How to Get Flood Insurance That Covers Your Valuable Possessions

If you live in an area that is prone to flooding, you will likely want to get some kind of insurance coverage. Since this type of insurance is not part of standard homeowners’ insurance, it will need to be purchased separately. You may even be required to have flood insurance if you have a mortgage and live in a flood zone. It is crucial to understand different types of coverage and what is included in the policy when purchasing insurance. Singh Insurance and Financial Services, LLC of Clermont, FL can help you choose a policy that will help cover damages and loss of valuable possessions. 

Coverage for Your Possessions

Floods can devastate your home, and high-value possessions are susceptible to loss and damage in the event of this disaster. The best reason to get private insurance is that claim limits can be higher. If you have many valuable possessions and they are worth $100,000 or more, this type of insurance can make good sense.

Shorter Wait Time

Another reason that choosing a private insurance company can be beneficial is that the wait time can be shorter for insurance to become active. Typically, private insurance is effective 14 days from purchase, whereas the government NFIP insurance can take 30 days to activate.

Choosing the Right Policy

You can get flood insurance in two ways: through the National Flood Insurance Program and a private insurer. There are pros and cons to consider, so it is best to learn about these types of insurers.

If you are in need of quality flood insurance, the agents at Singh Insurance and Financial Services, LLC of Clermont, FL are here to help. Give us a call today to set up an appointment with one of our representatives.


3 Reasons to have Comprehensive Auto Insurance in Florida

Insurance regulations vary from one state to another, and it is important that you have the right knowledge and the information on hand so that you can make an informed decision about what type of insurance you need on your vehicle in the State of Florida.

Despite the fact that Florida law requires all licensed drivers to only carry minimum personal injury protection and liability insurance as it’s a no-fault state, here are a few reasons to have comprehensive insurance on your vehicle.

1.     Florida’s Weather is Unpredictable

While the state has the reputation of having beautiful weather year-round, it’s not always sunny and breezy in Florida. The state gets more than its fair share of rainfalls and thunderstorms too. The state also has an official hurricane season – from June to November – and tornadoes are common here too. On average, Florida gets about 55 tornadoes every year.[1]

All these climatic factors significantly increase the chances of vehicle damage.

2.     The State Receives a High Number of Tourists

The wide array of tourist attractions make Florida one of the most visited states in the United States. The state receives millions of tourists every year from all over the world. The majority of them are likely to be unfamiliar with local laws and routes.

With all the tourists driving around the state, fender benders are a common occurrence; and they may not necessarily hit your car while you are on the road.  

3.     Crime Rate in Florida Is Higher Than The National Average

There’s only a slight difference in the national average crime rate and that of Florida. The fact that the state’s rate is higher in both violent and property crimes is enough to make a person want to secure themselves and your properties.

All these factors can cause Floridians to suffer from vehicle damages that basic auto insurance doesn’t cover. This is why it is wise to get a comprehensive (full-coverage) insurance for your vehicle. It may cost higher, but it’s worth paying the extra money than having to bear repair expenses that can go up to thousands of dollars.

Comprehensive and collision coverage may be required when you have a loan out on your vehicle. Try our online rating tool to acquire a quote on home or auto insurance.

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