Standard Insurance Does Not cover Flood Damage

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Standard homeowners and renters insurance does not cover flood damage. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program – and from a few private insurers.

http://www.iii.org/article/does-my-homeowners-insurance-cover-flooding

Flooding is a coast to coast threat

Be aware of flood hazards no matter where you live, but especially if you are in low-lying areas, near water, behind a levee or downstream from a dam.

http://www.ready.gov/floods

Don’t Buy A Teen His Own Car

Did You Know?
It’s usually cheaper not to add a third car when you’re adding a teen driver to a two-parent, two-car family.   The reason is that insurers rightly assume the kid will drive less without his own car. (Even without a third car the average annual premium goes up 58% with a teen added, according to a recent Insurance.com study.)

To get the best rates, contact your independent Insurance agent.  Mike Zucker 740-383-4638

Consider uninsured motorist coverage

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When purchasing auto insurance, consider getting uninsured motorist coverage.  This protects you and family members living with you should you be hit by a negligent driver who is uninsured or “underinsured,” even if you’re walking, bicycling or skateboarding at the time.

According to the Insurance Research Council, at least 16% of drivers, and about a quarter of those in New Mexico, Mississippi, Alabama, Oklahoma and Florida, are uninsured.

For more information and insurance tips call your Independent insurance agent, Mike Zucker 740-383-4638

Have a Fire Escape Plan

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Did You Know?

Talk with all household members about a fire escape plan and practice the plan twice a year.

For more information, contact Mike Zucker 740-383-4638

RED CROSS FIRE SAFETY TIPS
http://www.redcross.org/prepare/disaster/home-fire

Insulate Your Home

Did You Know?

Insulate your home by installing storm windows or covering windows with plastic from the inside to keep cold air out.

Test Smoke Alarms

Did You Know?

Test smoke alarms once a month, if they’re not working, change the batteries.

Install Smoke Alarms

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Did You know?
You should install smoke alarms on every level of your home.  In addition, you need them inside bedrooms and outside sleeping areas.

For More Tips and Ideas – Call Mike Zucker 740-383-4638

RED CROSS FIRE SAFETY TIPS

http://www.redcross.org/prepare/disaster/home-fire

Fire Hazards

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Did You Know?   The most effective way to protect yourself and your home from fire is to identify and remove fire hazards.     60 percent of house fire deaths occur in homes with no working smoke alarms. During a home fire, working smoke alarms and a fire escape plan that has been practiced regularly can save lives.

For More Tips and Ideas – Call Mike Zucker 740-383-4638

Ask Your Agent About Discounts

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Ask Your Insurance Agent about New Year Discounts.    Discounts are awarded because the insurance company sees you as a “better risk.”    Here are some discounts you should look for: multiple vehicles, driver education courses, good student, safety devices, anti-theft devices, low mileage, good driver/renewal, auto/home package and dividends.    Check with your agent to see if there possible options for you.

For More Tips and Ideas – Call Mike Zucker 740-383-4638