Personal Insurance in Cape Coral, FL
Local coverage for life near the water.
From canal-front homes to busy family neighborhoods, we help Cape Coral residents protect what matters.
Overview
Cape Coral is known for its waterfront properties—and with that comes unique insurance needs. We offer personal insurance that covers your home, flood risk, vehicles, and recreational gear, all tailored to your lifestyle on and off the water.
What This Insurance Covers
Flood Insurance
A must-have for homes near canals or the river.
Home Insurance
Standard protection with add-ons for local risks.
Boat Insurance
Insure your boat and personal watercraft.
Motorcycle Insurance
Coverage for two-wheeled adventures around town.
Frequently Asked Questions
Does flood insurance cover storm surge?
Yes, if you have a federal flood policy. We’ll make sure you’re fully protected.
Can I add hurricane coverage to my policy?
Windstorm and hurricane coverage are included or available as endorsements—let us explain your options.
Are watercraft covered under home insurance?
Only limited coverage is available. A dedicated boat policy is best for full protection.
Is motorcycle insurance required in Florida?
It’s not required by law, but it’s highly recommended to protect you and your ride.