Cristofer P. Pereyra / Insurance & Financial Services Agent PLEASE VISIT: theinsuranceexpert.wordpress.com FARMERS INSURANCE GROUP 5800 N 19Th Ave. Suite 216 Bus: 602-266-6446 Phoenix, AZ 85015 Fax: 602-293-3766 DONT KEEP ME A SECRET! Do you know anyone who needs AUTO, HOME, LIFE, COMMECIAL or BUSINESS insurance? Let me help. Tambien, HABLAMOS TU IDIOMA
All of us reside a significant portion of our lives in a home of some kind whether it be a one family house, a town house, condominium, an apartment or multi family dwelling. And these homes are filled with our personal belongings that we have accumulated over the years and continue to accumulate. Losing this home and/or the belongings in it would be catastrophic to our lives, emotionally as well as financially. A homeowner policy whether its for a house, town home, condo, or apartment can protect these items and much more from the various risks that can occur in ones life. The #1 mistake people make when shopping for home insurance is that they shop on price alone. Price or premium as we call it does not always equal coverage and not all homeowner policies are the same. Many have different endorsements, limits, conditions, and exclusions that only a licensed professional can educate and advise you on. Thats why using an independent agent is vital to your insurance protection, we can review and evaluate your exposure and offer you the coverage you need at a competitive price.
FEMA and the Insurance Information Institute are Urging All Homeowners to Consider Flood Insurance People who live near the coast or next to a stream are not the only homeowners threatened by floods during a hurricane. FEMA and the Insurance Information Institute say those who live further inland should be concerned too because wind and rain from hurricanes can cause massive inland flooding. In fact, 25% of flood losses occur to homeowners with low flood risk. Most of these floods are the result of runoff during a heavy downpour. Often there is no place for the water to go, the rain falls too fast for the ground to absorb or the ground is too dry. Just a few inches of water in the basement can cause $8-10000 in damage. Unfortunately, many homeowners mistakenly think floods are covered under their homeowners, but to be covered for flooding, you need a policy from the National Flood Insurance Program. This policy can be purchased through your insurance agent. If you would like to get an idea of how much a policy would cost and what your home’s flood risk is, visit the National Flood Insurance Program site at www.floodsmart.gov Produced for Insurance Information Institute