November 2026 is here! Which means so are our seasonal residents. This includes more people walking downtown, more cars on the road, fewer parking spots, WAY more grocery carts scattered in the parking lot (lol), and of course, added risk. Now that we're well into the final quarter of 2026, it's a great time to call-in for a quote on your Auto and Condo or Home insurance. Not only is this a GREAT opportunity for savings, but also prudent to receive a second opinion from a second set of eyes on your risk exposure and coverage options.

At our agency, insurance is about more than policies—it’s about people, relationships, and protecting what matters most. Our mission is to build lasting relationships with our customers by being a trusted resource through every stage of life. We take the time to listen, understand your needs, and help you make informed decisions about protecting your family, your assets, and your future. Backed by State Farm’s 103-year legacy, our team provides personalized guidance and coverage options with the same care and attention we would want for our own families. Whether you need auto, home, life, health, or business insurance, we’re here to make the process straightforward, convenient, and personal. Our commitment goes beyond simply helping you choose insurance coverage. Our dedicated team is available to review your changing insurance and financial needs, including transfer of asset services, so we can continue to be a resource as your life evolves. Above all, we want every customer to feel valued, understood, and well cared for. We strive to go above and beyond, provide exceptional service, and make protecting your future as easy as possible—giving you more time to focus on the people and moments that matter most.

A little about me personally, I knew becoming a State Farm Agent was right for me just 6-months into my former role as a Team Member in Ocala, FL! I began with State Farm in 2018, however I also have experience in the real estate industry, also automotive, home improvement, athletic training, and college baseball recruiting. Fun fact, I'm a former baseball player at Stetson University (Go Hatters!). My father is a former Navy man and retired Law Enforcement, and my mother is a current Captain for the City of Ocala. My family is from South Florida but I was raised in the Horse Capital of the World! I have a team of 5 licensed individuals in Fort Myers, FL. I am happily married with a beautiful daughter, a Doberman Pinscher, and a conure! I'm a graduate of Miami-Dade College, Stetson University, and Rollins College. I'm a member of the Greater Fort Myers Chamber of Commerce and we're growing a team of next-level insurance professionals!

Conveniently located on College Parkway in Fort Myers, just one mile from the Cape Coral Bridge next to the Church of Christ in the Fountain Court Complex, our team is proud to serve customers throughout the entire state of Florida. Give us a call or send us a text, and we’ll quickly connect you with the right member of our team.

We’d be honored to have the opportunity to earn your business and welcome you to the Michael Fernland State Farm family. With personalized service, an experienced team, and coverage designed around your needs, we’re ready to help protect what matters most to you. Contact us today—we look forward to getting to know you!

Announcements

• Our office will be closed early this Thanksgiving eve, this Thanksgiving, and Black Friday! Be sure to follow us on Facebook or Instagram for announcements!

• Beginning August 2026, our office will close between 12 and 1 PM for our team to take lunch.

• Need to report a claim? The fastest way to do so is via the State Farm Mobile App. You may also text CLAIM to 62789 or call (800) SF-CLAIM.

• Need a 2026 Calendar? We have a few left at the office for your choosing!

Ask a Licensed Team Member about:

Business and Commercial insurance, Workers Compensation, Family Income replacement, Personal income protection, College tuition, Retirement planning, Boat insurance, Home insurance, Condo insurance, Renters insurance, and Golf Cart insurance.

Frequently Asked Questions (FAQ)

Q: How do I get car insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with one of our licensed agents directly. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs.

Q: How quickly can car insurance coverage start?

A: In most cases, coverage can start the same day you decide to move forward. You may also lock in a policy today with an effective day as far out as 60-days. We can help you get set up quickly so you're covered and ready to go. You may also switch any time as all insureds are entitled to any and all "unearned" insurance dollars spent, just ask one of our licensed agents for clarity.

Q: What coverage is required when leasing a car?

A: Leased vehicles typically require more coverage than the state minimums. In addition to liability insurance, leasing companies usually require comprehensive and collision coverage, and you may need to list the leasing company on your policy as an additional insured or loss payee. We do this every day and we're here to make it easy for you!

Q: What kinds of things does renters insurance protect?

A: Renters insurance can help protect the things you've worked hard for, like your furniture, clothing, and electronics. It may also help with liability if someone is injured in your home, and even assist with temporary living expenses if you have to move out due to a covered loss. Ask us why State Farm FL is THE fit for you and your family!

Q: Is homeowners insurance required?

A: Homeowners insurance requirements can vary depending on your state and situation, but most lenders will require it if you have home financing. Even when it's not required, many homeowners choose to carry coverage to help protect their home and financial well-being from unexpected events. Looking for coverage? Reach out to see what home insurance options we have for you - contrary to popular belief, State Farm FL is a national brand writing home insurance in the sunshine state! Call us to see if you are eligible today!

Q: How does life insurance work at a basic level?

A: Life insurance is a way to help take care of the people you love financially, and/or your future self (long-term!). It can provide support to yourself and/or your beneficiaries to help cover things like everyday expenses, debts, or future needs, depending on the coverage you choose.