FAQ

Yes. CDM Insurance FL is a Marco Island-based independent insurance agency founded by Rich Costante and Tracy, with a combined 26 years of Florida insurance experience. We specialize in helping homeowners, condo owners, and second-home buyers understand the difference between flood insurance and hurricane/wind coverage a critical distinction in the Florida coastal market.

Standard Florida homeowners insurance typically covers wind damage from a hurricane, but it does not cover flood damage or storm surge even if that flooding was caused by the hurricane. In Florida, flood coverage must be purchased separately through the National Flood Insurance Program (NFIP) or a private flood carrier. CDM Insurance FL helps clients on Marco Island and throughout Southwest Florida understand exactly what each policy covers and ensures they have the right combination of coverage in place.

Yes. Condo insurance (also called an HO-6 policy) is different from a standard homeowners policy and is specifically designed for condo unit owners. It covers your interior unit, personal property, and liability while the condo association’s master policy typically covers the building exterior and common areas. CDM Insurance FL helps Marco Island and Southwest Florida condo buyers find the right coverage based on their unit’s specific structure and the association’s existing master policy

Coverage for a second or vacation home in Florida depends on how the property is used and how often it is occupied. Many standard homeowners policies won’t cover a property that sits vacant for extended periods. You may need a DP3 (dwelling fire policy), a seasonal homeowners policy, or specific flood and wind coverage. CDM Insurance FL works with second-home buyers throughout Marco Island and Collier County to identify the gaps that out-of-state buyers often overlook and build a policy package that actually fits the property.