Contrary to popular belief, cutting out the middleman is not always a good thing!
In this day and age, there are many direct insurance companies who sell their services directly to you. These companies cut out the middle man and choose to cut out the insurance agent. The thinking behind this is that because you’re eliminating an extra person, the price will go down. However, that isn’t always the case. By dealing directly with the insurance company, a consumer may take on tasks that they may not realize even exist!
Why Use an Insurance Agent?
Using an independent insurance agent definitely has more pros than it has cons. From understanding your insurance policy down to the letter, to finding costs at prices you thought were impossible, independent agents are here for you. Contact the independent insurance professionals at Dave Turley Insurance Agency, for all of your many insurance coverage needs
Do you need flood insurance? Any home or business can be damaged by water incursions, even those located in a low to moderate flood risk area. If you have concerns about the possibility of flooding due to storm conditions, rising water, fast melting snow, mud, or other situation, putting flood insurance in place could, in the end, could save you thousands, tens of thousands, or more.
At Dave Turley Insurance Agency in Thousand Oaks, California, our local agents are here to help homeowners and business owners stay protected from flood damage to a property.
How Does Flood Insurance Work?
Many people have been shocked to discover that their homeowners’ insurance policy does not cover flood damage. Lenders require those who have a home in a high-risk flood zone to carry flood insurance. If your home is in the moderate to low-risk area, this coverage is likely optional – you make that decision yourself. The cost of coverage varies, depending upon where your home is located. Generally, if your home is in a low to moderate risk area, flood insurance coverage will be extremely affordable. It is worth getting the facts about this coverage – and our friendly local agents at Dave Turley Insurance Agency can help.
Why You Need Flood Insurance
Your homeowners’ insurance policy, in most cases, covers only specific certain weather-related damage, such as a case in which a falling limb damages the roof of your home and rainwater enters the structure, causing further damage. It does not cover water that enters your home by ground. You may believe your home is safe. About 20 percent of flood insurance claims come from lower risk areas – and homeowners who HAD policies in place. The average claim was in the range of $30,000.
Types of Flood Insurance
One of our agents can help you with what type of flood insurance you should have in place. You cannot purchase federal flood insurance without help from an agent – and all of us live and work right here in your community, and are always available to answer your questions or concerns. To determine how much flood insurance coverage you need, take these steps:
No matter where you live – assume your home is in a flood zone, and that you need coverage. There are a few private companies that may have policies available. Our team at Dave Turley Insurance Agency can help you find the right policy, and we always search for the most affordable price. Contact us for more information about flood insurance. We can help