When it comes to flood insurance, many homeowners often operate under misconceptions that can lead to inadequate protection for their properties. Flooding can be devastating, and understanding the facts about flood insurance is crucial to safeguarding your home and finances. Let’s take a closer look at some common myths surrounding flood insurance and the truths that counter them.

Myth 1: My Homeowner’s Insurance Covers Flood Damage

One of the most prevalent myths is the belief that standard homeowner’s insurance policies cover flood damage. In reality, most homeowner’s policies exclude flood damage. If you live in a flood-prone area or are at risk of rising waters from heavy rainfall, you’ll need a separate flood insurance policy to ensure coverage. The National Flood Insurance Program (NFIP) provides options for those who need it.

Myth 2: Flood Insurance is Only for High-Risk Areas

Many people think that if they don't live in a designated flood zone, they don’t need flood insurance. While it's true that high-risk areas are more prone to flooding, flooding can occur anywhere—regardless of your location. Studies show that around 20% of flood insurance claims originate from homes outside of high-risk flood zones. It’s a wise investment for peace of mind, no matter where you live.

Myth 3: Flood Insurance is Too Expensive

Another myth is that flood insurance is prohibitively expensive. While costs can vary significantly based on location, the type of coverage, and the property itself, many people find it to be a manageable expense compared to the potential losses from flood damage. Additionally, the NFIP offers affordable premiums, and there may be possible discounts for policyholders who take steps to mitigate flood risks.

Myth 4: You Can Wait Until a Flood is Imminent to Get Coverage

Some homeowners believe they can wait until they see a storm approaching to purchase flood insurance. Unfortunately, this is not the case. Flood insurance policies typically have a 30-day waiting period before they take effect. Waiting until the last minute can leave you vulnerable and without coverage when you need it most.

Myth 5: Flood Insurance Only Covers Structural Damage

Many believe that flood insurance only covers damage to the structure of the home. In reality, a standard flood insurance policy covers both the structure and personal belongings, including appliances, furniture, and electronics up to certain limits. However, it's essential to understand what is and isn’t covered, as some valuable items or specific types of damage may require additional coverage or riders.

Myth 6: You Don't Need Flood Insurance if You’ve Never Flooded

Just because your home hasn’t flooded in the past doesn't mean it will never flood in the future. Climate change, urban development, and changes in weather patterns can increase the risk of flooding even in traditionally safe areas. Relying on past experiences can be a risky approach to your home’s protection.

Understanding the realities of flood insurance can keep homeowners informed and prepared. It's essential to look past the myths and make informed decisions to protect your property. Take the time to assess your risk, review your insurance options, and call us today to discuss a flood policy. Flooding can occur without warning and making sure you have the right coverage in place can be the difference between recovery and financial distress. 

Stay safe, informed, and consider how flood insurance could be a vital part of your financial safety net!

​When hurricane season arrives, protecting your home and belongings becomes very important. For those of us in Texas and on the Gulf Coast, one key step is to make a home inventory. This list helps you keep track of your things and makes it easier to file insurance claims if something gets damaged. Follow these steps to create a home inventory before a hurricane.

1. **Gather Your Tools**

Before you start, get these tools ready:

- A notebook or a digital device (smartphone, tablet, or laptop)
- A camera or smartphone for photos
- A measuring tape for larger items
- A checklist or template to stay organized

2. **Go Room by Room**

Start with one room and go through your entire home. This way, you won’t miss anything. Here’s what to do in each space:

- **Living Room:** List furniture, electronics, artwork, and decorative items.
- **Kitchen:** Include appliances, cookware, dishes, and food supplies.
- **Bedrooms:** Note beds, dressers, clothing, and personal items.
- **Bathrooms:** Write down toiletries, linens, and valuable accessories.
- **Garage/Basement/Attic:** Don’t forget tools, seasonal items, and storage boxes.

3. **Document Your Items**

For each item, write down these details:

- **Description:** Name and description (e.g., brand, model, year)
- **Condition:** State of the item (new, good, worn)
- **Value:** Estimated price or how much you paid
- **Serial Numbers:** Note serial numbers for electronics or appliances

4. **Take Photos and Videos**

Use your smartphone to take clear photos of each room and item. You can also make a video showing your home and describing items. Make sure the lighting is good so everything is easy to see.

 5. **Store Your Inventory Safely**

Once you finish your inventory, save it in a safe place. If it’s digital, store it in the cloud so you can access it even if your home gets damaged. If it’s on paper, keep it in a waterproof container or take it with you if you evacuate.

6. **Review and Update Regularly**

Keep your home inventory up to date. Review it regularly, especially after buying or changing items in your home. This way, your records stay accurate and useful.

7. **Check Your Insurance Policy**

After documenting your items, look over your homeowner’s or renter’s insurance policy. Make sure you have enough coverage for your belongings, especially high-value items. If needed, talk to your insurance agent for help.

