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Tag: Flood Insurance

Should I Purchase Flood Insurance If I’m Not in a Flood Zone?

Should I Purchase Flood Insurance If I’m Not in a Flood Zone?

Flood insurance covers direct physical loss to your home structure and belongings caused by flooding. If the area where you live is not in a flood zone, you may think you are safe from flooding. The fact is that flooding is the most common natural disaster in the country. Many flood-related insurance claims come from areas with a low to moderate flood risk. What Does...

Commonly Overlooked Types of Business Insurance

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...

Why Do I Need Separate Flood/Earthquake Insurance?

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...

April Showers, Bring May Flowers…But If It Floods, Is The Damage Covered By Your Insurance?

Just when you stopped worrying that another Polar Vortex would bring more severe cold, snow and ice, rising spring temperatures pose another risk: water damage—caused by ice dams, ice jams and flooding, according to Insurance Information Institute(I.I.I.) Water can be extraordinarily destructive. It only takes a few inches of water to cause tens of thousands of dollars in damage, pointed out the I.I.I. In fact, water...

Think Your Homeowners Insurance Will Cover Melting Snow? Think Again...

  If you think your homeowner's insurance policy will cover damage caused by melting snow, think again -- most problems caused by melting snow, fall outside the coverage of standard homeowner's insurance policies. Water seeping into the foundation, roof leaks caused by faulty gutters overrun with snow melt, basements flooded by snow runoff -- these are all problems that can result from melting snow, and...