Category: Property

Do I Really Need Hurricane or Windstorm Insurance?

If you live in a hurricane-prone area, there’s no way you can go without having hurricane and wind insurance. Although it seems like a no-brainer, this is a necessity. What exactly is wind and hurricane insurance? This type of insurance covers damages caused by hurricanes or heavy winds. It’s important to note that these policies do not cover floods, so an additional flood insurance policy...

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,...

Wind and Hurricane Insurance - What Homeowners Need To Know

How strong is your homeowners’ policy? Having homeowners’ insurance is important, but knowing what that covers is crucial. With inclement weather popping up at a moment’s notice, the policy must include areas you may not think you need. For instance, you may live in an area that requires flood insurance. Did you know that’s an extra policy? Even with a policy in place, there are...

Flood Insurance - Do you need it?

Do you live in an area prone to flooding? Hurricane season is here and it’s best to have an adequate flood insurance policy in place. As we’ve seen over the past few years, areas that are not prone to hurricanes have also been hit with major flooding and water overflow in low-lying areas. What does flood insurance cover? If you have standard homeowners' insurance, it...

Boaters Insurance – Protecting Your Watercraft

Owning a boat, whether for fishing or simply enjoying the open water, can be one of the greatest pleasures in life. Boats are valuable assets requiring comprehensive insurance coverage. Like most other vehicles, boats need both property insurance and liability protection. The right policy minimizes most of your risks as an owner of significant and unexpected loss. Here’s a closer look at the coverage you...