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Wise Insurance Agency

7410 Bluffton Rd
Fort Wayne, IN 46809

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Home & Auto Insurance (Naples,FL)

Home (Naples, FL)

What Does Home Insurance Cover in Florida?

Picking the right amount of coverage for your home is one of the toughest decisions you will make when purchasing a homeowner's policy. An agent at Wise Insurance Agency in Naples, FL can make sure you choose the right amount for your home, along with explaining the different coverage options.

  • Coverage A: This is coverage for any damage to the structure. This is where you need to determine how much coverage you need for the structure, and how much you think it will take to cover the replacement cost. This will mean the structure of your home is valued using the current price of materials to repair or rebuild your home. This value won’t be the same as the real estate value of your home.
  • Coverage B: This provides coverage for other structures on the premise. This can be a garage or gazebo.
  • Coverage C: This coverage is for your personal belongings. It includes furniture, clothing, and appliances. Find out if your coverage is at replacement cost or actual cash value, so you know what you will be getting for your items in the event of a disaster.
  • Coverage D: If your home becomes uninhabitable, then you want this coverage in order to pay for your expenses while you live away from home.
  • Coverage E: This coverage protects you if someone files a lawsuit and claims that you damaged their property or caused an injury. Liability coverage can pay for certain defense costs.
  • Coverage F: This coverage provides medical payments to others who are injured at your property as a result of actions by you or a family member living with you.

Why You Need Home Insurance in Florida

Home insurance may not be required in Naples, FL unless you have a mortgage on your home. Your lender can require a certain amount of coverage before you can close on your home. Some risks include rain and storms that can damage your home and roof. Flooding is not covered by a standard home insurance policy.

Contact Wise Insurance Agency to get a quote on home insurance or try our online rating tool.

Auto (Naples, FL)

Don't wait to find auto insurance and a quote! Wise Insurance Agency has knowledgeable agents who are up to date on the latest Florida regulations and laws regarding auto insurance. We are happy to take a look at your current policy and compare it to the many available options. If you are a new driver, we can help you to understand the types of coverage offered, what you are required to carry, and what is optional.


Liability auto insurance is required in the state of Florida. It comes in two forms, PIP and PDL. The minimum amount of personal injury insurance (PIP) is $10,000 and an additional $10,000 of property damage liability (PDL). While this is the minimum that is required, it may not be what you need to carry to protect yourself and your assets. If you have an auto loan or a lease, you may be required to have additional coverage, such as collision and comprehensive.


While property damage liability insurance will cover the other car in the event of an accident, what about your vehicle? If your vehicle is damaged and the other driver is not at fault, then you will have to pay for the damages yourself. If you have a relatively new or expensive vehicle, the cost to replace the car or to repair it can be quite substantial. This coverage usually comes with a deductible. If you can't handle the costs of repair yourself, collision is something that you need to consider carrying.


Comprehensive is also called "other than collision" insurance. If your car is damaged by something beyond your control. It will pay to replace or repair it. Glass coverage is part of this coverage, as is theft insurance.

At Wise Insurance Agency, we look forward to helping you to find the right auto insurance for your needs and your budget. If you live in Naples, FL, or the surrounding area, why not stop by or give our office a call. We offer a full range of insurance products for your every need.