Community Information


While staying at the Cove Inn, be sure to enjoy some of the local amenities the Cove Inn and Naples, FL has become famous for.  Whether it be a relaxing afternoon on our sundeck, enjoying the view of the bay, or taking the short stroll and enjoying the sandy beaches or all of the shopping and restaurants Crayton Cove, Fifth Avenue and Third Street have to offer, there’s a little something for everyone.  For those who prefer more of a relaxing afternoon, sit by our tropical, heated pool with a book from our library, or visit our bar overlooking the water.  Be sure to enjoy breakfast at the award-winning Coffee Shop in our lobby, or lunch and dinner at the Dock or Boathouse restaurants, both located just footsteps away from your unit.

Assessment Fees and Payments

The Association assesses a fee to all homeowners commonly referred to as the condominium assessment. The majority of these assessments are used to maintain the common property and amenities, and to provide for property management, social activities and mailings. Dues are also used for street maintenance and trash collection. Refer to the annual budget for further allocations of the assessment payments. Assessment payments are due on the first of every quarter. Payments not received by the 10th of the month they are due shall bear interest at the highest rate allowed by law, calculated from the date due until paid.  The Association may also impose a late fee payment (in addition to interest) to the extent permitted by law.  Assessment payments can be made quarterly or paid in advance.

Below are some additional FAQs you may have regarding account information and payment of your quarterly assessments:


Q: How can I find out how much my assessment payments are and when they are due?
A: Contact your Account Representative at 239-262-7161, Ext. 418

Q: How and when do I receive my payment statements?
A: Statements will be mailed out approximately 2-3 weeks before the assessment payment is due, or if you are a new owner, within 2-3 weeks of our receipt of your settlement statement (HUD-1).

Q: What should I do if I do not receive a statement?
A: Please contact your Account Representative at 239-262-7161, Ext 418.


Q: What should I do if I have question about my account?
A:  If you have questions concerning your account, you may contact your Account Representative at 239-262-7161, Ext. 418.


The Association maintains insurance policies on the common elements and grounds. The individual homeowner is responsible for insuring personal property in his/her home and elsewhere on the grounds. Unit owners are encouraged to seek independent recommendations from qualified brokers concerning insurance that they should maintain to protect their interests. Participants in the Rental Pool Program are required to maintain a $300,000 personal liability policy and provide proof of such to Cove Inn Management.

Insurance Agent for the Old Cove Condominium

The insurance agent is Ryan Schmidt of Gulfshore Insurance, who can be reached by calling 239-261-3646 or by email at  Your mortgage company may send you a notice requesting proof of Master Insurance coverage at year’s end, the renewal date of the insurance policy, the anniversary date of your mortgage, or when you are selling your home. You may also need this information for refinancing and other financial transactions. You can obtain this proof by requesting a Certificate of Insurance through the Condo Certificate Department at Gulfshore Insurance via email at or by fax at 239-213-2823.