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Insights, tutorials, and updates from the Insurance Specialists team

Emerald Lakes community entrance sign in North Naples, Florida - homeowners insurance guidance from Insurance Specialists of SW Florida

Home InsuranceNaplesFlorida

Homeowners Insurance in Emerald Lakes, Naples, FL: What Buyers Should Know

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

Tesla Roadster and Starman floating in orbit above Earth - space debris and homeowners insurance coverage explained by Insurance Specialists of SW Florida

Home InsuranceAuto InsuranceFlorida

Is Damage From Space Junk Covered by Homeowners Insurance?

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

Progressive auto insurance telematics program displayed on a smartphone - usage-based insurance explained by Insurance Specialists of SW Florida

Auto InsuranceTelematicsSafe Driving

What Are Auto Insurance Telematics Programs and Are They Here to Stay?

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 InsuranceHome InsuranceFlorida

Who Is Citizens Insurance in Florida?

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

Florida home insurance exchange carrier logos including Ovation, Manatee, Orange, Tower Hill, and Trident Reciprocal - Insurance Specialists of SW Florida

Home InsuranceFloridaInsurance Exchange

What Is a Home Insurance Exchange?

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

Diamond engagement rings, loose diamonds, and fine watches on suede - jewelry insurance Florida coverage from Insurance Specialists of SW Florida

Jewelry InsuranceFloridaHome Insurance

How Do I Insure My Jewelry and Watches in Florida?

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

Florida family riding a lifted golf cart through their neighborhood - golf cart insurance Florida coverage from Insurance Specialists

Golf Cart InsuranceFloridaAuto Insurance

Do I Need Insurance for My Golf Cart in Florida?

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

InsuranceDesignations

What is the CPCU?

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 inspection of a Bonita Springs Florida home for hurricane insurance discounts

Wind MitigationHome Insurance

What is a Wind Mitigation?

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

4 point inspection of an older Florida home for homeowners insurance underwriting in Southwest Florida

InspectionsHome Insurance

What is a 4 Point?

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

Village Walk community entrance sign in Bonita Springs Florida - home insurance coverage by Insurance Specialists

Home InsuranceBonita Springs

Home Insurance Village Walk

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