Eton Bridge Insurance provides high net worth insurance for private clients in Naples and throughout Collier County, including Port Royal, Old Naples, Aqualane Shores, Pelican Bay, and the area’s private golf communities. We serve Naples clients from our Orlando headquarters with the same concierge attention we give our neighbors.
Naples combines some of Florida’s most valuable waterfront real estate with serious storm surge exposure. Hurricane Irma made landfall at nearby Marco Island in 2017, and Hurricane Ian’s surge flooded much of Naples in 2022. Coverage here must be built for the coast.
What Makes Insuring a Home in Naples Different
Storm surge and excess flood
National Flood Insurance Program policies cap building coverage at $250,000 and contents at $100,000, which is why most high-value homes pair an NFIP or private primary policy with excess flood coverage. For a waterfront Naples home, we typically recommend excess flood limits that reflect the true rebuilding cost and contents value, along with coverage for additional living expenses while you are displaced.
Wind, hurricane deductibles, and the market
Citizens Property Insurance, Florida’s insurer of last resort, generally cannot cover a home whose replacement cost exceeds $700,000 ($1 million in Miami-Dade and Monroe counties), so high-value homes depend on private, admitted, and surplus lines carriers. Hurricane deductibles on coastal homes are usually a percentage of the dwelling limit, so a 5% deductible on a $5 million home is $250,000. We help you choose a deductible deliberately and compare it with the premium savings.
Seasonal residents
Many Naples owners are here from fall through spring. Policies may restrict coverage for unoccupied homes, and water damage can go undetected for weeks. Leak detection, automatic water shutoff, and a written hurricane plan with a home watch service protect the home and often earn credits.
Yachts and Gulf boating
Boats kept in Naples Bay, the Gordon River, or local marinas need yacht policies with clear navigation limits and a named storm plan. We coordinate yacht coverage with your homeowners and umbrella so there are no gaps in liability.
Collections and wine
Art, jewelry, and wine collections should be scheduled on a valuable articles policy with agreed values and coverage when items travel between your Naples home and residences elsewhere.
Coverage and Guides for Naples Clients
- High-value home insurance
- Flood insurance
- Yacht insurance
- Personal umbrella insurance
- Why NFIP flood limits are not enough for high-value homes
- Understanding hurricane deductibles on high-value Florida homes
- Protecting a Florida second home while you are away
- Yacht insurance and hurricane plans in Florida
High Net Worth
Insurance Coverages
When it comes to replacing the lost income of high earners, traditional insurance plans are often times inadequate because the policy language is too restrictive.
If you are a high earner, don’t jeopardize your family’s financial well-being. Contact us to find out how high net worth coverage can assure that everything you’ve worked for will be protected!
High Value
Vehicles
Just like many standard homeowners policies are inadequate for high value homes, the same can be said for high value auto insurance. Traditional auto insurance policies are often times more restrictive than you might need if you have a high value vehicle.
We can help you whether you’re looking for high value homeowners insurance, auto, or umbrella, we will work together with you to build a custom insurance program for your specific needs.
Policies that are referred to as “high value” policies are often times really just standard H03 policies with riders attached to beef them up. Insuring your home adequately is serious business.
What many homeowners don’t realize is that most standard H03 policies (fancy word for homeowners policy contract) aren’t robust enough to handle a high value home.
Customized Coverage Options
Jewelry & Watches
Collections
Fine Art
Eton Bridge
Process
Our team of knowledgeable agents are experts at finding the right coverage for your family, or your business. Get your insurance quote now.
