Homeowners Insurance in Fort Myers – Myths and Facts

myths homeowners insurance florida

Since there is plenty of misinformation and myths about home insurance in Fort Myers, we’re here to set the record straight. At Lott & Gaylor Insurance, we want to help you make informed decisions about your coverage, and you can’t do that without accurate facts.

So, here are some popular myths about homeowners insurance in Fort Myers, debunked with the truth.

Myth 1: Your neighbor has to pay for their tree that fell in your yard.

Unless you have explicit proof that your neighbor was warned that their tree could cause harm to your property, if it falls into your yard, they don’t have to pay for it. Unfortunately, in these types of cases, it’s your insurance that pays for the damage.

But what you can do in Florida is trim any branches of your neighbor’s tree that are within the boundaries of your property, as long as you don’t damage the tree, and doing so doesn’t require access to your neighbor’s yard.

Myth 2: Every natural disaster is covered by homeowners insurance.

Sadly, you aren’t automatically covered against any and all ‘Acts of God,’ as natural disasters are called in the insurance world. In Fort Myers, there are different types of homeowners insurance policies that protect you against varying perils.

Two types of natural disasters that are pretty much never covered under a homeowners insurance policy are floods and earthquakes. You need separate coverage for these events.

Myth 3: Mold and pests are covered.

Most insurance policies are designed to cover things you couldn’t see coming, and sadly mold and pests don’t fall under that category – since both usually come with warning signs before things get irreparably bad. Sometimes mold damage is covered by homeowners insurance, but with limits much lower than your full coverage.

Make sure to keep an eye out for signs of mold and pests so you can nip them in the bud when the issue is manageable.

Myth 4: I am not responsible for trespassers’ injuries.

If you have recreational items like a trampoline or a pool, and you haven’t taken precautionary measures to prevent guests and trespassers alike from being injured (like putting up a fence, for example), you are at risk for being on the hook.

Protecting Your Home

Your home is most likely your most important investment – so you should take the right steps to protect it. For information on the exhaustive list of myths surrounding home insurance in Fort Myers, contact Lott & Gaylor insurance today.


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