INSURANCE SERVICES | EAST & GREENWELL

With access to policies from 16 different A-rated companies, we have the resources to scout out a competitive price without sacrificing the quality of your coverage. Call us today to discuss the details of your assets and what it will take to keep them protected. Our friendly representatives will work closely with you to match your needs with a policy that will give you peace of mind.

Annuity Insurance

People are living longer today than ever before. Outliving your money has become a big concern. As the cost of living rises, how can you be sure you will have enough to continue your standard of living?At East & Greenwell, we have a financial team with over 50 years of experience. Call us for a review today so that you can make sure you are comfortable tomorrow.

Auto Insurance

I’m sure we’ve all seen the commercials about how you can save thousands on your Auto Insurance. The truth is you can always pay less by taking less coverage, but you want to make sure you and your families are properly protected. At East & Greenwell, we will always look out for the best interests of our clients by looking for the best value, but without sacrificing coverage. Whether you are in Fort Myers, Naples, Estero, Bonita Springs, or elsewhere, you will always be better off dealing with local professionals when something happens.

We offer the following options for your Florida auto insurance policies:

  • Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile.
  • Medical or Personal Injury Protection – covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.
  • Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.
  • Collision – insures the policyholder’s vehicle during a collision with another vehicle or object.
  • Comprehensive – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
  • Uninsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver or underinsured driver.

RENTAL REIMBURSEMENT COVERAGE

JD Power has determined that this coverage has the greatest impact on the customer’s satisfaction during a claim. This optional coverage covers reimbursements for the costs associated with renting a car when your vehicle is being repaired or serviced due to a covered accident.

TOWING AND LABOR COSTS COVERAGE

This optional coverage reimburses you up to a certain point for your necessary towing and other services (battery jump, keys locked in the car, etc) charges should your car become disabled.

Boat Insurance

We are so lucky to live in Paradise. Whether you are in Sanibel, Cape Coral, Fort Myers, Estero, Bonita Springs, Naples, Marco Island, or anywhere else in Florida, we live in one of the best states in the country for boaters. At East & Greenwell, we know the importance of being protected in case something happens when you are on the water.

  • Do you have Sea Tow?
  • Do you have an umbrella policy?
  • Do you want Agreed value if the boat sinks or are you okay with Book Value?
  • Are there accessories that you need to make sure are covered?

Did you know that you can actually save on your Boat policy if you have your Auto policy with the same company?

These are a few of the questions we will ask so that we can tailor a policy for you that makes sense from a cost perspective and a coverage perspective. At East & Greenwell, we will take all of the guesswork out of the Insurance so that you can focus on enjoying paradise and the beautiful scenery.

Business Insurance

Nobody understands small business like we do at East & Greenwell. We are a small business. We know how much hard work goes into your success and we know how important it is to protect what you have earned.

Do you have enough liability coverage? Can you ever have enough liability coverage?

At East & Greenwell, we have lots of companies we can look to in order to provide the best value on your business liability and we will take the time to evaluate your needs to make sure there are no surprises when it’s time for a claim. We know how valuable your time is and how important having an Agent that is looking out for your best interests on an ongoing basis.

Call East & Greenwell today and ask to speak with our Commercial Specialist.

Commercial Auto Insurance

When was the last time you reviewed your Commercial Auto policy with your Agent? Are the right drivers listed, are you getting all of the discounts you deserve, how are the vehicles being used and are they rated properly, and do you know that you have the protection you need?

At East & Greenwell, we can relate to small business owners as we are a small business as well. You need to evaluate your coverage on a regular basis and you need to control your costs. We have a commercial specialist who is an expert in this arena and can look for any gaps in coverage that could lead to a substantial loss, but also that you are getting the best value. Call us today and ask to speak with our Commercial Specialist.

Condo Insurance

Insuring for a condo in Southwest Florida can be confusing. What am I responsible for and what does the association cover? How much do you suggest covering the inside of the property for?

These are just a few of the questions that we get on a regular basis. At East & Greenwell, we’re experts on the nuances of Condo living and we take the time to ask all of the necessary questions to make sure you are properly protected and well versed on what you should have and why. Having 15 companies to choose from makes sure you are also getting the best value.

