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Homeowners Insurance As a homeowner, you know you can't afford to be without homeowners insurance. Our companies offer varying levels of homeowners protection that can protect both your home and its contents. Homeowners insurance, which offers a package of Property and Liability coverage, has been a good bargain for the consumer. For a homeowners policy to pay properly for potential losses, care must be taken when writing it to meet the consumer's wants and budget. A person purchasing a Homeowners policy will want to ask many questions. For instance, what are the replacement cost provisions? How much liability will be provided? What is the choice of deductibles? Should jewelry, furs, special collections and other personal items beprotected with coverage? What discounts are available for items such as smoke detectors? And these are not the only questions. Generally, loss resulting from flood is not covered by Homeowners insurance, so a separate Flood policy may be in order. A periodic Homeowners policy checkup is a good idea, since circumstances and personal property may change. For example, if you start a homebased business or have just finished renivating your home, your insurance probably needs adjusting. WE offer...broad, flexible protection for your home...and YOU!
Insurance Coverages available for your personal needs include: Homeowners Insurance Boats/Jet Skis Personal Umbrella Farm & Ranch Renters Insurance Tenant Dwellings Jewelry/Furs Flood Recreational Vehicles Motorcycle Life & Health Disability Income
We provide many types of insurance. As an independent insurance professional we can help you select the coverage and price best suited to your particular needs. Here are a few tips that will reduce the chances of loss of life and property should you suffer a flood emergency: Before the Storm... Make a list of your valuable possessions. If you live in a flood prone area, consider adding storm shutters to reduce loss of property. Develop a list of emergency items you might need if you must evacuate. Include such items as: non-perishable canned foods, flashlights, portable radio (don't forget the extra batteries), dry clothing and any medication that may be needed. Most of these items can be placed in a backpack and kept in a closet for quick and easy access in an emergency. Some actions you take to prevent food damage may be covered under your policy. Keep records of money you spend to buy sandbags, plastic sheeting, lumber, pumps, fill for temporary levees and wood. Also,money spent to move insured contents to a safe location. (Check your policy for details.) Once the Flood Hits... Personal safety is critical. Flood waters rise very quickly, so every minute counts. You should be prepared to evacuate before the water level reaches your property. Stay away from powerlines and electrical wires. Electrical current can run through water. Report downed wires to the appropriate authorities. Turn off all utilities. Using Your Car During a Flood... Only use your car if it is safe. Keep your gas tank at least half full. Gasoline pumps may be out of service in the event of a power failure. If the car stalls, you should leave it. Flood waters can rise quickly and sweep your car away. Don't drive through a flooded area. If You're Walking... Be careful. Don't walk through flowing water. Flash flooding can sweep you right off your feet. Floors covered with mud can be very slippery. Once You're Home Again... Check for gas leaks. Don't use candles, lanterns or open flames unless you're absolutely sure the gas has been turned off and the area aired out. Even fumes can ignite. Be careful using any equipment that can produce carbon monoxide exhaust fumes. This odorless gas is deadly. Clean everything that got wet. Don't eat spoiled food... if you're not sure, throw it away. Only drink water that you know is safe. Please contact us for a quote or additional information Please remember that flood is not covered under a homeowners policy. You need to purchase a flood insurance policy. |