers across Captiva Island, Sanibel, Fort Myers, and nearby Southwest Florida areas within about 25 miles secure well-rounded auto coverage with local guidance.
Coverage Options Designed for Preferred Florida Drivers
Your policy can include:
• Liability Coverage Protects against claims for injuries or property damage to others.
• Uninsured / Underinsured Motorist Coverage Adds important protection when other drivers carry minimal coverage.
• Physical Damage Coverage (Comp & Collision) Supports repair or replacement of your vehicle after covered losses.
• Florida PIP (Personal Injury Protection) Covers certain injury-related expenses after an accident.
Many preferred drivers on Captiva choose to add a Personal Umbrella Policy. It extends liability protection beyond your auto limits and helps shield your home, savings, and investments in the event of a major claim.
Strong Carriers. Smarter Options. Local Support.
We work with respected carrier partners like:
Travelers • Mercury • GEICO • Progressive • a Farmers product • an Allstate product • and more
We shop coverage levels and pricing with your best interest (and risk profile) in mind.
Talk With A Florida-Based Insurance Broker Who Listens
Ready to explore better coverage with a local, English-speaking agent?
Barefoot Insurance Brokers — proudly serving Captiva Island and surrounding Southwest Florida communities.
About the Author
Laurel Schwartz is a Licensed Personal Lines Independent Insurance Agent with Barefoot Insurance Brokers, known for her expertise in flood insurance, homeowners insurance, personal umbrella coverage, and auto insurance. Laurel has a strong talent for problem-solving and specializes in helping clients navigate harder-to-place auto risks, including FR-44, SR-22, and other non-standard circumstances. She’s committed to finding solutions where others can’t. You can reach Laurel directly at laurel@barefootins.com or call/text 561-290-1207 for personalized support and expert advice.
Own a higher-value home in Port St. John, FL? Security First Premier (HO5) offers broader protection design for Florida homeowners. Learn the highlights and contact Kassy Mendez at 754-233-0637 on her cell or in the office @ 321-218-3880.
Security First Premier (HO5): Elevated coverage for Florida’s higher-value homes
If your home has higher-end finishes, upgraded systems, or a larger replacement cost, you may want a policy that matches the reality of what it would take to rebuild and replace what’s inside.
Security First’s Premier (HO5) is positioned as their top-tier homeowners policy for Florida homes in a higher value band (Security First describes it as generally for homes valued roughly $500,000 to $5 million, and not available everywhere).
What is an HO5 policy?
In general terms, an HO5 is considered a more comprehensive homeowners policy type because it typically provides open-perils coverage for both the dwelling and personal property (subject to exclusions/conditions). That means it’s designed to cover more scenarios unless specifically excluded. (As always: the exact coverage depends on the policy language, underwriting, and your home.)
Why Security First Premier HO5 stands out
1) Built for higher-value homes
Security First specifically markets Premier (HO5) to higher-value Florida homes and frames it as “elevated” protection.
2) Coverage enhancements included (as described by Security First)
Security First states Premier (HO5) includes coverage enhancements such as higher special limits for certain personal property categories and personal injury coverage.
3) Discounts and pricing initiatives for eligible homes
Security First announced that some newer homes built in 2024–2025 may qualify for discounts up to 20% on new Premier HO5 policies (effective Oct 17, 2025, per their announcement).
4) Repair network option with vetted Florida contractors
Premier policyholders can also benefit from Security First’s approach to repairs and claims support, including their First Choice Repair Network® (150+ vetted Florida contractors, per Security First).
Who in Port St. John should consider an HO5?
You may want to explore HO5 if you:
Have higher-value contents (furniture, electronics, collections, specialty items)
Prefer broader personal property coverage structure (open-perils, subject to exclusions)
Want a premium policy option intended for higher-value Florida homes
Quick FAQ: Security First Premier HO5
Is HO5 “better” than HO3? It can be broader in how it treats personal property (often open-perils vs named-perils), but “better” depends on your home, budget, deductibles, and risk tolerance.
Do I still need flood insurance? Often yes, because flood is typically separate from homeowners insurance. We’ll help you coordinate a clean plan.
Is Premier HO5 available for every Florida home? Security First notes it’s not available everywhere and is intended for certain home values.
Get a Premier (HO5) quote with Barefoot Insurance Brokers
If you’re curious whether Security First Premier (HO5) fits your home in Port St. John, FL (or anywhere in Brevard County), we’ll shop it correctly and explain the fine print in plain English.
Florida’s outdoors were made to be explored. From sandy trails and wooded paths to wide-open land perfect for weekend rides, ATVs and UTVs bring excitement to every corner of the Sunshine State. But the best adventures start with the right protection.
At Barefoot Insurance Brokers, we help Florida riders stay covered with affordable and flexible ATV & UTV insurance options from top carriers like Progressive, Dairyland, and Foremost.
🧭 Coverage That Keeps Up With Your Lifestyle
Our ATV & UTV insurance programs are designed for real riders and real adventures, featuring:
🚸 Youthful Drivers Included You can add younger riders to your policy with no minimum age requirement, making it easy for families to ride together safely.
🛠️ Accessories Coverage Up to $30,000 Protect your helmets, riding gear, aftermarket parts, storage racks, sound systems, and safety equipment with robust accessories coverage.
🎒 Carried Contents Protection Enjoy replacement cost coverage for your personal gear and equipment while riding.
🌍 Off-Premise Coverage Included Whether you ride on your own property, trails, or away from home, your coverage follows you automatically. No extra endorsements needed.
💸 Big Protection Without a Big Price Tag
ATV and UTV insurance is often more affordable than riders expect and can provide essential financial protection in case of accidents, damage, or theft. Our team works with multiple carriers to find coverage that fits your budget and riding style.
📲 Start Your Next Ride Protected
For personalized ATV & UTV insurance quotes and expert Florida guidance, reach out to:
Dog Liability Insurance in Broward County | Barefoot Insurance Brokers
Owning a dog in Broward County is a vibe. Morning walks, neighborhood hangs, weekend adventures. But starting July 1, 2025, Florida’s Pam Rock Act adds a serious responsibility to dog ownership, and skipping it could cost you way more than a vet bill.
If a dog causes serious injury and gets classified as “dangerous,” owners may now be legally required to carry $100,000 in dog liability insurance. Translation: adulting just got real.
Why This Matters in Broward
Between delivery drivers, packed sidewalks, and backyard get-togethers, accidents can happen fast. And here’s the kicker: Most renters and homeowners insurance policies exclude dog bites or certain breeds entirely.
Dog liability insurance helps cover: • Medical bills • Legal fees • Lawsuits and settlements • Coverage gaps your main policy won’t touch
Perfect for: • First-time renters in Fort Lauderdale • Young homeowners in Pembroke Pines • Acreage living in Southwest or Sunshine Ranches
Dog insurance isn’t about being a “bad owner.” It’s about protecting your future.
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
