Everything we do we treat you the way you want to be treated. We have very high standards; concierge client service standards. We think (about insurance) differently. We ask you more questions, design a customize insurance solution for you, educate you and assist you in making the best buying decision for your family.
A homeowners insurance policy covers a lot more than just losses resulting from fires. The policy covers theft and burglaries. If a high wind blows off your roof, you have coverage. If someone comes to your home and slips on your hardwood floor, or anywhere else in the house, you have coverage if this person decides to sue you.
Unlike your auto, your home is not as susceptible to losses stemming from reckless human behavior. Drunk or negligent drivers arent as much of a menace. But your home is susceptible to Mother Nature.
Unfortunately, the standard homeowners policy does not provide coverage for some of Mother Natures, uh, mood swings. For example lets say steady rains cause that nearby creek to rise over its banks, sending water throughout your community, including into your home. Your homeowners policy doesnt cover flooding, so if this water causes damage, youll have to pay for any repairs that are needed, unless you have a separate flood insurance policy.
Mother nature is completely unpredictable. Without any warning the area you live in could go from draught like conditions to 10 inches of rain pouring from the sky. The ground just cant absorb water at that rapid of a rate and the next thing you know not only have the creeks overflowed but there is standing water everywhere. After the rain has started coming down it is too late to consider flood insurance. Every policy has a standard 30 day waiting period (unless it is being required to purchase a mortgage).
Flood insurance can cover everything from your home to your personal belongings inside. You can purchase as much or as little coverage as you think you need. At ISU O’Connor Insurance Associates an agent will walk you through a series of questions to learn more about your concerns about flood insurance and your property. During the conversation the agent will help educate you, clarify the jargon, simplify the process and lay out the options so you can make an informed buying decision. Your home is a very big investment. Your needs are unique and your flood insurance policy should reflect exactly what you would like coverage for.