---
title: "Insurance FAQ | Bonita Springs, FL | Insurance Specialists of SW Florida"
url: https://www.fl-ins.com/faq
description: "Answers to common questions about home, auto, flood, and commercial insurance in Bonita Springs and Southwest Florida."
lang: en
---

Andrew: https://www.fl-ins.com/team/andrew-koehneke

Help Center

# Frequently Asked Questions

Everything you need to know about working with Insurance Specialists.

## General

### What is your service area?

### What types of insurance do you offer?

### Does it cost anything to get a quote?

### How do I get started?

### Can I cancel a policy midterm?

### What's the best place to get started if I need help with my insurance?

### Will getting a quote hurt my credit?

## Coverage

### Do I need special coverage for jewelry, collectibles, or expensive items?

### What's not covered under a standard homeowners policy?

### Do I need an umbrella policy?

### Do I really need flood insurance?

### Do you offer coverage for short-term rentals like Airbnb or VRBO?

### What do I do if my home is in a trust?

## Structured data

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  "@type": "FAQPage",
  "mainEntity": [
    {
      "@type": "Question",
      "name": "What is your service area?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "We have offices in Florida and Ohio, and we serve clients throughout both states. We're also licensed in Michigan, Tennessee, Pennsylvania, South Carolina, and Indiana, so if you own property or move across state lines, we can usually keep your coverage with us."
      }
    },
    {
      "@type": "Question",
      "name": "What types of insurance do you offer?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "We're an independent agency, so we place home, auto, flood, condo, renters, wind-only, manufactured home, umbrella, golf cart, boat, jet ski, motorcycle, RV, pet, travel, builders risk, and commercial coverage through 20+ A-rated carriers."
      }
    },
    {
      "@type": "Question",
      "name": "Does it cost anything to get a quote?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "No. Quotes are always free, and there's no obligation. We shop your coverage across multiple carriers and walk you through the options side by side."
      }
    },
    {
      "@type": "Question",
      "name": "How do I get started?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "Fill out the Get My Quote form or call our office. We'll gather a few details about the property or vehicle, compare carrier options, and send back recommendations - usually within one business day."
      }
    },
    {
      "@type": "Question",
      "name": "Can I cancel a policy midterm?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "In most cases, yes. A few policies carry a penalty for cancelling before renewal, but most can be cancelled early with a pro-rated refund and no penalty. Our agency frequently assists clients with this process."
      }
    },
    {
      "@type": "Question",
      "name": "What's the best place to get started if I need help with my insurance?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "Give us a call or stop by the office. Having your current policy in hand is helpful. We'll need details on your cars, home, and other property, but the most important part is talking through your situation so we understand the risks and coverage you actually need."
      }
    },
    {
      "@type": "Question",
      "name": "Will getting a quote hurt my credit?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "No. Insurance companies often use an \"insurance score\" that takes your credit into account when setting your rate, but this is a soft inquiry, not a hard hit, and it does not hurt your credit score."
      }
    },
    {
      "@type": "Question",
      "name": "Do I need special coverage for jewelry, collectibles, or expensive items?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "If you have high-value items like jewelry, art, or collectibles, you may need to \"schedule\" them for full protection. It's usually inexpensive and gives you coverage beyond the standard limits."
      }
    },
    {
      "@type": "Question",
      "name": "What's not covered under a standard homeowners policy?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "Flooding, earthquakes, wear-and-tear, mold, and maintenance issues are typically not covered. We'll help you understand the exclusions and show you optional coverages if you want extra protection."
      }
    },
    {
      "@type": "Question",
      "name": "Do I need an umbrella policy?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "If you want extra protection beyond your home and auto limits, an umbrella policy is a great option. It's usually inexpensive and adds an extra layer of liability coverage. We can walk through your current limits and help you decide if it makes sense."
      }
    },
    {
      "@type": "Question",
      "name": "Do I really need flood insurance?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "If you want coverage for flood damage, yes - homeowners insurance doesn't cover flooding. Even outside high-risk zones, flood insurance can be a smart move. We can help you compare NFIP and private flood options."
      }
    },
    {
      "@type": "Question",
      "name": "Do you offer coverage for short-term rentals like Airbnb or VRBO?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "Yes, in many cases. Short-term rentals need special coverage, and not all standard home policies include it. We'll help you figure out whether your current policy works or if you need a specific rental or landlord policy."
      }
    },
    {
      "@type": "Question",
      "name": "What do I do if my home is in a trust?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "Just let us know while we're putting your insurance proposal together. When the carrier allows it, we recommend listing the trust on the policy so ownership and coverage line up correctly."
      }
    }
  ]
}
```