If you live in Cape Coral, Fort Myers, or North Port, you know how serious hurricane season can be.
At Avalon Insurance Group, Inc., we’re committed to helping you protect everything that matters — your home, your car, and your business — with the right insurance coverage and smart planning.
Before the next big storm rolls in, here’s how to make sure your insurance is hurricane-ready and your property is secure.
1. Review Your Home Insurance Coverage (Cape Coral, Fort Myers, North Port)
Hurricane damage can cost tens or hundreds of thousands of dollars.
The first step is making sure your home insurance policy covers:
- Windstorm damage
- Flooding (through a separate flood insurance policy)
- Roof and structural damage caused by storms
Tip: Most standard home insurance policies don’t cover flood damage!
If you’re in Cape Coral, Fort Myers, or North Port, ask us about adding affordable flood insurance through FEMA’s National Flood Insurance Program.
Contact Avalon Insurance Group at (239) 275-3888 or visit us online for a free policy review.
2. Understand Your Hurricane Deductible
In Florida, many policies have a separate hurricane deductible — usually 2-5% of your home's insured value.
Knowing your deductible amount helps you plan financially in case of storm damage.
3. Update Your Auto Insurance Policy (North Port, Cape Coral, Fort Myers)
Many people don’t realize that basic auto insurance only covers liability.
If your vehicle is damaged by flooding, debris, or high winds, you’ll need comprehensive coverage to get repairs or a replacement.
Whether you're in North Port, Fort Myers, or Cape Coral, add comprehensive coverage now — before hurricane season peaks.
4. Strengthen Your Business Insurance (Fort Myers, Cape Coral, North Port)
If you own a business in Florida, your business insurance should include:
- Property damage protection
- Business interruption coverage
- Equipment and inventory protection
Hurricanes can temporarily shut down your business — or worse, cause a permanent closure without the right protection.
Learn more about business insurance coverage here.
5. Take Updated Photos and Videos
Walk through your:
- Home
- Car
- Business property
Take clear photos and videos now, before any damage occurs.
Store them digitally to make claims easier and faster.
6. Store Important Documents Safely
Keep these critical documents in a waterproof and fireproof container:
- Home insurance policy
- Auto insurance card
- Business insurance documents
- Identification (licenses, passports)
- Banking and mortgage information
Back everything up online too for extra security.
7. Create an Emergency Contact List
Save important numbers now:
- Avalon Insurance Group: (239) 275-3888
- Local emergency management offices
- Shelter locations in Cape Coral, Fort Myers, and North Port
- FEMA Disaster Assistance: https://www.disasterassistance.gov/
8. Finalize Your Hurricane Prep Checklist
Here’s a quick hurricane prep list for homeowners, business owners, and drivers:
- Board up windows or install storm shutters
- Bring outdoor furniture inside
- Top off your gas tank
- Charge phones and backup batteries
- Move vehicles to higher ground
- Backup important business data
- Prepare a “go bag” with essentials
Remember: Once a hurricane is officially named, insurers typically place a binding restriction — you can’t modify or buy new coverage until after the storm passes.
Don't wait. Act now!
Get Hurricane Ready with Avalon Insurance Group
At Avalon Insurance Group, we proudly serve families and businesses in:
- Cape Coral (1112 Cape Coral Pkwy E, Cape Coral, FL 33904)
- Fort Myers (7370 College Pkwy #312, Fort Myers, FL 33907)
- North Port (14503 Tamiami Trl UNIT D, North Port, FL 34287)
Our expert agents can help you customize home insurance, auto insurance, and business insurance policies to fully protect you during hurricane season — and beyond.
Call today: (239) 275-3888
Get your free insurance review here