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Category: Flood Insurance

Importance of Flood Insurance - Even If You're Not In a Flood Zone

Flood insurance – most people think it just applies to areas that are deemed a flood zone. Recent history has shown us that you don’t have to live in a flood zone to get flooded out. A strong thunderstorm can cause immense water damage even if you’re nowhere near a lake. If you aren’t required to have a policy, it’s not a bad idea to...

Commonly Overlooked Types of Business Insurance

You already have business insurance, but have you overlooked a situation that could put your business at risk? We offer a list of the most overlooked types of business insurance, as well as a brief explanation of each type. Employment Practices Liability Insurance (EPLI): This insurance protects against claims filed against your business by an employee, such as wrongful termination, harassment, discrimination, and others. When...

Private or National Flood Insurance Program? What’s the difference?

Most people don’t realize there are two kinds of flood insurance. While most people know and understand the National Flood Insurance Program (NFIP) which is managed by FEMA, the availability of private flood insurance is growing. What does private flood insurance cover? Private flood insurance not only covers your home and its contents, it also offers loss-of-use coverage, which pays for relocation expenses. Although this...

Homeowner's Insurance - What is it and what does it cover?

What’s the deal with homeowners insurance? When purchasing a home, the term homeowners’ insurance comes up quite a bit. Although it’s an assumption that it’s a requirement, many new buyers don’t understand what homeowners insurance covers and why they truly need it. Let’s start with the basics: What is homeowners’ insurance? This is a series of coverages that assist in repairing or replacing your home,...

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...