Tag: Flood Insurance

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...

Do I Need Flood Insurance?

You might think you don't need flood insurance if you live in an area that is considered "high and dry." Although some areas are more susceptible to flooding than others, flooding can occur anywhere. With heavy rains, spring thaws, or rapid accumulation of rain after a wildfire, flooding can occur in places that are not generally considered at risk. How Does Flood Insurance Differ from...

Basic Guidelines For Purchasing Flood Insurance

Do you need flood insurance? Any home or business can be damaged by water incursions, even those located in a low to moderate flood risk area. If you have concerns about the possibility of flooding due to storm conditions, rising water, fast melting snow, mud, or other situations, getting flood insurance could save you thousands, tens of thousands, or more. Our local agents are here...

Severe Weather Can Occur Anywhere, Anytime. Do YOU Have A Disaster Plan In Place?

The best time to protect yourself, your family and your property in the event of a severe weather alert, is BEFORE it happens. Preparedness is everything. Here are some easy simple steps that you can do ahead of time that will assist you and your family in most disaster situations when the time comes. Build an emergency supply kit – Include items of non-perishable food,...

Better Ways to Save on Your Insurance

        A better way to save on insuring your home is to raise your deductible. An increase from $500 to $1,000 could save up to 25 percent on your premium payments. Most people make the common mistake of insuring a home for its real estate value rather than for the cost of rebuilding. When real estate prices go down, some homeowners may think...