Our Blog
Insights, tutorials, and updates from the Insurance Specialists team
You've counted on us for your home, auto, business, and other insurance needs. Now, for the first time, we're pleased to offer Medicare guidance as well.
Andrew KoehnekeOct 6, 2026
Before you buy a Florida home, understand how the roof, wind mitigation and four-point inspections, hurricane deductibles, and flood insurance affect what the property costs to insure.
Andrew KoehnekeSep 21, 2026
A plain-English breakdown of Florida auto insurance: liability, PIP, uninsured motorist, collision, comprehensive, rental reimbursement, roadside assistance, and what “full coverage” really means.
Andrew KoehnekeSep 8, 2026
Most homeowners policies limit Other Structures (Coverage B) to about 10% of your dwelling limit. Here is why that may not be enough for detached garages, sheds, guest houses, and fencing.
Andrew KoehnekeSep 1, 2026
A plain-English guide to Florida homeowners insurance: what a policy covers, how hurricane deductibles work, why wind mitigation and 4-point inspections matter, flood coverage, and what actually drives your premium.
Andrew KoehnekeAug 28, 2026
Moving into Paradiso Bonita Springs Apartments? Here's what renters insurance (HO-4) covers, what your landlord's policy does not, and how much a policy typically costs in Bonita Springs, FL.
Andrew KoehnekeAug 28, 2026
FIGA is Florida's safety net that pays claims when a property and casualty insurance company becomes insolvent. Here's how it works, what it covers, and the payout limits Bonita Springs and Fort Myers homeowners should know about.
Andrew KoehnekeJul 13, 2026
Buying a home in The Ranch at Orange Blossom in Northeast Naples? Here's what to know about homeowners insurance, inspections, and premium factors in this master-planned community.
Andrew KoehnekeJul 13, 2026
Buying a home in Emerald Lakes in North Naples? Here's what to know about homeowners insurance, inspections, and premium factors in this established community.
Andrew KoehnekeJul 1, 2026
In 2024 a piece of space debris crashed through the roof of a Naples, Florida home. In many cases, homeowners insurance would treat that damage as a covered falling-object loss.
Andrew KoehnekeJul 1, 2026
Telematics programs use smartphone apps or plug-in devices to track your driving habits so insurers can price policies based on actual behavior and reward safe drivers with discounts.
Andrew KoehnekeJul 1, 2026
Citizens Property Insurance Corporation is Florida's insurer of last resort, created in 2002 to help homeowners who could not find affordable coverage in the private market.
Andrew KoehnekeJul 1, 2026
A home insurance exchange provides homeowners insurance much like any other carrier - the primary difference is how the organization is structured and managed behind the scenes.
Andrew KoehnekeJun 30, 2026
Jewelry and watch insurance in Florida usually starts with your home or renters policy, but the automatic limits are low. Here is how scheduling items and standalone jewelry policies work.
Andrew KoehnekeJun 22, 2026
Golf cart insurance in Florida depends on whether your cart is street legal, where you drive it, and how your community handles coverage. Here is how to know what you need.
Andrew KoehnekeJun 22, 2026
When you're shopping for insurance in Southwest Florida, you have no shortage of options. What you do have a shortage of is agents who have put in the work to truly master their craft.
Andrew KoehnekeApr 28, 2026
Wind mitigation is a series of specific construction features and retrofits designed to strengthen homes against powerful wind forces from hurricanes and tropical storms.
Andrew KoehnekeMar 27, 2026
A 4 point inspection is a home inspection that looks at the four major systems and structures of an older house: roof, electrical, plumbing, and HVAC.
Andrew KoehnekeFeb 27, 2026
If you live in VillageWalk of Bonita Springs or you are considering buying a home in this community, making sure your home insurance is dialed in should be near the top of your list.
Andrew KoehnekeJan 27, 2026
Need a home insurance agency near Valencia Bonita Springs Florida?
Andrew KoehnekeJan 27, 2026
Need a home insurance agency near Worthington Bonita Springs Florida?
Andrew KoehnekeJan 27, 2026
Need a home insurance agency near Palmira Bonita Springs Florida?
Andrew KoehnekeJan 27, 2026
Need a home insurance agency near Hunters Ridge Bonita Springs Florida?
Andrew KoehnekeJan 27, 2026
Need a home insurance agency near Bonita National Bonita Springs Florida?
Andrew KoehnekeJan 27, 2026
Naples Wedding Car is a chauffeured wedding transportation business located in SWFL utilizing their 1960 Rolls Royce.
Andrew KoehnekeJun 3, 2026Quick answers to questions we hear most often.
