Closing

COLLIER COUNY UTILITIES AND INSURANCE

 Congratulations on your new home purchase in Naples or Southwest Florida!  Your financing is all in order, the movers are booked.  Now it’s time to think about the tiny details that you will need to wrap as you head quickly to your closing day.  Here are some things that will make your approach to closing day much smoother:

INSURANCE-  Make sure your insurance is in order before closing.  The “ownership” of the home will be either “Single Family” or “Condo”.  If you are purchasing a condominium, you’ll need an individual condo insurance policy – technically known as HO6 insurance. While the condo association takes some of the insurance burden off you, you’ll still need your own protection.  Condo association insurance typically covers building exteriors and common areas. However, this type of home insurance – known as the master policy or homeowner association (HOA) policy – doesn't likely cover what's inside your specific unit. It also may not cover all damages outside your unit.  An HO6 policy covers your personal property and most things not covered by your condo association policy. Unlike homeowners insurance, HO6 insurance typically only covers things inside your unit – although this can vary among condo complexes.

In most complexes, the condo association’s master policy protects the exterior of you unit. It also protects other parts of the condo community, including common areas such as hallways, party rooms, workout areas and the pool. You pay for this coverage through your condo association dues. Before buying condo insurance, review your condo association policy. Notice the level of protection your condo association offers. That's where you will discover what a condo owner's individual policy covers, and what the condo association's master policy covers. 

You should be able to get this information from the condo board or from the company that manages your building. The HOA policy may not be easy reading – some association policies can be dozens of pages of legalese – but it's essential to understand where your responsibility begins.

ELECTRICITY-

Florida Power and Light (FPL)- www.FPL.com | 239-262-1322 | 800-226-5885

CLICK HERE to Start, Stop or Move Electric Service

WATER AND SEWER-

City of Naples Water and Sewer Service- www.NaplesGov.com | 239-213-1800

Collier County (Outside of City of Naples)- www.colliercountyfl.gov | 239-252-8999  

 | CLICK HERE TO COMPLETE APPLICATION

Collier County Public Utilities water and sewer accounts are setup in the name of the property owner.  Therefore, transfer of ownership will be completed upon receiving one of the following documents:

  • Fully executed and recorded Warranty Deed

  • Recorded Certificate of Title with stamp

  • Closing Disclosure with both buyer and Seller Signatures

  • Page one of HUD-1 or Settlement Statement along with fully executed signature page reflecting signatures of buyer and seller

>>The completed documents and Service Application can be emailed to utilitybill@colliercountyfl.gov.  OR fax to 239-252-6699<<

Please include the property address  in the body of your email or correspondence.

To mail completed documents send to: Collier County Utility Billing at 4420 Mercantile Ave, Naples, FL 34104-3348

HOMESTEAD EXEMPTION- **EXTREMELY IMPORTANT** If your home in Collier County is going to be your primary residence, it is very important for you to file for your homestead exemption ((and other exemptions as well, as soon as possible.  You must own your home as oof January 1st, and the deadline to file Homestead Exemption is March 1st of that year.  However, anytime after March 1st you may pre-file for homestead for next year, and we highly recommend you pre-file so you do not have to worry about it.  CLICK HERE to see where to file, and what you need to bring to file for Homestead, or see our Homestead Exemption Guide for details HERE.

CABLE / INTERNET / WI-FI-

CLICK This Link to Open a Tool to Look Up Which Company Services Your New Address. Alternatively, visit www.SmartMove.us

DOWNLOAD FULL ROAD TO CLOSING DOCUMENT HERE