Punta Gorda Homeowners Insurance Agents

Sports Calendar for 10/6

Youth Sports

Oct. 15-16

AJGT The Wetlands Junior Golf Classic - Lafayette, La.; two-day, 36-hole junior golf tournament for ages 12-18, four divisions; entry deadline midnight Oct. 9; ranked by National Junior Golf Scoreboard. Info: (318) 402-2446; Web: www.arrowheadjgt.com

Oct. 29-30

AJGT Kelly Love Showcase Classic Junior Golf Classic - Point Clear, Ala.; two-day, 36-hole junior golf tournament for ages 12-18, four divisions; entry deadline midnight Oct. 23. Info: (318) 402-2446; Web: www.arrowheadjgt.com

General Info

Cape Coral Bass Club - Meeting first Tuesday each month, 7:30 p.m., Caloosahatchee Moose Lodge 2395 on Cape Coral Parkway; men, women, children who love to bass fish welcome; tournaments held locally and out of town. Info: Jim Lewis 945-7188; Web: www.capecoralbassclub.com

Cape Coral Tarpon Hunters Club - Meeting third Thursday (March through September) each month, 7 p.m., Cape Coral Yacht Club; 40th anniversary year; club catches and releases all tarpon; social and competitive club, hosts rookie seminars, tournaments for youth and adults. Info: Gary Jackson (239) 898-2980.

Cape Coral Sailing Club - Meeting fourth Wednesday each month, 7:30 p.m., Cape Coral Yacht Club, 5819 Driftwood Pkwy.; adults interested in boating (sail or power), cruising or armchair are welcome. Info: Ron Miniter 945-7761.

Sailing Singles Club - Happy Hour gathering first Friday each month, 5 p.m., general meeting third Thursday each month, 7 p.m.; learn to sail with us; new members and captains with sailboats welcome. Info: Shannon (239) 541-0104.

Oct. 6, 10, 13, 17, 20 & 31

U.S. Coast Guard Auxiliary Flotilla 9-10 Boating Skill & Seamanship Course - Publix Supermarket, Santa Barbara & Veterans Parkway; classes meet 7 p.m.; various topics discussed. Info: Scott Brenner (239) 671-5829; for free boat safety check, Jack Salis (239) 549-5129.

Friday, Oct. 7

Servpro Golfing For Charity Tournament - West Bay Club, Estero; registration 8 a.m., shotgun start 9 a.m.; entry fee $100 per player, proceeds benefit Harry Chapin Food Bank (nonperishable food donations collected prior to tournament). Info: (239) 334-7007; Web: www.harrychapinfoodbank.

Punta Gorda Homeowners Learn What Landlord Ins. Covers!

 

Turning your home into a rental or buying an investment property? Expect to pay up to 20% more for the right insurance policy to protect your property.  Landlord insurance costs about 15% to 20% more than regular homeowners insurance for the same property.

If you think a homeowners insurance policy will cover you when you turn your current home into a rental property or buy an investment property, think again.

Rental properties require their own type of coverage—landlord insurance, which is different than the homeowners policy you buy when you live in a house yourself. Landlord insurance protects you against losses from fire, lighting, falling trees, wind and hail, water damage, and injury to your tenants and their guests.

But it doesn’t cover the renters’ household goods. So encourage tenants to buy a renters policy to cover their stuff. You can even include a clause in your lease saying they have to buy renters insurance, so everyone is clear about what’s insured and what’s not.

You’ll pay 15% to 20% more for a landlord insurance policy than you will for a homeowners policy on the same house—and even more if you offer short-term rentals. Start your policy shopping by calling the company that sold you your homeowners insurance, then check with an independent insurance agent selling commercial and business policies.

Ask how you can get discounts if you have fire prevention devices, burglar alarms, or multiple properties.

There’s a limit to how many claims you can file before insurance companies start charging you more or canceling your policies. Claims can quickly add up as you buy more rental properties.

One time you always want to file a claim is when someone says they’ve been injured on your property. One claim you’ll want to avoid filing: water damage for less than $10,000 because worries about mold growing in water-damaged properties will lead some insurers to immediately cancel your insurance policy.

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