With all the news about the earthquakes in Haiti and Chili many are asking questions about their homeowner coverage. Most homeowner policies cover damage caused by: fire, wind, or theft. Additional coverage can be purchased for flood and earthquake damage, but are not part of your regular homeowner policy. Planning for the worst and hoping for the best. Preparing for a disaster means having a plan. Before disaster strikes you should have the following in your plan: A common place to meet if you cannot meet at home; a supply of drinking water; non perishable foods; any medications; list of phone numbers: your family doctor, hospital, utility departments, etc.;, a battery powered radio, and don't forget about your pets; if time permits turn off gas, water, and electric before hand. Also make sure your insurance is up to date. If you have updated your home: added a room, remodeled your kitchen, etc. make sure your insurance agent knows of your changes to properly replace your home. Flood (rising water) insurance is administered by the Federal Government. There are two major factors that determine your flood premium; your flood zone, and your elevation certification. Earthquake coverage may be added as an endorsement to your existing homeowner coverage. While we do not have many earthquakes in North Alabama, it is a possibility, and unless you have an earthquake endorsement on your policy you are not covered. Consult an insurance professional today to discuss your needs. ...read more
By Hannah Insurance Agency July 21, 2010
Having motor insurance gives you peace of mind, and looking for motor insurance involves carefully comparing motor insurance. Comparing motor insurance will ensure that you receive a good insurance rate and a provider that will provide quality service when you need it most. ...read more
When you have booked a cruise, the last thing on your mind are the things that can go wrong. You probably are more concerned with the fun times ahead. Unfortunately, cruise travel insurance should come to mind, as not having coverage can create problems such as lost items or trip cancellation problems... ...read more