When disaster strikes, the last thing that you should have to think about is the financial stress of paying for all of the damages to your home. Your family, the people around you, and your own safety should be the main concern. With the right homeowners insurance you can cover damage to your property as well as others, leaving you with the assurance you need to take care of the people around you. Our team is dedicated to finding you the right security at a price that fits within your budget.

Preparing for the Unexpected

No matter how severe or unexpected the disasters, a lender will still come knocking at your door expecting you to make payments. We are here to help you be prepared for the unexpected. Whether you become a victim of a natural disaster such as a fire, earthquake, flood, or someone in your home is seriously injured, the right homeowners insurance will cover the expenses. Even losses incurred from theft and vandalism can be covered and reimbursed.

Condominiums can add convenience to your life with their advantageous locations, easy maintenance, shared amenities, and recreational facilities. On top of all this, you have the peace of mind knowing that your association has insurance that covers your building and property. These are great aspects to living in a condominium, but the insurance your association has (in most cases) won’t cover a break in, water damage, or even someone who is injured in your home. D Gates Insurance Group is ready to find you the best policy at the most competitive prices on the market!


The association insurance will most likely only cover the exterior walls to the rest of the outside property. This leaves you with everything inside to cover. This may seem daunting but we are here to help you find the best options for you and your family. Some of the coverages include:

  • Coverage for bodily injury for others who are hurt on your property

  • Liability for damages to property

  • Damage protection from fires, vandalism, and other property damage

You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk.

Let D Gates Insurance Group help you find coverage options that protect you, your family, and your personal property. Let us help make sure you’re properly covered.

What You Need to Know

Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.

For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

Protect Yourself and Your Guests

Your renters insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected.

In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let us help you find the right amount of coverage to suit your insurance needs.

When it comes to buying auto insurance, no one wants to pay more than they have to. Thankfully, at D Gates Insurance Group, we make it easy for you to find an affordable car insurance policy that is just right for you and your family! We are dedicated to helping you save as much as possible while getting you the coverage that you need.

Getting Started

If you’d like to save on your auto insurance policy without reducing your coverage, D Gates Insurance Group is the company to turn to. We are confident that you will be able to find great deals on any of the following types of coverage:

  • Full coverage

  • Collision coverage

  • Comprehensive coverage

  • Personal injury

  • Liability auto insurance coverage

  • Uninsured motorist coverage

If you live in Florida, chances are D Gates Insurance Group covers what you ride. We insure a full spectrum of motorcycles from street cycles, Harley Davidsons, cruisers and touring bikes, to dirt bikes and ATVs.

We often think of flooding coming from large bodies of water such as lakes, streams, or rivers. What many fail to plan for is the floods that come from heavy rain fall, and blocked storm drainage systems. Whether you live around a river or in an area that has occasional flash floods, you need the right insurance plan that covers you and your family. It may just be a slow moving flood that only leaves an inch or so but the damage can be significant enough to cost thousands of dollars in restoration and repairs.

Flooding is oftentimes unpredictable and you may have absolutely no control over the situation. This is why we believe that you should have as much say and control as you want in your preparations. As an independent agency, D Gates Insurance Group is ready to give you flexible options that can fit your specific needs, no matter where you are! 

D Gates Insurance Group understands businesses in the community. You can find our office in Cape Coral, and our clients all around Florida. As an independent insurance agency in Cape Coral, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business.

Our Commitment To Serve You

D Gates Insurance Group knows that in Florida, there are as many unique insurance needs as we have neighbors who live here! Contact Gena about your specific insurance needs.

Commercial & Business Insurance Products

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.

What’s Peace of Mind Worth to You?

An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your homeauto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection.

The cost is minimal compared to the comfort of knowing you’re covered.

Liability Insurance Starts When the Others Stop

Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available.

Broad Coverages

An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.