Flood Insurance (Contl. 1)

5 Steps To Building Your Financial Foundation

When a building is constructed it needs a strong foundation to withstand the test of time and the environment around it. The same holds true for your finances. If you are to financially withstand the test of time, you need a strong financial foundation. If your financial foundation is weak, it will crumble. Everyone's financial circumstances are different; so some of the steps outlined below may apply to your personal situation and some may not. To evaluate your personal financial foundation you should review your life insurance, retirement investments, disability and health insurance and annuities. Another factor that will help to stabilize your ...

Life Insurance Settlements|A Financial Tool

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Special Insurance|Long Term Care & Credit Insurance

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Compare Car Insurance

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Health Insurance Online

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Direct Insurance or Group Health Insurance

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Classic Car Insurance or Van Insurance

Classic car insurance Van insurance insurance Whether you have auto insurance, motorcycle insurance, van insurance or classic car insurance - the purpose of your insurance policy is the same. That purpose is to pay for accidents that may occur. How each policy goes about paying your accident claim may be different, but the purpose of the policy is the same. A very basic auto insurence policy includes comprehensive, collision, medical and liability. However, specialty auto insurance products, such as, motorcycle insurance, van insurance and classic car insurance sometimes need different coverages than the basic insurance policy coverages. The reason for this is ...

Make Sure You Meet Car Insurance Requirements

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Health Insurance Brokers or Online

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House or Fire or Homeowners Insurance

House insurance is sometimes referred to as fire insurance or homeowners insurance. In addition to covering claims for home fires, most house insurance policies also cover claims filed for wind, lightening, hail, smoke, explosion and vandalism. Check your personal policy. Most fire insurance policies do not cover for flooding. Flooding is generally excluded from a fire insurance policy because floods can only be covered under a flood insurance policy purchased from the federal government. Check the government’s website for additional flood information. Water backup is different from flooding though. If your policy carries the proper coverages water backup can be covered under ...

Insurances

Insurances are not all the same - insurance agents are not all the same either. Some insurance agents specialize in property casualty insurance, while others specialize in health insurance. Property casualty insurance agents sell auto and home insurance; RV insurance and umbrella insurance. Agents who specialize in health insurance, sell group, personal health insurance and supplemental health insurance. Since their expertise is different, their training and licensing requirements are different. Personal health insurance and supplemental health insurance both ask medical questions, so the agent has to be trained accordingly. But when you buy RV insurance or umbrella insurance you are not ...

My Flood Insurance

If you own or rent a home, do you need flood insurance? Floods can happen anywhere and at anytime; so theoretically – everyone needs flood insurnace.

Even low to moderate flood risk areas have natural occurring floods. Just because you live in a low to moderate risk area do not feel as if you do not need flood insurance. Statistics show that twenty-five percent of all flood insurance claims are filed in low to moderate risk areas.

Many people believe that their homeowners insurance will cover a flood – no it does not cover for damages caused by a flood. If you have the proper coverage, your homeowners insurance policy will cover “water-backup” from your sump pump – but “water-backup” is entirely different from a flood.

Flood insurance is purchased through insurance agents across the country – but flood insurance is underwritten by the federal government – not the insurance agent. To learn more about the National Flood Insurance Program through the federal government visit the NFIP website.

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