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Additional coverages you may want to consider:

Flood

• EVERYONE lives in a flood zone, whether located in a higher or lower risk zone. 
• Nearly 25% of all flood claims are for properties located in lower-risk flood zones 
• Residential and business development are increasing chances of flooding.
• Flooding can even be caused by clogged, overloaded, or inadequate street drains. 
• The homeowner policy excludes loss by flooding.
• Nearly every risk in a participating community can obtain a flood insurance policy 
   
  Flood Zones (no such thing as located "out" of the flood zone)
• Higher risk - zones beginning with "A" or "V"; lender requires flood insurance
• Lower risk - zones X, B, C; can still purchase flood insurance; much less expensive

Identity Theft

-Occurs when a person's identification (including name, social security number, driver's license number, bank account or credit card numbers) is used by another person for unlawful activities.

-Is one of the fastest growing crimes in the U.S.

-Required over 10 million Americans to spend an estimated 300 million hours last year resolving problems related to identity theft.

Preventing Fires

A house fire breaks out every 45 seconds. Here are few tips to help prevent a fire from starting in your home.

Install smoke detectors in each level your home. Make sure they're at least 6 inches away from where the wall and ceiling meet.

Teach children to never play with matches. Keep matches out of their reach.

Check electrical outlets to make sure there aren't too many things plugged in. Make sure cords aren't run under the carpet or behind the curtain

Clean the lint trap each time you use your dryer.

Keep things like curtains away from halogen lamps, and don't use them where they can be knocked over, like in kids' rooms.

Don't leave burning candles unattended, and don't set them too close to flammable objects.

Personal Liability Coverage

Nobody wants or expects to be sued. But if you are held personally accountable and legally liable for certain injuries or property damage, we can help you be prepared with a Personal Umbrella Liability (PUL) Insurance Policy

Renters Insurance

Tenant insurance is a special type of homeowners insurance created specifically for people who rent. You have unique insurance needs, and a tenant policy can help you meet them.