Flood Insurance
Posted: February 15, 2016
Flood Insurance What is Flood Insurance? Flood insurance covers damage caused by rising water. Floods can happen anywhere, anytime–not just in coastal areas or near lakes and rivers. Torrential rain, snowmelt, mudslides, dam failures and inadequate drainage systems can all cause flood losses. There are two types of flood policies: Preferred and Standard. The flood hazard zone you live in determines the type of policy...
Do I Need Flood Insurance?
Posted: February 2, 2015
The short answer is yes! Whether or not you live in a high risk flood zone, you are taking a tremendous risk with your home and financial security by not obtaining flood insurance. With very few exceptions, homeowners’ insurance does not provide coverage for damage caused by a flood. While the image of a river overflowing its banks often comes to mind when defining a...
Flood Insurance
Posted: January 19, 2015
While homeowners’ insurance typically provides protection for things like a fire, lightning strike, hail damage, theft, and many other hazards, one thing usually not covered under a homeowners’ policy is flood. With few notable exceptions, you must purchase a separate flood insurance policy in order to protect your home from rising water, mud slides, and tidal surge. The National Flood Insurance Program provides coverage for...
After a Car Accident
Posted: January 12, 2015
Immediately following a car accident, the most important thing is to ensure everyone involved is safe. If any injuries exist, be sure emergency services are called immediately so medical care can be administered as quickly as possible. If, thankfully, no one is seriously injured in the accident, you may find yourself wondering about the next steps once the dust settles and your adrenaline surge is...
Do I Have “Full Coverage?”
Posted: November 10, 2014
In the insurance industry we often get asked for policies providing “full coverage,” but this is not a straightforward request. “Full coverage,” is not technically an insurance term. Many people use “full coverage” to refer to automobile insurance policies that carry both the liability coverage generally required to register a vehicle and coverage for the vehicle itself, specifically comprehensive and collision coverage. Having “full coverage” does...