Flood Insurance

Flood insurance provides protection for destruction and financial devastation caused by rising water, resulting in thousands of dollars in repair and restoration costs. Your Homeowners policy does not cover rising water. Did you know that you have a 26% chance of flood during a 30 year mortgage and that over 25% of all flood claims happen in areas that are not considered high-risk?

At East & Greenwell, we take protecting our clients very seriously. We never want to be in a situation where we disappoint you. Let us review your flood risk as you can get Flood Insurance for as low as $129 a year depending on the zone you are in.

Golf Cart Insurance

Having a golf cart is a great way to enjoy the beautiful weather and lifestyle we have in Southwest Florida.

At East & Greenwell, we know you want to make sure you and your families are protected, and therefore we have a suggestion.

Do not add your golf cart to your Homeowners Insurance.

You would not want something to happen which would lead to a potential liability claim that could then impact your Homeowners. Call us to review the options we will have for a separate policy that will provide additional coverage and isolate any liability to the Golf Cart policy itself.

There are several communities like Pelican Preserve in Fort Myers that require Homeowners to carry golf cart insurance. Most golf cart policies are under $70 per year. Check with your community today. We can help.

Homeowner’s Insurance

The Homeowners insurance market in Florida is in a constant state of change. Therefore, it makes sense to have an agency to relay on. An agency that looks out for your best interest on an ongoing basis. As a client of East & Greenwell, we’ll maintain an open line of communication. If you’re interestred in a policy review we look forward to the opprotunity to earn your business and make certain you are getting the best value for your hard earned dollars.

Here are a few suggestions:

DEDUCTIBLE

Deductibles are the amount of money the homeowner pays toward a loss before the insurance company starts to pay. If you are not likely to file a small claim, or are comfortable taking on more risk, this can be a great way to lower your overall premium.

SECURITY

Most insurance companies offer discounts for monitored security systems and monitored fire alarms. Gated community discounts may also be available as well depending on the company.

CONSTRUCTION

Newer homes are built up to a newer code than older homes and therefore they will typically get a much better rate. Homes that are concrete construction are going to be less expensive to insure than homes of wood frame. Homes that have a Hip roof will get a bigger discount that homes that do not. If you are looking at homes and want to get an idea, please call one of our professionals for advice.

SENIORS

Some companies will give additional discounts if you are over 55 and retired.

COST VS. REAL ESTATE VALUE

The land under the house isn’t at risk from theft, windstorm, fire and other perils covered in a homeowner’s policy. Therefore, the value of the land should not be included in deciding how much to insure the home for. Make sure the home is insured properly, but you do not want to be over insured.

At East & Greenwell, we always look at every discount that would be available and suggest the company that will be the best value for the client based on their current situation.

Life Insurance

If you are like are like us, your families and their well being are the most important things in your life. It’s something that no one wants to think about. How much Life Insurance do you need? What is the best way to determine the need? Here are just a few reasons why you would need Life Insurance:

  1. To Pay Final Expenses
  2. To Cover Children’s Expenses(college)
  3. To Replace the Spouse’s Income
  4. To Pay Off Debts
  5. To Buy a Business Partner’s Shares
  6. To Pay Off Estate Taxes

At East & Greenwell, we understand what it means to have families and have people that depend on you. Call us to schedule a review to make sure that you and your family have the protection it needs should something happen.

Motorcycle Insurance

It sure is nice living in Southwest Florida or any part of Florida if you have a Motorcycle. Our weather is so nice most of the year you have a great opportunity to get on the open road and enjoy the scenery.

At East & Greenwell, we have lots of discounts in regards to Motorcycle Insurance. When we look at Motorcycle Insurance, the one thing we see most often is that people are not properly protected from Uninsured and Underinsured Motorists. This is a big concern in Florida as we have one of the highest rates of Uninsured drivers in the country.

Call East & Greenwell today to discuss your options and you will find that you do not have to sacrifice important coverage in order to get a great price on Motorcycle Insurance.

