Category: Flood Insurance

A New Year… Let’s Get Your Insurance Right

  As we move into a new year, I hope that every insurance agent and insurance buyer thinks about how they view their relationships.  Let us get away from the clever insurance advertisement’s attempts to bring our products and services down to the lowest common denominator, price, and commodity.  Insurance products and services are used to build our local economies, we allow people to dream,...

What Is Covered Under a Homeowner’s Liability Policy

A Personal Insurance Update Most people never actually read their homeowner’s insurance policy.  We agree insurance policies are difficult to read and understand unless you are in the insurance business.  Nevertheless, we do recommend that you read your policy.  If you have any questions call our office, as we are happy to help you. The liability portion of your renters’ or homeowner’s coverage will be...

Common Mistakes Made When Purchasing Business Insurance

  Business Insurance 101 We work with hundreds of businesses and help them manage their commercial insurance programs. Our team recommends coverage and risk options as part of our regular services. Over the years, we have seen some businesses make preventable mistakes when considering their insurance coverage.  We thought it would be good to share these with you. Business Insurance Mistakes Mistake: Assuming you do...

Why Do I Need Separate Flood/Earthquake Insurance?

A number of disasters are covered under the typical homeowners insurance policy, but not everything. If you live in a flood zone or an area prone to earthquakes, you will need to purchase separate flood insurance or earthquake insurance. Our experienced agents can help ensure you have the coverage you need at the best available rates. What Disasters Are Covered By Homeowners Insurance? Although individual...

Can You Live Without Disaster Insurance?

Human caused disasters and natural disasters occur in every state. California has earthquakes and wild fires, Colorado has flooding and wildfires, the Northeast has winter storms and high winds, Florida has flooding and hurricanes, and the Midwest has flooding and tornados. Insurance And Disasters It is safe to say that most business and homeowner’s insurance policies do not cover the risks associated with disasters. The...