4414-4 S Del Prado Blvd.
Cape Coral, FL 33904


“We strive to provide our clients with a variety of insurance options for their unique needs so they can make informed decisions.”

– Rod Michaels, CISR

Welcome to Gulf Harbor Insurance

At Gulf Harbor Insurance, we know the importance of having an insurance policy that helps protect you. We’re an established independent insurance agency in Cape Coral, Florida. We know that sometimes it can be difficult to know exactly what you need and that’s where we come in.

We do more than provide insurance; our goal is to educate our customers about their insurance options and to find a policy that meets their needs. We don’t believe that there is one-size fits all insurance solution, instead we listen to your concerns, ask questions about your goals, and help you find the best type and amounts of coverage. Our customers are like family and we treat them with the integrity and respect they deserve.

Located in Southwest Florida, we offer a wide range of insurance policies including personal, auto, flood, business, and even  event special policies.

Latest Blog

Flood Insurance

FEMA versus Private Flood Insurance: What Are Your Options?

When it comes to Cape Coral flood insurance, homeowners may not realize they have options. However, you should take the time to compare all options before making any decision. In

Homeowners Jewelry Coverage

Jewelry Coverage: Your Homeowners Insurance May Not Provide Enough Protection

Do you have enough insurance protection for your jewelry? Many homeowners don’t. Having just a few pieces of valuable jewelry can easily exceed the limitations of your homeowner’s insurance policy.

Understanding Insurance Deductibles

Homeowners Insurance Deductibles: What Deductibles Will You Pay?

Filing a claim for a loss on your homeowner’s insurance policy does not have to be challenging, but you should know what your financial responsibilities are. Here’s a closer look

Cape Coral Flood Insurance

Do You Have the Flood Insurance You Need This Hurricane Season?

​It’s hurricane season, and with it comes the worry about which storm will hit our area and just how bad it might be. As of June 1st, the 2018 hurricane

7 Secrets About Auto Insurance Premiums

There are several factors that influence how much you will pay in auto insurance. Gender. When it comes to scoring the best

Will the Luck o’ the Irish Be With You on St. Patrick’s Day?

When celebrating St. Patrick’s Day, let’s not assume the Luck o’ the Irish is with us when it comes to safely getting home from the party. If you plan to

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