Home Insurance

As an independent insurance agency, we provide quotes from a large variety of leading insurance companies. Our priority is to protect you from the financial burden of damage to your home. Fully licensed in 25 states.

• Dwelling: Estimated cost of labor and materials to rebuild your home, not including land value
• Personal Property: Your personal items within the home, not including special collectibles or jewelry
• Personal Liability: Protection with regard to legal responsibility towards a third party.

Flood Insurance

Flood insurance is not included in a basic homeowner’s policy, however, according to the National Flood Insurance Program, your home has a 26% percent chance of falling prey to flood damage during the course of a 30-year mortgage. Residents of Naples and Fort Myers understand that flooding is a constant threat. Even homes that are not in designated flood zones or aren’t in close proximity to water are always in the possible path of tropical storms and hurricanes that can have unpredictable consequences. At Harbour Insurance, it is our goal to make sure that Collier County residents are fully protected from any kind of financial loss.

Boat Insurance

There is no denying that owning and operating a boat, RV or motorcycle is extremely fun! We just want to make sure you’re protected when incidents arise from heavy storms, fire, theft, collision and other hazards you face as a boat owner. Our policies cover a wide variety of expenses for your boat, motor and trailer.Our Yacht Program provides specialized coverage for larger vessels operating with or without a full time captain and crew.

Fine Arts

It is important to preserve and enhance the value of your collections. Whether you collect fine art, wine, antiques, rare books or other memorabilia, there are measures you can take to protect them from costly — and often irreparable — damage. Harbour Insurance can help you create a sophisticated risk-management program.Our valuable articles risk management process is simple. Take an inventory of your collection, value it then insure it. The benefit of this service allows for better collection management, easier claims resolution and it sometimes facilitates the estate planning process.

Business Insurance

Commercial insurance covers a broad spectrum of potential liabilities. The scope and complexity of the coverage you need to fully protect your business, your employees, your assets, and yourself can be overwhelming. The fully licensed and knowledgeable staff at Harbour Insurance is here to help you gain the peace of mind that comes with having the proper coverage to fully protect your business from potential loss. Your business property and even your personal assets could be at risk with inadequate commercial insurance.

What Does Your Business Need?
It is our goal to be the only insurance agency you need for all of your business coverage. We can help you find policies for:

• Commercial property
• Condo associations
• Commercial vehicle
• General liability
• Umbrella / excess
• Professional liability
• Directors & officers
• Fiduciary / crime
• Workers’ compensation
• Builder’s risk