Category: Flood 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...

Do I Need Flood Insurance?

You might think you don't need flood insurance if you live in an area that is considered "high and dry." Although some areas are more susceptible to flooding than others, flooding can occur anywhere. With heavy rains, spring thaws, or rapid accumulation of rain after a wildfire, flooding can occur in places that are not generally considered at risk. How Does Flood Insurance Differ from...

Basic Guidelines For Purchasing Flood Insurance

Do you need flood insurance? Any home or business can be damaged by water incursions, even those located in a low to moderate flood risk area. If you have concerns about the possibility of flooding due to storm conditions, rising water, fast melting snow, mud, or other situations, getting flood insurance could save you thousands, tens of thousands, or more. Our local agents are here...

Climate Change and Flood Insurance

When we take into consideration the aftermath of Superstorm Sandy, and how the Northeast has struggled to rebuild, it appears that the government may have underestimated how widespread flooding can become as a result of climate change. Considered to be experts in environmental forecasting, FEMA officials, insurers and community planners are scrambling to rethink the method in which government evaluates flood risks. While updating flood...

Protecting Your Home While Away on Vacation

Whether they go camping, stay at a luxury resort or visit family in far-flung destinations, more than two-thirds of Americans travel away from their homes during the summer months. So what can you do to ensure your home is safe while you’re enjoying your time away? Your best and first defense should be your neighbors. Inform them that you are going away and ask them to...