As a native Floridian I have seen my share of hurricane seasons in this the storm prone peninsular of ours. Each year around November I take a collective sigh of relief with the rest of my Florida neighbors. In my thirty years as a Florida resident, I have been blessed to have yet had any serious damage done to my home or cars. I know many others in the state often do not fair quite as well. Although a chill comes down my spine at the beginning of each season, I also feel a sense of calm. I know that my home and cars are covered, so what ever happens I will be taken care of. Can you say the same? Here are a few things you should know about your insurance coverage going into this years hurricane season.
Do I Really Need Flood Insurance?
"Well I live on a hill, and I really don't see the need in getting flood insurance." Considering most standard homeowners insurance policies do not include flood insurance it is very important that you know if you are covered. You may not be covered and feel as if you don't need flood insurance. I would definitely advise you to be careful. Many people have gone this route only to regret their decision down the line.
Does My Auto Insurance Cover Hail Damage?
Hurricanes produce storms, many of these storms produce hail. For people with cars in their drive ways, or who live in apartments I would hate to hear that you called your insurance provider for a claim on the damage, only to find out you are not covered.
I have an Older Home. Do I Need to Upgrade My Policy?
This is a popular question that depends greatly on the age of the home, and where it is that you live. It is defiantly an important question. Depending on where you live you may be required to rebuild damaged parts of your home to new community standards; which is often more expensive.
Emerge Insurance Agency is an independent insurance agency, meaning we are not bound to a single insurance provider. We have the ability to survey the market and find the plan that fits you the best. Call, email, or visit our website for a quote.
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