Insurance Built for
Fort Myers

Hurricane Ian permanently changed Lee County's insurance market. Several major carriers exited Florida, reducing competition and pushing rates up significantly. Citizens Insurance became the insurer of last resort for many homeowners. As an independent agent, Bruno shops multiple carriers — including surplus lines — to find the most competitive rate for your specific property.

If you have a federally-backed mortgage and your property is in a FEMA high-risk flood zone, flood insurance is legally required. But even outside required zones, Ian showed that storm surge and inland flooding can reach areas never before considered at risk. Flood coverage is always a separate policy from homeowners — and often worth carrying regardless of your zone.

Yes. Many Lee County homeowners received non-renewal notices after Hurricane Ian. As an independent agent, Bruno has access to multiple admitted and surplus lines carriers. Even for properties that standard insurers have declined, alternatives exist — including specialty markets — that can provide real coverage. The sooner you start, the more options remain available before a lapse occurs.

Yes. Signature Trust serves businesses throughout Lee County — from the US-41 corridor to downtown Fort Myers and Cape Coral. We offer commercial property, general liability, business owners policies (BOP), commercial auto, and umbrella coverage. Post-Ian reconstruction has made commercial insurance especially important for businesses that suffered physical damage or business interruption losses.