Condo Insurance Fort Myers - Mr Auto Insurance

Condo Insurance Fort Myers

Mr Auto Insurance

Condo Insurance Fort Myers by Mr Auto Insurance

Condo insurance Fort Myers owners depend on starts at Mr Auto Insurance — your neighborhood agency right on Cleveland Ave. Whether your unit overlooks the Caloosahatchee River, sits inside a gated development in McGregor, or is part of a high-rise in Downtown Fort Myers, we’ve got your walls, belongings, and peace of mind covered. Don’t rely solely on your HOA — it likely doesn’t cover what you think it does.

What Condo Insurance Fort Myers Actually Covers

Many condo owners assume their HOA’s master policy protects them completely. It doesn’t. Most association insurance stops at your drywall. Everything inside — walls, cabinets, furniture, electronics, appliances, and personal items — is on you. Our condo insurance protects:

• Interior walls, flooring, built-ins, and paint
• Personal belongings and valuables
• Guest injury liability
• Water damage from busted pipes
• Theft and vandalism
• Loss of use if your unit becomes unlivable

Live in South Pointe, Brandywine, or High Point Place? We’ll tailor a policy for your exact property type and location.

Real Claims from Fort Myers Condo Owners

We’ve written policies for condo units damaged by plumbing failures on Gladiolus, kitchen fires in Pelican Preserve, and roof leaks during summer storms in Gulf Harbour. One client’s water heater burst while they were on vacation — our condo insurance covered the damage to their furniture, floors, and even covered the neighbor’s ceiling repair.

Condo Insurance Fort Myers Add-On Coverage Options

Your condo is a big investment. Add these options for fuller protection:

• Loss Assessment Coverage – covers your portion of shared HOA damage
• Flood Coverage – highly recommended in Fort Myers
• Personal Umbrella – extra liability protection
• Valuables Riders – for watches, jewelry, art, etc.
• Bundle Savings – combine with car insurance Fort Myers for discounts

Who Needs Condo Insurance in Fort Myers?

Every condo owner not living in a fully covered co-op should carry their own policy. This includes:

• Full-time residents of Fort Myers condos
• Seasonal homeowners or snowbirds
• Investors renting out units
• Retirees in 55+ developments
• High-rise and townhome condo dwellers

If you live in Cypress Lake, The Landings, Sanibel View, or anywhere near US-41, chances are we already insure one of your neighbors.

Fort Myers Condo ZIP Codes We Serve

Mr Auto Insurance writes condo insurance policies across these Fort Myers ZIPs:

33901, 33903, 33905, 33907, 33908, 33912, 33913, 33916, 33919, 33966, 33967, 33973

You can count on coverage tailored to condo layouts, HOA exclusions, and the quirks of Lee County living.

Frequently Asked Questions – Condo Insurance Fort Myers

Is condo insurance required in Fort Myers?

It’s usually not required by law but often required by your mortgage lender or HOA. Even when it’s not, you’d be risking major out-of-pocket losses without it.

Does condo insurance cover hurricanes in Fort Myers?

Yes — if you select windstorm and flood endorsements. Fort Myers is hurricane-prone, and we recommend these critical add-ons for local condo owners.

What’s the difference between condo and homeowners insurance?

Condo insurance covers the inside of your unit and personal property, while homeowners insurance covers the whole structure and the land. HOAs usually handle exteriors.