Personal Insurance

Protecting your Valuables – Personal Article Floater A Personal Articles floater is used to insure valuable personal property that often requires more coverage than what is provided by an insured’s homeowner policy, due to various exclusions and limitations on homeowner coverage. The personal articles floater can be used to insure the following categories of personal […]

The Benefits of Flood Insurance Over Federal Disaster Assistance Flood Insurance Disaster Assistance YOU are in control. Flood insurance claims are paid even if a disaster is not declared by the President Between 20 and 25 percent of all claims paid by the National Flood Insurance Program are outside the Special Flood Hazard Areas There […]

You’ve suffered a flood.Your home or business – and contents within have been damaged – possibly destroyed. WHAT DO YOU DO NOW? Contact your insurance company or agent as soon as possible. Tell them you’ve suffered a loss and will be filing a claim. Make sure to tell them where you can be reached, especially […]

Top Facts Every Consumer Needs to Know about the National Flood Insurance Program (NFIP)* Everyone lives in a flood zone. Flood damage is not covered by homeowners policies. You can buy flood insurance no matter what your flood risk is. There is a low-cost policy for homes in low- to moderate-risk areas. Flood insurance is […]

Possible Motor Home/Travel Trailer Insurance Discounts Many of our carriers offer varying degrees of special discounts Diminishing Deductible : Some Insurance companies might lower your deductible every year you are accident free. You can save on your premium with: Membership in an approved recreational vehicle association Loss-free discount following consecutive policy terms without a claim […]

Disaster Readiness Are you prepared for a disaster —hurricane, tornado, viral epidemic, terrorist act, earthquake or flood—that might strike your area? Although many homeowners claim that they’re ready for whatever comes, many will find themselves totally unprepared for the sheer magnitude of loss. Although certain preparations apply to specific risks (such as window shutters in […]