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In Naples and Marco Island, two homes on the same street can carry wildly different insurance costs. The difference usually comes down to flood zone, elevation, and how the home was built. Flood zones are not all equal FEMA maps divide Southwest Florida into zones that affect whether flood insurance is required and how much…

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When buyers compare a brand-new Naples home to an older resale, the resale often looks cheaper on paper. But the sticker price is only part of the math. Insurance is the big swing Homes built to current Florida Building Code frequently qualify for far lower windstorm and flood premiums than homes built in the early…

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It is one of the most common and most expensive assumptions Naples buyers make: that the friendly agent inside the builder’s model home is there to help them. They are not. That agent represents the builder, and their job is to protect the developer’s profit. The on-site agent works for the builder The sales rep…

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