8. **Prepare for the Storm**

Once your inventory is ready, focus on other ways to prepare. Secure your property, gather supplies, and make an evacuation plan if necessary. Having your home inventory handy will help reduce stress if disaster strikes.

Creating a home inventory may feel like a lot of work, but it is an essential part of getting ready for hurricanes. A good record of your belongings will help you if something gets damaged. Take the time now to protect your things and feel more at ease during hurricane season. Stay safe!

​June 1 marks the first day of hurricane season. Everyone from Texas to New York should stay weather aware during hurricane season.

Take time now to prepare your home and household for any severe weather that comes your way. Remember, hurricanes are not just a coastal problem; they can also affect inland areas with rain, water, and high winds. Plan ahead and help prepare for a hurricane with this handy checklist.

✓ Create an emergency preparedness kit.

Depending on the severity of the storm, you may not have access to food, water or electricity for days. Have an emergency kit for your home ready to go that includes non-perishable foods, personal and financial records, a first aid kit, battery-powered electronics and more. Check out our emergency preparedness infographic for a full list of items to include in your kit.

✓ Make a plan.
Have a meeting with all the members of your household to discuss your emergency plan. Designate one room to best protect you from high winds —a small, windowless room that is safe from flooding. If your home is in an area that is likely to flood, or if you live in a mobile home, plan to evacuate and find accommodations in a designated community shelter or at a friend or family's home.

Sign up for FEMA's text messaging alert system and your community's emergency alerts to be aware of severe weather warnings in place and the location of nearby shelters if advised to evacuate. Know your evacuation route and practice it often.

✓ Prepare your home.

Can your home withstand hurricane-force winds? There are plenty of ways to help protect the exterior of your home during severe weather. Before a hurricane makes landfall, remove any outdoor patio furniture, clear debris from your drains and gutters, reinforce your garage doors and consider installing hurricane shutters.

✓ Create a personal property inventory.

Having a record of all your valuable belongings will help you out significantly if you have to file an insurance claim. Find out what you should include in your inventory and the best way to record it here.

✓ Check your homeowners insurance policy.

Most homeowners insurance policies will cover the damages sustained in a hurricane, but not the floods that can follow. Review your insurance policy and speak with your independent insurance agent about what limitations your policy may have in place and make adjustments accordingly. Contact your agent early as some coverage may have a waiting period, also known as a qualifying period, before it can start.

Do you have flood insurance? Find a Foremost insurance agent near you that can help as you choose the right policy to protect your home.
​

As the vibrant colors of spring begin to blossom, it’s the perfect season for renewal and fresh starts. Beyond revitalizing our gardens and cleaning out our homes, spring offers an ideal opportunity to reassess one of the most essential aspects of our lives: our insurance needs. Just as we embrace growth and change in our surroundings, we should also take time to evaluate our coverage to ensure it aligns with our current circumstances. 

Why Assess Your Insurance Needs?

Life is full of transitions—new jobs, marriages, births, or even the purchase of a home. These changes can significantly impact your financial landscape and, consequently, your insurance requirements. Failing to periodically review your policies might leave you underinsured, overpaying, or worse, without adequate protection. Spring gives us a chance to reflect and make necessary adjustments to safeguard our future.

Key Areas to Consider

1. **Life Events:** Major life changes should prompt a thorough review of your insurance. For instance, if you recently welcomed a child, you may need to increase your life insurance or consider a new health plan to include your growing family. Similarly, marriage or divorce may lead to adjustments in both life and property insurance.

2. **Asset Changes:** Have you recently bought or sold valuable assets like a car or home? It’s crucial to update your insurance policies to reflect these changes. Additionally, consider whether you need additional coverage for new assets, such as jewelry or electronic devices.

3. **Health Changes:** As we age or experience health changes, our insurance needs may evolve. Review your health insurance plan to ensure it covers all necessary medical services. If you’ve developed a chronic condition, for example, you may need a plan with wider network coverage or better prescription benefits.

4. **Coverage Gaps:** Spring cleaning isn’t just for your home; it’s also time to clean up any gaps in your insurance coverage. Assess whether your current policies adequately protect you from risks like natural disasters, liability claims, or other unforeseen events. 

5. **Changing Financial Priorities:** Your financial goals may shift over time. If you are saving for retirement, the policies you had in place as a newlywed might not align with your current financial plans. Reevaluate life insurance and investment policies to ensure they still fit your financial strategy.

Steps to Reassess Your Insurance Needs

1. **Conduct a Policy Review:** Gather all your current insurance policies—home, auto, health, life, and any others. Take note of the coverage limits, deductibles, and premiums.

2. **Identify Changes:** Reflect on the life events and changes that have occurred since your last review. Make a list of any new priorities, assets, or needs that should be addressed in your insurance.

3. **Consult an Agent:** Don’t hesitate to reach out to an insurance agent for guidance. They can help clarify complicated terms and suggest coverage options tailored to your current circumstances.

4. **Compare Policies:** Take this opportunity to shop around. Comparing insurance providers can reveal better coverage options at competitive rates. Online tools and resources make this process easier than ever.

