 Well, August is half over and it’s hot, hot, hot! To say it’s been quite a year, is an understatement, yet, here we are…
Summer is drawing to an end and kids are returning to school so, please be careful of those young drivers out there! There’s still plenty of fun in the sun to be had though, so check out our safety tips. Hurricane season is nearly half over but we’re not out of the woods yet. If you haven’t reviewed your Home Insurance policy, now would be a good time to do so. Now is also a good time to get that Flood policy in place. There is a standard 30 day wait on flood insurance, so don’t put it off any longer – give us a call today!  We’re in our second month of Hurricane season and I am forever amazed at some of the phone calls we receive for home insurance. Although we have discussed understanding home insurance in detail, binding restrictions, riders and endorsements, have FAQ’s and have covered policy discounts, many people aren’t aware of the guidelines and regulations regarding a home insurance policy.
Here are a few things to consider before calling us, or anyone, for a home insurance quote….  *Image by Larisa Koshkina from Pixabay Bet the title of this post has you wondering what that old adage about the weather has to do with Insurance.
Lots! Brought on by Spring storms, March winds can mean anything from a gentle breeze to huge gusts to tornadoes. April showers sometimes mean flooding and those May flowers for June brides lend to thoughts of insuring your love.  Hurricane Season is upon us and many people are brushing up on their home/mobile home insurance policies and getting their evacuation plan in order. They’ve pulled out the declarations page and in reviewing, find there are 2 or maybe 3 different deductibles listed: AOP, Named Storm and/or Wind/Hail.
We’ll attempt to clarify these for you here….  If you call for a home, mobile home, or flood policy or to add comprehensive and/or collision insurance to your auto policy and are told no because the company is under binding restrictions, it may confuse or even irritate you.
What in the world are binding restrictions and why do insurance companies implement them?  Image by Plume Ploume from Pixabay We’ve shared with you the importance of understanding your home owner insurance policy as well as different types of deductions you may be entitled to under said policy. We’ve also given some advice on travelling smart, fire safety tips and vacation preparedness to help protect your home, especially when you’re away.
Today let’s talk about the importance of insuring a vacant home. First though, we’ll look at some instances when you may have a vacant home to insure…..  Back in April we talked about discounts available on most Home Owner policies. One discount we didn’t mention is IBHS Fortified.
Not all companies offer this discount and frankly not many people know what exactly IBHS Fortified ™ means! So I thought it would be a good topic to explore and explain.  Image by Angela Yuriko Smith from Pixabay Many people wait until the last minute to gather necessary items in preparation of a named storm or hurricane. Don’t be one of them! |
Tommy Curtis
Is an insurance agent with integrity and your best interest in mind. Call to speak directly to him. Contact us Phone: 337-433-1683 Address: 509 7th Street Lake Charles, LA 70601 Office Hours: M-F 9a - 5p (CST) Follow Us
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