Premium Insurance for
Marco Island

Yes — significantly. Standard homeowners policies often have vacancy or unoccupancy clauses that can limit or void coverage if the property is unoccupied for 30–60 days or more. Seasonal and snowbird properties require specific endorsements or specialty carriers that understand secondary home exposure. Bruno ensures your Marco Island coverage is valid year-round, even when you're not there.

Condo association master policies typically cover the building structure and common areas, but individual unit interiors — including your flooring, cabinets, appliances, and personal belongings — are your responsibility. An HO-6 (condo unit owners) policy fills these gaps. Bruno reviews your association's master policy against what you own inside your unit to make sure there are no coverage gaps.

Most waterfront and near-waterfront properties on Marco Island are in FEMA high-risk flood zones. If you have a federally-backed mortgage, flood insurance is legally required. Even without a mortgage, the financial exposure from a single storm surge event on a high-value coastal property makes flood insurance essential — not optional. Private flood carriers often offer better terms for elevated properties.

Marco Island's coastal location means windstorm deductibles are typically 2–10% of your dwelling coverage value — not a flat dollar amount. On a $1 million home, a 5% windstorm deductible means you pay the first $50,000 out of pocket before insurance responds. Understanding this before a storm — not during the claims process — is critical. Bruno walks you through your windstorm deductible structure and what it means financially for your specific property.