Insurance for Florida Seniors

Most insurance agencies listed below insure throughout Florida.  Local agents can have risks to consider on a local level.

Information needed for an Insurance Quote

Below is the information we will need to provide a smooth quoting process. 

General Information   

• Client contact info: Name, phone and email

• Dates of birth for applicants

• Current residence address

• Property address

• Notate is the property is lender-financed

• List how the deed will read

• Notate the closing date or approximate closing date

• Number of months per year to be occupied by the owner

• If rented to others, the minimum rental term

• Seller’s NFIP flood declarations page (may be advantageous to a Buyer)

• Wind mitigation and four-point inspections when requested

• Prospect property claim history last 5 years

• Notate that is home will have monitored burglar alarms

• Note pets and breeds

• Note is jewelry or collectibles need scheduling

Investment Loans / DSCR

• Coverage for Loss of Rents needs to equal 6 months of PITI/HOA

Insurer Requirements

•  Financial Strength Rating of at least B through A.M. Best or at least an A through Demotech, or a BBB through Standard and Poor’s or Kroll.

Send to Loan Officer / Processor

• Once you accept the quote send the Dec Page of the policy showing coverages.  If there is a separate policy for flood and flood is required send both.

• Once the appraisal is receivedd the Clear to Close (CTC) provide a receipt for the insurance coverage.

Lee County Insurance Agencies

Cory Allen / Sunrise Insurance Group

• Office: 239.317.7160

• corey@sunriseinsurancegroup.com

• www.sunriseinsurancegroup.com

Chapman Insurance Group

• Office: (239) 205-2012

• Request a Quote (click here)

• https://www.cigflorida.com/ 

• Dylan Rector-Davis / 941-979-8426 / dylan@cigflorida.com

Rider Insurance Group

Phone: (239) 992-9711

Fax: (239) 947-8076

9180 Estero Park Commons Blvd #9

Estero, FL  33928

www.riderinsurancegroup.com

John Tankersley - Statewide

• 407-277-0854

• JTankersley@pineinsurance.com

• www.pinestinsurance.com

Heidrick and Company - Peter Craig

• (239) 686-0401 

• peter@heidrickandcompany.com

• https://heidrickandcompany.com

Goosehead Insurance - Tyler Atwell

• 941-451-2949

• tyler.atwell@goosehead.com

• www.goosehead.com

Florida Keys Insurance Agencies

Regan Roth Insurance Agency

Grimi Betancourt

305 743-3414

gbetancourt@reganinsuranceinc.com

Note: She responds quickly and offers coverages in the keys for DSCR

IOA USA Insurance

SimplyIOA CA Agency License#: 6004955

Vianey Diaz

Direct:   305.537.2783   

Email:  vianey.diaz@ioausa.com

Web:     simplyioa.com

Address: 98840 Overseas Hwy, Key Largo, FL, 33037

***

Delana Rollins

Personal Lines Account Executive | SimplyIOA

98840 Overseas Hwy, Key Largo, FL 33037

Direct: 305-537-2820 

ruth.rollins@simplyioa.com

Specialty Insurance Carriers: Higher Limit Flood Policies

•  NeptuneFlood.com includes residential and commercial coverage, including condos, co-ops, commercial buildings, and excess coverage

Older Home Carriers

• Security First Insurance:  Coverage options for homes over 30 years old.