As with anything else, starting from the right information on flood insurance is going to be especially helpful. Did you know that a lot of people are actually going through life with myths rather than facts? This can lead to a lot of wrong information, so the goal today is to learn the myths — and then the facts in most cases — about flood insurance. Some of them may surprise you!
It’d be nice to think that getting a standard homeowners’ insurance would simply protect you from everything all in one policy, but the reality is very different. Additional policies will cost you extra, but also offer you extra protection. Since even minor repairs or replacements tend to rack up huge bills, this is a very good thing. One of the extra policies you’ll want to have in place living in Texas, which is important to understand properly, is wind insurance. Actually, depending upon what area you live in, you are required to have it.
Protecting your home isn’t always about having an alarm system or a guard dog. Sometimes it’s about protecting it from the weather. Unfortunately, even the most aggressive guard dog can’t help. Insurance is where you are going to want to focus your attention, especially when it comes to Mother Nature.
When it comes to replacing your home after a flood, it’s common to think that traditional home owner’s insurance will cover it, but this is not the case. Flood insurance is a specialized kind of insurance on your home that will protect your home, by enabling you to repair it, if you get flood damage.
There are many people – as well-intentioned as they may be – that will tell you flood insurance is not something that you need to worry about. After all, the insurance companies are out to get you, right? Well, wrong, actually. And flood insurance is something that you should understand and have as part of your policy in Harris and Galveston Counties of Texas.
Whether you’ve got a dog or a cat (or some other pet in your life), your pet is typically a crucial member of your family. Whether they get to sleep on the bed, eat off of your dinner plate, or curl up with you on movie night, we all love our pets differently. Since this emotional connection and focus on well-being is so important, why not take a look at the idea of getting pet insurance? This can help make the difference between being able to provide your pet with quality care or not. There are plenty of things to consider to help determining how pet insurance can benefit your family.
One of the best things about the Holidays is travelling with loved ones, whether you’re going on a short trip, or a long one. One of the biggest vulnerabilities when travelling over the Holidays or any time for that matter is the fact that you are leaving your home open to robbers. The beloved Home Alone depicts this perfectly, after all. Make sure that you keep your home safe from those who want to make a profit from your belongings by taking a look at these tips and tricks.
They say “hindsight is 2020” which means – “It’s easy to know the right thing to do after something has happened, but it’s hard to predict the future.” There are too many folks in the greater Houston area and even down South in Rockport, Tx that understand this all too well.
Further, many folks can relate to the point that any kind of insurance is a pain but if you have it when it is needed, you are grateful. Insurance is a fee, or premium, that we pay each month or year until a disaster or accident occurs and you have to call on that policy for any damages.
Renter’s insurance offers financial coverage for loss or damage of property. The kind of insurance may differ based on the kind of property you are occupying as well as the possessions you wish to be covered. With regard to a rented property, the tenant really needs to purchase what is known as renter’s insurance. While it may be easy to find insurance online, to be sure you get the type of coverage you need, it would be of your best interest to go through an agent. Be advised, you don’t pay more to have an agent, but you do get so much more benefit out of a good one!
Lots of motorcycle riders in the Gulf Coast and Clear Lake Area don’t have enough coverage on uninsured motorist. In Texas it’s required coverage, but you are able to reject it in writing and lots of insurance providers may not explain the importance of including uninsured motorist on your motorcycle.
Coastal residence have a unique risk of flooding and rising water which is not always a threat to other Texans and our Insurance faces changes in 2011. Our FEMA managed National Flood Insurance Program is just as necessary today as it was 40 years ago.
Here are some considerations:
- There is not a private market that would be willing to provide this coverage. Why you ask? Well, simply put- people that are the most at risk to flood are the only consumers who purchase flood insurance. What that means to us in the Texas Gulf Coast is that there is no large group paying for the losses of a few.