Local Cape Coral, Florida insurance coverage that fits your family & business needs, with a team that knows your name.
Home, flood, and boat insurance in Cape Coral, Florida
Cape Coral sits across the Caloosahatchee River from Fort Myers and is known for its network of more than 400 miles of canals, more than almost any other city in the world.
Rebuilding after Ian
Hurricane Ian (2022) made landfall nearby as a Category 4 storm, sending surge into canal-front homes across the city. We quote flood insurance separately and review dwelling limits so your policy reflects today's rebuilding costs.
Canal homes, pools, and roofs
Most Cape Coral homes are concrete block with pools and screen enclosures, and carriers look hard at roof age and enclosure coverage. We shop homeowners coverage across carriers and explain how your hurricane deductible works.
Boats with Gulf access
Many homes have docks and lifts with direct Gulf access. We write boat insurance with hurricane haul-out coverage, plus umbrella policies for added liability on the water.
Your insurance team for Cape Coral, Florida
We work with Cape Coral households and business owners, and also serve nearby Fort Myers, North Fort Myers, Pine Island, Lehigh Acres, and Sanibel, along with communities across Florida.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Don’t see your business? Tell us what you do.
Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in Cape Coral, Florida providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Cape Coral, Florida.