Monday, October 22, 2018


Big news!  Beginning October 1, 2018 FEMA implemented additional changes to the National Flood Insurance Program (NFIP) allowing policyholders who purchase a private flood insurance policy to cancel their duplicate NFIP policy.

So what is private flood insurance?  FEMA has established incentives for the private market to ease its risk burden.  We now have very competitive, A-Rated, private flood insurance companies that offer flood insurance without all FEMA required documentation.  That’s right, you might be able to buy a flood policy, even without an Elevation Certificate, for less money than the NFIP.  Quoting is quick and simple.  Give me a call and I’ll quote your new flood policy today.  239-593-1498


Homeowner’s policies have a liability limit.  Most are capped at $300,000.  Some insurers allow increased liability coverage to $500,000.  So what happens when you need more?  Do you have assets valued in excess of your homeowner’s policy liability?  Maybe you should consider an umbrella policy.

An umbrella liability policy is a separate insurance policy that blankets both your homeowner’s and automobile policies.  The coverage has a much higher limit than the home or auto policies and goes above and beyond claims directly relating to your home and auto. The main purpose of an umbrella policy is to protect your assets from an unforeseen event, such as a tragic accident in which you are held responsible for damages or bodily injuries.

I represent one of the finest umbrella insurance companies in the country a typical $2 million policy costs less than $500 annually.  This a small price to pay for the peace of mind that an umbrella policy offers.   Call me at 239-593-1498.