--- title: "Insurance Blog | Tips & News from Insurance Specialists of SW Florida" description: "Insurance tips, hurricane preparedness guides, and industry news from Insurance Specialists of SW Florida — your trusted independent agency." lang: en json-ld: --- [![Insurance Specialists of SW Florida logo](/assets/insurance-specialists-sw-florida-logo-D4Ga2KGg.webp)](/) [Home](/) Insurance [Home Insurance](/insurance/home)[Auto Insurance](/insurance/auto)[Flood Insurance](/insurance/flood)[Condo Insurance](/insurance/condo)[Umbrella Insurance](/insurance/umbrella)[Commercial Insurance](/insurance/commercial)[Golf Cart Insurance](/insurance/golf-cart) [Other](/insurance/other) [Motorcycle](/insurance/motorcycle)[RV](/insurance/rv)[Pet](/insurance/pet)[Travel](/insurance/travel)[Renters](/insurance/renters)[Wind Only](/insurance/wind-only)[Jet Ski](/insurance/jet-ski)[Boat](/insurance/boat)[Builders Risk](/insurance/builders-risk)[Manufactured](/insurance/manufactured) Why Us? [Meet the Team](/about/team)[Our Carriers](/about/carriers)[Blog](/blog) Locations [Fort Myers / Estero](/contact)[Bonita Springs / Naples](/contact/bonita-springs)[Fremont, Ohio](/contact/ohio) [FAQ](/faq) [(239) 949-7717](tel:+12399497717)[Get My Quote](/get-a-quote) Our Blog # Blog Insights, tutorials, and updates from the Insurance Specialists team ![Florida Insurance Guaranty Association (FIGA) logo - safety net for Florida property and casualty insurance consumers](/__l5e/assets-v1/9b887a48-6637-4907-a88a-8d215da4c927/figa-logo.png) Home Insurance Florida Consumer Guide ## What Is FIGA? How Florida's Insurance Safety Net Protects Consumers 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 Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jul 13, 2026 [Read more →](/blog/what-is-figa-florida-insurance-guaranty-association) ![Single-family home in The Ranch at Orange Blossom community in Northeast Naples, Florida - homeowners insurance guidance from Insurance Specialists of SW Florida](/__l5e/assets-v1/affff813-5f2f-4221-b053-7334eac4bf36/ranch-at-orange-blossom-sign.jpg) Home Insurance Naples Florida ## Homeowners Insurance in The Ranch at Orange Blossom, Naples, FL: What Buyers Should Know 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 Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jul 13, 2026 [Read more →](/blog/home-insurance-ranch-at-orange-blossom-naples) ![Emerald Lakes community entrance sign in North Naples, Florida - homeowners insurance guidance from Insurance Specialists of SW Florida](/__l5e/assets-v1/edf0fa08-f9dc-4ad6-beb3-33748f67effe/emerald-lakes-naples.png) Home Insurance Naples Florida ## 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 Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jul 1, 2026 [Read more →](/blog/home-insurance-emerald-lakes-naples-florida) ![Tesla Roadster and Starman floating in orbit above Earth - space debris and homeowners insurance coverage explained by Insurance Specialists of SW Florida](/__l5e/assets-v1/1a213566-2fa4-4334-929e-65d0c66fb221/space-junk-tesla-orbit.png) Home Insurance Auto Insurance Florida ## 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 Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jul 1, 2026 [Read more →](/blog/is-damage-from-space-junk-covered-by-homeowners-insurance) ![Progressive auto insurance telematics program displayed on a smartphone - usage-based insurance explained by Insurance Specialists of SW Florida](/__l5e/assets-v1/6946210f-683e-4719-b92a-0f6db7feb84c/auto-insurance-telematics-progressive.png) Auto Insurance Telematics Safe 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 Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jul 1, 2026 [Read more →](/blog/what-are-auto-insurance-telematics-programs) ![Citizens Property Insurance Corporation logo - Florida's insurer of last resort explained by Insurance Specialists of SW Florida](/__l5e/assets-v1/5155972f-6391-4b73-b87c-c618c2cee218/citizens-property-insurance-corporation.png) Citizens Insurance Home Insurance Florida ## 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 Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jul 1, 2026 [Read more →](/blog/who-is-citizens-insurance-in-florida) ![Florida home insurance exchange carrier logos including Ovation, Manatee, Orange, Tower Hill, and Trident Reciprocal - Insurance Specialists of SW Florida](/__l5e/assets-v1/6c907b59-7a18-41f3-a520-203d379926c8/home-insurance-exchange-beach.png) Home Insurance Florida Insurance 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 Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jun 30, 2026 [Read more →](/blog/what-is-a-home-insurance-exchange) ![Diamond engagement rings, loose diamonds, and fine watches on suede - jewelry insurance Florida coverage from Insurance Specialists of SW Florida](/__l5e/assets-v1/14eb7b2c-1757-48bb-a407-b441f53c71c8/jewelry-watch-insurance-florida.webp) Jewelry Insurance Florida Home 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 Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jun 22, 2026 [Read more →](/blog/how-do-i-insure-my-jewelry-and-watches-in-florida) ![Florida family riding a lifted golf cart through their neighborhood - golf cart insurance Florida coverage from Insurance Specialists](/__l5e/assets-v1/fb3e6330-49c9-4550-87ba-8c6f2056d947/golf-cart-insurance-florida-family.jpg) Golf