Home Insurance

Your home is likely your biggest investment—make sure it's properly protected. At Clark & Bell Insurance Agency, we help you safeguard your home and everything inside it with the right coverage at the best possible price.

Home Insurance in Fort Myers, FL 33901

Protect Your Home & Everything In It
Located in the heart of Fort Myers, Clark & Bell Insurance Agency provides reliable home insurance solutions tailored to your unique needs. From the structure of your home to your personal belongings and liability protection—our team delivers comprehensive coverage backed by exceptional local service.

​Why Choose Us?
  • Local Expertise – Based at 1832 Victoria Avenue, we understand Fort Myers’ climate and property values.
  • Customized Coverage – Choose from dwelling, contents, liability, loss of use, and riders for flood, mold, and valuable items.
  • Competitive Rates – We leverage relationships with multiple carriers to find the best price without compromising protection.
  • Fast, Personal Service – Get a free quote in minutes and enjoy ongoing support with claims, renewals, and updates.

Typical Home Insurance Coverages

Section I — Property Coverages
  • Coverage A – Dwelling
    Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter's insurance) typically has no Coverage A, although it has additional coverages for improvements.
  • Coverage B – Other Structures
    Covers other structure around the property that are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.
  • Coverage C – Personal Property
    Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). Typically 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice.
  • Coverage D – Loss of Use/Additional Living Expenses
    Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, however only the rental income for the actual rent of the space not services provided such as utilities.
  • Additional Coverages
    Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending upon the form.
  • Exclusions
    In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO3). The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered. A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the water damage occurs over a period of time, such as through a leaky pipe.
  • Floods
    Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers.
Section II — Liability Coverages
  • Coverage E – Personal Liability
    Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense. About a third of the losses for this coverage are from dog bites.
Frequently Asked Questions (FAQs)
1. What determines my premium?
Factors include home age, size, construction, location, claims history, and security features like fire alarms or sprinklers

2. What's the difference between replacement cost and actual cash value?
Replacement cost pays to rebuild or replace without depreciation; actual cash value subtracts for age and wear

3. Is flood or earthquake coverage included?
No—these perils typically require separate policies or endorsements 

4. Do I need to insure high-value items?
Yes. Jewelry, artwork, and collectibles may exceed standard limits—consider scheduling them individually

5. What is a deductible and how does it affect my premium?
A deductible is your out-of-pocket cost before coverage kicks in. Higher deductibles lower premiums, but increase costs when filing a claim 

6. Can I bundle home and auto insurance?
Absolutely—bundling often leads to multi-policy discounts. Ask us about saving more with combined coverage .
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7. Will my policy cover a vacant home?
Coverage may be limited or excluded after 60 days of vacancy—let us help maintain proper coverage if you're away
Local Tips for Fort Myers Homeowners
  • Installing hurricane shutters or a wind mitigation system may earn you insurance discounts.
  • Fire-rated roof materials and early-response systems can lower your risk profile.
  • Stay up to date on building code reforms—Ordinance & Law coverage ensures your home rebuilds to current standards.
💬 Get a Fast, Free QuoteReady for peace of mind?
  1. Call us at (239) 334‑4141
  2. Visit our office at 1832 Victoria Avenue, Fort Myers, FL 33901
  3. Get a quote online in minutes: Clark & Bell Home Insurance
Protect your most important asset with coverage tailored for Florida living.
— Clark & Bell Insurance Agency
(239) 334-4141
1832 Victoria Avenue
Fort Myers, FL 33901​
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