 *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. With Hurricane season arriving along with Summer weddings, it’s a good idea to brush up on your Home / Mobile home insurance. Make sure you understand your deductibles and how they apply to which peril. Keeping in mind the standard 30 day wait for issuance (except on a new purchase), this is also a good time to check into Flood insurance. Bride and Grooms may want to plan on getting adequate Life Insurance along with your other wedding arrangements. Oh, and you newly retired ladies and gents need to get your Medicare insurance in place! Regardless of which of these coverages you’re looking for, we’ve got’cha covered. Give one of our Licensed agents a call. Until next time, take care and remember…. Proper insurance coverage for you home, auto and life should always be a priority! Tommy Curtis and Staff Disclaimers:
Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc. {A Life and Health Agency}  Image by Jossué Trejo from Pixabay Over the last year or so we’ve done posts on insuring your home, mobile home and even a vacant home. We’ve discussed binding restrictions and scheduled personal property as well as policy deductibles, endorsements and possible discounts.
One thing we haven’t discussed is a Builder’s Risk and/or Builder’s Risk Renovations policy. If you’ve been talking to a bank or mortgage company about financing the construction of your home, you may have been told you’ll need a Builder’s Risk policy and wondered what in the world that is. We’re here to help! 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? 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….. Much like home insurance, a mobile home policy insures against losses from fire, windstorm, hail and other standard perils.
Let’s look at a few differences in a Home and Mobile Home Insurance policy…. You’ve purchased your homeowner policy, documented all your contents and personal property and you feel good knowing you’re protected.
Then you have a loss and find your priceless artwork, firearms and electronics are not covered to their full value. Little did you know, but you should have had a Scheduled Personal Property endorsement to cover these items. In this article, we’ll talk about the categories of personal property and the special limits of liability that are on each on a standard homeowner policy. Most states require liability insurance on automobiles and other vehicles registered for highway or “on road” use. Financial institutions usually require Comprehensive and Collision insurance to protect their interest in a vehicle. These three coverages are what many consider “full coverage.” However, in the insurance industry, “full coverage” means a whole lot more.
In this post we’ll discuss what “full coverage” auto insurance entails. Before we get too far into this blog post, let me clarify that a Motorhome is usually covered under state mandated insurance laws just as an automobile is. Since it is a vehicle licensed for on-road use, there are specialized policies for motorhomes; therefore, the information below pertains more specifically to a RV or Camper.
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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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