Cart Insurance Florida Auto 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 Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jun 22, 2026 [Read more →](/blog/do-i-need-insurance-for-my-golf-cart) ![CPCU Society designation logo - Chartered Property Casualty Underwriter credential held by Bonita Springs Florida insurance specialists](/assets/cpcu-society-insurance-designation-bonita-springs-DV7usjxo.webp) Insurance Designations ## 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 Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Apr 28, 2026 [Read more →](/blog/what-is-the-cpcu) ![Wind mitigation inspection of a Bonita Springs Florida home for hurricane insurance discounts](/assets/wind-mitigation-inspection-bonita-springs-florida-BJhNtQQS.webp) Wind Mitigation Home 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 Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Mar 27, 2026 [Read more →](/blog/what-is-a-wind-mitigation) ![4 point inspection of an older Florida home for homeowners insurance underwriting in Southwest Florida](/assets/four-point-inspection-florida-home-insurance-DQMmBF-E.webp) Inspections Home 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 Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Feb 27, 2026 [Read more →](/blog/what-is-a-4-point) ![Village Walk community entrance sign in Bonita Springs Florida - home insurance coverage by Insurance Specialists](/assets/village-walk-bonita-springs-home-insurance-Dy5Zy150.webp) Home Insurance Bonita 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 Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jan 27, 2026 [Read more →](/blog/home-insurance-village-walk) ![Valencia Bonita community entrance sign in Bonita Springs Florida - home insurance coverage by Insurance Specialists](/assets/valencia-bonita-bonita-springs-home-insurance-D6stuXIE.webp) Home Insurance Bonita Springs ## Home Insurance Valencia Bonita Need a home insurance agency near Valencia Bonita Springs Florida? ![Andrew Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jan 27, 2026 [Read more →](/blog/home-insurance-valencia-bonita) ![Worthington Country Club entrance sign in Bonita Springs Florida - home insurance coverage by Insurance Specialists](/assets/worthington-bonita-springs-home-insurance-5cKAg7Ic.webp) Home Insurance Bonita Springs ## Home Insurance Worthington Need a home insurance agency near Worthington Bonita Springs Florida? ![Andrew Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jan 27, 2026 [Read more →](/blog/home-insurance-worthington) ![Palmira Golf & Country Club entrance sign in Bonita Springs Florida - home insurance coverage by Insurance Specialists](/assets/palmira-bonita-springs-home-insurance-ClxJeH_g.webp) Home Insurance Bonita Springs ## Home Insurance Palmira Bonita Need a home insurance agency near Palmira Bonita Springs Florida? ![Andrew Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jan 27, 2026 [Read more →](/blog/home-insurance-palmira) ![Hunters Ridge Golf & Country Club entrance sign in Bonita Springs Florida - home insurance coverage by Insurance Specialists](/assets/hunters-ridge-bonita-springs-home-insurance-BXdZw0is.webp) Home Insurance Bonita Springs ## Home Insurance Hunters Ridge Need a home insurance agency near Hunters Ridge Bonita Springs Florida? ![Andrew Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jan 27, 2026 [Read more →](/blog/home-insurance-hunters-ridge) ![Bonita National Golf & Country Club entrance sign in Bonita Springs Florida - home insurance coverage by Insurance Specialists](/assets/bonita-national-bonita-springs-home-insurance-TVi1FEJF.webp) Home Insurance Bonita Springs ## Home Insurance Bonita National Need a home insurance agency near Bonita National Bonita Springs Florida? ![Andrew Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jan 27, 2026 [Read more →](/blog/home-insurance-bonita-national) ![Wedding limo insurance in Southwest Florida - 1960 Rolls Royce chauffeured wedding transportation insured by Insurance Specialists](/__l5e/assets-v1/b187dd4a-eb9b-410a-96fc-b25018317e4f/naples-wedding-car-rolls-royce.jpg) Limo Insurance Wedding Insurance ## Businesses We Insure Naples Wedding Car is a chauffeured wedding transportation business located in SWFL utilizing their 1960 Rolls Royce. ![Andrew Koehneke](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp)Andrew Koehneke Jun 3, 2026 [Read more →](/blog/businesses-we-insure-naples-wedding-car) ## Insurance Basics Quick answers to questions we hear most often. Show More ![Insurance Specialists of SW Florida - independent insurance agency](/assets/insurance-specialists-sw-florida-footer-logo-KAHxkE0K.webp) We work to provide policies that protect our clients' assets and well-being. Licensed in Florida, Ohio, Michigan, Tennessee, Pennsylvania, South Carolina, and Indiana. #### Contact [(239) 949-7717](tel:+12399497717) Bonitasprings@fl-ins.com 12870 Trade Way Four, Suite 108 Bonita Springs, FL 34135 #### Business Hours Mon–Fri: 9am – 5pm Sat–Sun: Closed [](https://www.facebook.com/insurancespecialists/)[](https://www.youtube.com/@GetFloridaInsurance)[](https://www.linkedin.com/company/insurance-specialists-of-sw-florida-llc/posts/?feedView=all)[](https://g.page/r/CWejDDOOSNe1EBM/review) © 2026 Insurance Specialists of SW Florida. All rights reserved. [ Home ](/insurance/home)