Florida homeowners
Auto renewal went up? Check the coverage, too.
A Florida home and auto review with Culbertson Agency. Look for coverage gaps before the next renewal.
A renewal notice is not a coverage review.
Find out whether the policy still fits, whether there may be opportunities to avoid overpaying, and where protection may fall short.
Simply renewing
- The new term starts with whatever changed.
- Deductibles carry over without a second look.
- Roof details and home changes may be out of date.
- Home and auto are handled separately.
Reviewing with Culbertson Agency
- Walk through current coverage and limits.
- Talk through hurricane, wind, and standard deductibles.
- Confirm roof age and property details.
- See how home and auto fit together.
How it works
- 1
Start a conversation
About your home, your car insurance, and your renewal.
- 2
Ask for a review
Share how to reach you and the best time to call.
- 3
Talk through options
Culbertson Agency walks through your coverage with you by phone.
Who is behind this
Culbertson Agency is a local insurance agency in Fort Myers, serving Florida since 2008.
13099 S Cleveland Ave Ste 310, Fort Myers FL 33907
What we will not do
- No pressure to switch anything.
- No promise of savings.
- No changes to your coverage without your authorization.
Questions and terms to know
Is this only for Florida?
Yes. Culbertson Agency reviews coverage for Florida homeowners only.
Does this review bind coverage?
No. Requesting a review does not bind, change, or quote coverage. Any change happens only with your authorization, and eligibility and underwriting apply.
Who is this review for?
Florida homeowners who currently insure a car. Renters and drivers without current coverage can still call the office to talk through options.
What is a hurricane or wind deductible?
Many Florida home policies carry a separate deductible for hurricane or wind damage, often set differently from the standard deductible. It is worth knowing what yours is before storm season.
Why does roof age matter?
Roof age and condition can affect home insurance eligibility and terms in Florida. Knowing the year your roof was installed or replaced helps the review.
What is a declarations page?
It is the summary page of your policy that lists coverages, limits, deductibles, and the policy period. It is the most useful document to have ready.
Why does the renewal date matter?
Reviewing before renewal gives time to understand changes and ask questions instead of reacting after the new term starts.
Is flood covered by my home policy?
Flood coverage is often separate from a standard home policy. Ask during your review with a licensed agency. This page does not guarantee any coverage.