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Category: Flood Insurance

Our Top Ten List For Homeowner’s Insurance

Homeowner’s Insurance Countdown There are many factors that go into determining your homeowner’s insurance premiums. We thought it might be fun to address our “top ten list” of things every homeowner should know before purchasing insurance. Remember, as your agent we can help you identify the best possible combination of coverage, price and service. You are a statistic. To an insurer, you are a set...

Now Is the Time to Prepare for the Next Storm

Remember, your homeowner’s insurance may or may not cover the next disaster, so it is a good idea to have our team complete a personal insurance review.  Here are some things you can do right now.  First know what is covered and not covered under your current insurance program. Wind Insurance Wind insurance is designed for those who live in coastal areas.  Wind insurance may...

Is It Smart To Not Have Disaster Insurance?

  Over that past few years there have been many disasters, both from nature and humans. These disasters include wildfires in California, Oregon, Texas, and Colorado; hurricanes Katrina and Sandy; flooding in Texas; winter storms in the Northeast; tornados in the Midwest; earthquakes in the west, and more. Only 13% of U.S. homeowners had flood-insurance policies last year, according to the Insurance Information Institute, a...

How To Get Flood Insurance

Did you know that floods are the most common form of a natural disaster? Floods cause over 4 billion dollars in damages every year. Here is another amazing fact; the average homeowner has a 1 in 4 chance of having flood damage during the timeframe of a 30-year mortgage. If your home is in a flood zone, you must buy flood insurance if you want...

What Does Your Agent Talk To You About?

When you meet with, or talk to, your insurance agent, what are the topics of conversation?  Do you only talk about your bill, or why your premium has increased?  Is the only time you hear from your agent when they try to sell you additional coverage? Some agencies even try to dissuade you from talking to your agent! We are here to provide a different...