Ahhhh…that beautiful summer day is almost here, and you and the kids are itching to get away. Families all over the world take road trips, a whopping 76% of vacationers go by car, according to the U.S. Travel Association’s travelhorizons research group! With all the fun planning at the forefront of your mind, take a […]

“According to the National Flood Insurance Program (NFIP), a 6 inch flood in a 1000 square foot home can cause over $20,000 in damage” NOW THAT WARMER WEATHER is here and the snow has melted, thoughts turn to cleaning up or repairing damage caused by winter storms.  Such damage may or may not be covered […]

Lets face it no one wants to talk about  Flood insurance!  They think its too pricey or they say,”It never Floods here.”  The truth is, as many have learned in the past two years, that it can flood anywhere!  As weather patterns changes, everyone is at risk for flooding. Also, you may be surprised at […]

Use this Levee Simulation Tool to learn how Levees work and most importantly how they fail. The tool uses adobe flash, will not be viewable on mobile devices, and devices that do not have flash installed.

When you think flood, you may be thinking, major disaster or a big storm. You may be visualizing people standing on rooftops and floating away on doors. But, only two inches of water in your home could cost you thousands of dollars.  Use the complimentary, Flood Cost Tool below to estimate potential flood damage that could be caused to […]

Homeowners insurance basics How is the cost of my homeowners insurance determined? A number of factors determine the cost of your homeowners policy, including the type of policy you choose; how much insurance you carry; and the size of your deductible. The construction of your home or apartment also is a factor, as some buildings […]

Even though you purchase your insurance through an independent agent, your flood insurance is written by a federal entity called the National Flood Insurance Program (NFIP). In July 2012, Congress passed laws that made major reforms to the NFIP. As such, rates are likely to increase to reflect the true flood risk of your property […]

Affordable insurance for renters I rent my home. Am I covered for losses under my landlord’s homeowners or landlord insurance? No. Your landlord cannot insure your personal property your personal computer, clothes, stereo, television, jewelry, furniture, bicycle, artwork and other items against destruction or loss. Renters insurance, however, will give you both property and liability […]

Homeowners Quick Tips for 2013 1. Review your policies annually. A walk-through of your coverage needs with your agent may identify other coverages (i.e., jewelry, artwork, etc.) that you need, as well as ways to save on premiums such as bundling auto and home insurance coverage together with one provider or requesting higher deductibles to help contain […]

Personal Umbrella Policy Like a real Umbrella a Personal Umbrealla Insurance policy offers you protection when it rains! A Personal Umbrella Policy extends the liability coverage of your homeowners and auto policy, protecting your family and assets from in the case of a lawsuit. Do You Need an Umbrella? Here Are Some Things to Consider […]