​Flooding is the most common natural disaster in the United States, affecting every state. Flooding can be caused by storms, dams or levees breaking, new development changing how water flows above and below ground, snow-melt and much more.
Do You Need Flood Insurance?
Here are some important facts to keep in mind:

• FACT: Homeowners and renters insurance does not typically cover flood damage.
• FACT: More than 20 percent of flood claims come from properties outside high-risk flood zones.
• FACT: Flood insurance can pay regardless of whether or not there is a Presidential Disaster Declaration.
• FACT: Disaster assistance comes in two forms: a U.S. Small Business Administration loan, which must be paid back with interest, or a FEMA disaster grant, which is about $5,000 on average per household.  By comparison, the average flood insurance claim is nearly $30,000 and does not have to be repaid.

It’s easy to see that having flood insurance provides important recovery help.
Our agency can help you understand more about this important coverage. Stop by or call … we’re here for you!

When atmospheric conditions are right, tornadoes can strike with little warning and cause grave amounts of damage in a very short time. These tips can help minimize your risk and keep you and your family safe.
What is a tornado?
A tornado—also known as a twister—is a violently rotating column of air that extends from a thunderstorm and comes into contact with the ground. Tornado intensity is measured by the Enhanced Fujita (EF) scale, which rates tornadoes from 0 through 5, based on the amount and type of wind damage.
How common are tornadoes?
An average of about 1,000 tornadoes are reported nationwide each year. Twisters are more common in the central United States, though they can occur almost anywhere in North America, including in large cities.
Tornadoes can happen at any time of year or at any time of the day or night, though they happen most frequently between early spring and July, and between the hours of 4pm and 9pm.
What are the warning signs of a tornado?
Signs that a twister is coming include:

• Dark greenish skies
• Large hail
• Dark, rotating, low-altitude cloud
• Loud roar, like a train

Despite the fact that meteorologists are now better able to predict them, tornadoes can strike with little warning. Therefore, it's best to be prepared well before a tornado approaches. For tips, handy checklists (including ones you can personalize yourself) and planning advice to cover a variety of situations, get the I.I.I.’s Know Your Plan app. It's a great tool to help get you and your family—including pets—organized and ready to act more quickly if disaster strikes.
In communities with a history of tornado activity, there may be a tornado warning siren and/or a digital messaging system to alert residents that there is a twister coming and that they should seek proper shelter immediately.
What's the difference between a tornado watch and a tornado warning?
Both tornado watches and tornado warnings are issued by the National Oceanic and Atmospheric Administration (NOAA)/ National Weather Service. However, there are critical differences between the two alerts.
A tornado watch means that conditions are favorable for tornadoes to develop. Be alert to changes in the weather, account for all family members, and listen to local radio and TV stations for updated storm information. Move cars inside and keep car and house keys with you. If time permits, move lawn furniture and equipment inside to minimize flying debris. If a tornado siren sounds, stay inside and take cover.
A tornado warning means a tornado has actually been spotted or is indicated on weather radar in your area. This means danger is imminent and you may only have seconds to take cover.
Now is the best time to review your current coverages with our agency even if you did not get the policy through us. Feel free to contact us from the comfort of your home.

When shopping around for homeowners insurance, for a new house, you will notice many insurance companies will offer you coverage.
The same does not always apply when looking to insure an old home.
From water damage to worn roofing, older homes often require high cost and frequent repairs, something most homeowners insurance companies do not want to get involved with.
Home insurance is an essential part of protecting any property investment, old or new. 
Do not settle for the first quote you find, use our agency to find the most affordable quotes from numerous companies, fast.
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you.
Most transactions can be done over the phone without having to leave the comfort and safety of your home.
Call us at your convenience and let us see how much money we can save you on your home insurance.

We can insure your home, autos and all your toys at great rates.
Has it been over three years since you compared your coverages and rates?
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you.
And we might be able to close some coverage gaps in your current policy.
So, let us do the searching for you for free! Call our office for all your personal insurance needs. 

Usually, insurance decisions are made on a static basis, related to life’s milestones such as the following:

• New adults leaving home for their own apartment.
• Getting a new job
• Marriage
• Children
• Major purchases
• Moving to a new home
• Acquiring cars, boats or other vehicles
• New drivers in the household
• Divorce
• Retirement

The above events often trigger a need to evaluate one’s insurance landscape. It may spur a need to buy renters coverage, a homeowners or auto policy or secure wedding coverage, an umbrella policy or endorsements for jewelry etc.

However, there’s an issue with milestones. Typically, years pass between these events and that may cause you complacency about your coverage needs. You may not recognize that having adequate protection is more dynamic.

Not to worry, there is an easy way to consider making necessary changes. Often, holidays and vacations include acquiring more personal items, such as Christmas, anniversaries, and birthdays. These are times that, besides fun and memories, are also accompanied by gifts, such as jewelry or other high-value items. After these special days, take a moment to evaluate whether you received property that might make it prudent to update your coverage.

How about vacations? Generally, any coverage concerns are unnecessary for routine trips within the country. However, what about dream vacations in foreign destinations or in-country get-aways for extended periods? In either case you may need to consider whether your existing policies cover the situation. For instance, do you need temporary, separate coverage for protection in other countries? Will your travel create any special liability issues? Did you acquire new property that needs protection? Will you be away so long that you have to address any issue created by your absence from your residence?
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Having proper coverage means taking the steps to make sure that it protects you in the manner you need. Use these special days and events as touch points to contact our agency to make sure you have needed protection.

A BOP—a Business Owners Policy—can protect your small business against today’s most common risks. Fire, burglary, liability, and business interruption losses are all covered under a BOP.
In a single, convenient package, a BOP provides the core insurance that most small businesses need, including:
Property insurance—Protection for your building or office space, as well as property owned by your business, such as equipment and inventory.
Liability insurance—Coverage for costs that arise if someone is injured at your business or by using your products or services.
Business interruption insurance—Also known as Business Income insurance, this coverage replaces lost revenues in the event that your business has to shut down due to fire, wind damage or other covered losses.
It is important to understand that a BOP doesn’t cover all risks associated with running a small business and the coverage limits are usually lower. You can tailor a BOP to meet your needs.
Our agency can help you understand the many risks associated with running a small business. Feel free to contact us for a no-obligation review of all your insurance needs.

Has it been three years or more since you compared your auto insurance policy with another agency?
There’s a good chance you have coverage gaps and are not getting all the discounts you deserve.
Our agency uses the most state-of-art software to make sure you get the discounts you earned by comparing with our many insurance carriers.
So, let us do the searching for you for free! Call our office for a Quick Quote and visit our website for more information.

If you have just married or will soon, you are likely facing some complex insurance decisions. Getting smart about the insurance implications of combining lives and households can help you secure "happily ever after," and perhaps even save money. To get smart about insurance together without tearing each other apart, you need resources.
Have "The Talk"
To avoid misunderstandings that could dim your newlywed glow, our agency recommends couples have a pre-wedding discussion to address topics such as auto, home, health, and life insurance. Vow to follow these tips for marital bliss.
Auto
Driving record: Finding out you're in love with a speed demon after saying "I do" can be a shock to your psyche and your auto insurance premiums. You may want to think twice about combining coverage, and educate yourself about named-driver exclusion clauses.
Grown-up toys: The rules likely change when you go from passenger to driver of your new spouse's motorcycle, boat or ATV. Before you take the wheel, find out who is or is not covered.
https://www.insureuonline.org/newlyweds_game_auto.htm​