5. **Update Your Coverage:** After evaluating your needs and considering new options, update your policies accordingly. Ensure that all changes are documented and confirm that you understand your new coverage.

As we enjoy the renewal that spring brings, let’s not forget to reassess the things that protect us. Embracing a fresh start with your insurance needs allows you to better safeguard your future and bring peace of mind. Whether it’s through enhancing your coverage or eliminating unnecessary costs, taking the time for this important reassessment can lead to greater financial security.

Spring into action and review your insurance needs today! By doing so, you'll not only protect what you have but also prepare for the exciting changes yet to come.

As one of the most common crimes, burglary is nothing to be taken lightly. And unlike common belief, most of these burglaries happen in the middle of the day. According to the National Council for Home Safety and Security, break-ins are more likely to happen between 6AM and 6PM, right in the middle of the day!
With the fall season upon us and the holidays approaching, it is important to make your home safe from break-ins. While there are many safety recommendations out there, HowStuffWorks has covered the seven most effective.

Don't showboat.
If you've just purchased a pricey new computer or television, breakdown the box and place it in the garbage bin instead of leaving it on the curb for everyone to see. Also, take a walk around your house to see how visible expensive items are with the curtains open. You may want to move some of them out of view to avoid enticing thieves.

Pretend to be home.
A break-in typically happens when no one is home, especially during the day while many people are at work. For that reason, create an illusion that someone is still there. You can leave a light on, along with music or your television.

Secure sliding doors and windows.
You can easily break into some older sliding doors by simply popping them off of their frame, even when locked. It's harder to do that with newer ones, but you should still take extra precaution to secure them since they can be an inviting entry for burglars. Simply take a strong dowel, steel bar or two-by-four and slide it into the back groove.
Although you should always lock your windows before leaving the house, you can install a simple pin or nail into to the frame to stop it from raising more than a few inches. This will add an additional layer of security in case someone pops off the screen and you have left the window unlocked. Also remember to check window air conditioning units. If you can jimmy the window up from the outside, add a stopper to that frame.

Don't leave a spare key out.
It may seem like a good idea to leave a spare key hidden under a flower pot or doormat in case you get locked out of your house. But that's an open invitation for a burglar to walk inside without any difficulty. Instead, give a spare to a neighbor you know well or friend who lives nearby for safekeeping.
Remember to never put any identifying information on your house keys. If you lose them, and someone else finds them, it would be fairly easy to trace them back to your home and break-in.

Secure your yard.
Tall shrubs and overgrown trees are welcome hiding places for criminals to wait until the coast is clear to get into your house. That doesn't mean you need to cut down every plant in your yard. Just keep things manicured.

Prepare before vacation.
Alert neighbors you trust about your trip and ask that they keep an eye on your property during that time. More importantly, when you leave town, don't leave signs of an empty house. First, if you have a home phone, don't change your message to alert callers that you have left town. Also avoid having piled up mail, overgrown lawns and newspapers strewn about your yard that send surefire signals you're miles away. Last, but certainly not least, don't announce vacation on social media.

Lock it up.
More than 40% of break-ins happen without the use of force, which means a lot of people are leaving their houses without locking the doors and windows. If you have a thumb latch lock and a deadbolt on your doors, always lock the dead bolt. Double-check weaker doors such as patio and sliding ones to make sure their locks are strong enough to withstand kicks. When you leave your home, don't forget to lock up the door leading from the garage to inside. Even if your garage door is down, someone can easily open it.

Content courtesy for Foremost.com 

​As you purchase gifts this holiday season, don’t forget to protect any valuables you buy.  Make it a Happy and Safe New Year!

And as always, do not hesitate to reach out with any questions or for a complimentary coverage review. We’re here to help. 

​When it comes to protecting your home and belongings, understanding your insurance options is crucial. Two common types of coverage are replacement cost value (RCV) and actual cash value (ACV). 

To help clarify your options, we've prepared an overview of these coverages. Swipe through to learn more. 

Contact us today to discuss your coverage needs and find the best solution for your peace of mind.

​As 2025 kicks off, it’s the perfect time to refresh your homeowners insurance and make sure you’re fully covered against winter’s unexpected challenges! ❄️ 

With this in mind, we have put together a quick breakdown of what your policy should include. Have questions or want to discuss your options? Contact us today!

As you prepare to host your holiday celebrations, it's important to be aware of the potential liabilities associated with throwing parties at home. It’s equally as critical for hosts to then take steps to mitigate risks where possible. 

With that in mind, we are sharing a review of general liability information and key tips to keep in mind when hosting. 

If you have any questions about your liability as a host, please don't hesitate to reach out. Our team is here to help!

Today, we’re highlighting an essential coverage option that is perfect for commercial and residential construction projects: builders risk insurance. 

Swipe for more information, and give us a call with any questions or for a complimentary quote. We're here to help you succeed in your next construction venture!