Motorhome Insurance

Is there a better way to travel than in an RV? RV owners have the luxury of traveling the country at their own pace. This presents a unique risk from an Insurance perspective and at East & Greenwell, we have you covered.
Does your current Insurance Company allow you to suspend your coverage when you are not using the RV in order to get a discount?

Should you cover your contents on your Motorhome policy or are they covered under your Homeowners policy?

Does your experience with Motorhomes have an impact on your rates?

You can also get a discount for having your Auto Insurance and Motorhome with the same company. Call us today and we will allow you to focus on enjoying your trips knowing that you are properly insured at a great value.

Renters Insurance

What is Renters Insurance?
Renters insurance acts as a homeowner’s insurance policy for those who rent their place of residence. Whether you live in a condo, apartment, house, duplex, etc., renters insurance can protect you and your assets.

Does My Landlord’s Insurance Cover Me?
NO! Do not make the mistake of assuming your landlord’s homeowners insurance will cover you and your assets. A landlord’s policy covers only the physical structure of the rental property, not your belongings. It is your responsibility to make sure you and your personal property is protected.

At East & Greenwell, we will have lots of options on Renters Insurance. We can schedule jewelry or other valuable items on the policy to make sure you have the protection you need should a loss occur.

Here is a quote from a client, Taylor Kessel, who experienced the importance first hand:

I was originally a skeptic about the importance of having renter’s insurance. That was until my home was burglarized and virtually everything of value was taken. The first call I made after calling the police was to Kevin. His team handled everything from setting up the claim to following up after the claim was settled just to make sure we hadn’t missed anything and that we were satisfied with their performance. Going through a loss is a traumatic experience in and of itself, you shouldn’t have to worry about making a claim and who is handling it. Throughout the process, Kevin and his team gave us assurances that our claim was going to be taken care of quickly and correctly, and they delivered above and beyond our expectations. When working with Kevin, you are not just purchasing insurance; you are securing peace of mind.

Retirement Insurance

Getting good advice now can help you build a nest egg for the future so you can retire when you want and enjoy it.

At East & Greenwell, we work with a financial team that has over 50 years of experience combined.

Call us to schedule a review of your current plan to make sure you are on the right track.

Umbrella Insurance

You don’t have to be a millionaire to be sued like one. We’ve all seen the number of legal advertisements.

Sometimes the liability coverage you have on your Auto or Homeowners policy may not be enough. An umbrella provides additional protection should something happen that would exceed your limits.

You have a teenage guest who dives into the shallow end of your swimming pool, or the deliveryman who trips on your front steps. Your car skids and injures an individual and they are injured and cannot work.

No one wants to think about these things, but at East & Greenwell it is our job to help you protect against the unforeseen. Many people with assets do not but the extra coverage or do not buy enough. Some do not even know about the coverage, which also pays for lawyers and legal expenses.

Whether you live in Estero, Naples, Bonita Springs, Fort Myers, or anywhere else in Florida, call us today. Most people don’t realize that umbrella coverage for $1,000,000 can be as low as $225 annually. We’ll help you evaluate your needs today as there can be additional discounts applied to your Auto policy should you have an umbrella as well.

Workplace Insurance

Are you happy with the consistent increases in regards to Health Insurance? If you are a small business, this is a constant drain on capital. At East & Greenwell, we work with a workplace specialist who can assist your business in controlling your costs on your Health Insurance and in helping you to provide access to lots of different options for your employees as far as supplemental coverage. Below is a list of some of the products that we can offer:

  • Group Life Insurance
  • Long and Short Term Disability
  • Supplemental Health Insurance (SHOP)
  • Universal and Term Life Insurance
  • Cancer and Specified Disease
  • Critical Illness
  • Long Term Care
  • Accident
  • Hospital Indemnity
  • Heart & Stroke Coverage
  • Group Dental
  • Group Vision

The company we represent has helped big and small clients alike. Currently they boast such clients as Wal-Mart, Lowes, etc.

A Culture of Caring

Our agents are what separate us from the competition. When you call our team of certified agents, you will always be met with a positive attitude. Whether you’re calling us for a service, claim, or quote, we guarantee you will always receive the same exceptional service.

“ It is amazing what you can accomplish if you do not care who gets the credit. ”

Harry S Truman