Mistakes That Home Buyers Make

Mistakes In Buying A Home…Insure Your Home With Caution!

Many home buyers make mistakes when purchasing a home. Gulf Coast Educators Insurance wants to help homeowners avoid these costly mistakes. Here is a list of common mistakes to avoid when you insure your home:

•Not knowing what you can afford. Just because a bank qualifies you for one amount that doesn’t mean that you can afford that amount. Remember you have to be able to pay all of your bills which could include: groceries, student loans, credit card payments, financial investment, and insurance.

•Not using an agent or using the seller’s agent. There are many factors involved in buying a home and an experienced agent is worth his/her weight in gold. The seller’s agent works for the seller and isn’t concerned with your needs.

•Skipping the home inspection. A home inspection is a necessity to discover if there are code violations, if the house needs repair, or if there is structural damage to the home

•Not getting pre-approved for a mortgage. Being pre-qualified for a mortgage helps a home buyer understand what they can and can’t afford, points out any errors that might be on a credit report, and can help a buyer realize that they may need to save more or improve their credit score in order to afford their dream home

•Becoming too emotionally invested where they must have this particular house even if the home is not within their budget or meets their basic requirements (example: buying a two bedroom home when there are plans to have children and add to the family)
•Not considering additional expenses. For example, property taxes, maintenance costs of lawn, pool, and homeowners association fees

These are just a few of the mistakes that a potential home buyer makes. Gulf Coast Educators Insurance can help make sure that a home buyer has enough home insurance coverage. Our insurance agents are experienced and knowledgeable and can help you protect your home.

Our agency also offers auto insurance, life insurance, and financial service at any of our three Florida insurance office locations: Naples, Port Charlotte, and Fort Myers. The agents at Gulf Coast Educators Insurance can help you customizing an insurance policy to cover all of your insurance needs.

Please call us today to set-up an appointment to review your insurance coverages. To reach our Naples office, please call 239-591-0963. For our Port Charlotte office, please call 941-391-5423. To speak with an agent at our Fort Myers office, please call 239-997-0420. We are here to help you get the best insurance coverage for you and your family. Call us today!

Life Fit For A King!

Do You Have The Best Life Insurance?

Recent news brought us the story of the death of a Blues legend, B.B. King. Mr. King reigned as the king of the blues for more than half a century. His death is a loss but he leaves behind a legacy of music for his family, friends, and fans. Most people will not leave such a legacy behind but they can make sure to protect their family by having a life insurance policy. Gulf Coast Educators Insurance offers a variety of life insurance products.

A life insurance policy helps provide for family that you leave behind when you die. Even a person who is single should consider having a life insurance policy. The policy can pay for funeral costs as well as helping the family pay off any bills that you leave behind. Those that have a spouse, family, or anyone that relies on their income, definitely needs to have a life insurance policy.
Gulf Coast Educators Insurance offers several options for a life insurance policy. These options include:
• Buy-Sell Agreement for business owners
• Term Insurance
• Whole Life Insurance
• Universal Life Insurance
• Key Person Insurance
Our knowledgeable and experienced insurance agents are available to help you choose the best life insurance policy for your needs. Our agents can explain all aspects of the policies and help you personalize a policy to best meet you and your family’s needs. Gulf Coast Educators Insurance advises you to consider life insurance while you are healthy. The costs are lower when you are younger and healthy. Of course, if you are older and have some medical conditions, it is still advisable to consider getting a life insurance policy.

Gulf Coast Educators Insurance is the leading agency for insurance and financial services in Southwest Florida. We have three locations located in Naples, Port Charlotte, and Fort Myers. To schedule an appointment to discuss life insurance with our Naples insurance agents, please call 239-591-0963. You can reach our Port Charlotte insurance agents at 941-391-5423. To set up an appointment at our Fort Myers office, please call 239-997-0420. Our agents are waiting to help you secure the perfect life insurance policy for you and your family. Please call us today!