Got Flood Insurance?

Floods and flash floods can occur anytime, anywhere. What's your best defense against devastating financial loss? Be prepared! Take a moment now to learn about your risks, resources and responsibilities. Phoenix Arizona residents need a local agent who can help them know more about Flood Insurance.

Buying flood insurance is the best thing you can do to protect your home, business, family, and financial security from a flood. Visit FloodSmart.gov for great information!

• When you are a flood insurance policyholder
• Flood insurance compensates you for all covered losses.
• Coverage is relatively inexpensive.
• You can depend on being reimbursed for flood damages, even if the President does not declare a Federal disaster.
• You do not have to repay a loan, as you might have to with many Federal disaster relief packages. Your covered losses are paid in full.
• You can count on your claim being paid in the event of a flood loss because NFIP flood insurance is backed by the Federal government.
• Your agent can help you handle your claim quickly, so that you will not have to put your life on hold if a flood damages your property. You can even request a partial payment immediately after the flood, which can help you recover even faster.

Getting Ready For College

Getting ready to send your kid off to college? We all know the usual checklist… socks, underwear, new shoes and a haircut. But what about insurance? Coverage can vaary widely from state to state. You need a local agent in Phoenix to help.

Does your family scholar have a laptop? Is it covered? What about a stereo and headphones, or an IPod? You should consider the following:

1. The number one crime on college campuses is theft.
2. Your young adult may own more stuff than you realize.
3. You may not have a list of what to report to the insurance company if there is a loss.
4. Many items are not covered automatically under your homeowner’s policy, or there may be limits in coverage. Items such as jewelry, laptops, and some other electronics may not automatically be covered in full.
5. Claims are handled more quickly when there is an inventory of your young person’s personal property, and especially when there is photo documentation.