Your home insurance, flood insurance, and wind coverage should work together—not leave gaps. Unfortunately, many homeowners have separate policies that don’t align. Why It MattersEach policy may have different deductibles, exclusions, or claim processes. If you’re not coordinating them properly,…
After a hurricane, the last thing you want is confusion or delay in getting help. Understanding the claims process ahead of time can make all the difference in a quick, successful recovery. Why It MattersHurricane claims can be complex—especially when…
Do you own a second home, vacation rental, or short-term rental property? These homes carry unique hurricane-related risks—and often have insurance gaps that primary homeowners don’t face. Why It MattersInsurance policies for secondary or rental properties are structured differently than…
Mitigation isn’t just about safety—it’s also about savings. Coastal homeowners who take proactive steps to reinforce their homes may benefit from lower insurance premiums and better storm protection. Why It MattersInsurance companies reward homes that are built or upgraded to…
When a hurricane is approaching, it’s often too late to make major insurance changes. That’s why preparation—well before the season starts—is crucial. Why It MattersMost insurance carriers will place binding restrictions once a storm is named or within a certain…
Most people think about protecting their home during hurricane season—but what about your car? Why It MattersFlooded cars are one of the most common hurricane-related claims, and not all policies cover this type of damage. Only comprehensive auto insurance includes…
Flood zones are more than just letters on a FEMA map—they’re critical factors in determining your risk, insurance eligibility, and premiums. Why It MattersYour flood zone classification affects whether you’re required to carry flood insurance, how much you’ll pay, and…
Water damage is one of the most common—and misunderstood—insurance claims in coastal areas. Not all water damage is created equal, and not all of it is covered by your homeowners insurance policy. Why It MattersMost homeowners insurance policies cover sudden,…
Many homeowners believe they don’t need flood insurance because they’re “not in a flood zone.” That couldn’t be further from the truth…. Why It MattersTechnically, every property is in a flood zone…homeowners that say they are “not in a flood…
As hurricane season approaches, coastal homeowners in South Carolina, Florida and other states across the Southeast need to take a close look at a critical piece of their insurance policy: the wind and hurricane deductible. These specialized deductibles are common…