Hurricane Sandy - Lessons Learned - Flood Insurance,car insurance

Sadly Sandy caused much damage to homes, cars and businesses. What can you do?
Flood insurance! your homer or business should have flood insurance, Wind or Hurricane insurance does not as in never cover you if a flood occurs only flood insurance does!

Car Insurance - flood is covered ONLY with comprehensive coverage (usally written with collison coverage. Did you see all the cars underwater?

Dont lose your investment, people in the NE never expected a flood, neither do you?

get covered the right way!

Business Insurance - profit maker!

Liability insurance, commercial property insurance, workers compensation, bonds . if you're not covered you stand to lose business. Having business insurance protects you and allows you to do business with a larger market. With business insurance you can market your products and services to those who require you to have insurance. Contracts, leases and bids do require. You don't want someone else getting your market share do you? Get covered now and beat your competition!

Insurance Renewal - should I wait?

You do not as in never have to wait for your renewal date to shop or
change your carrier, in fact if you switch any premium you paid will be
returned to you

Is my Rolex covered for theft and my Tiffany Lamp?

Well the truth is that most home insurance polcies limit the amount of
what you can receive, let's just say it's 1500 dollars.  Is that emough?
NO of course not any jewelry,fine art or colelctable SHOULD be covered
under a Personal Articles Floater (PAF) to insure full repalcement value
if stolen from your home. Maybe you do not have a Rolex@ or Tiffany @
(trademarks) but you may have something worh over 1500 dollars and need
a PAF.

Car Insurance Liability and Umbrella's

Do you know you can maintain a 100/300 auto liability and get an
umbrella worth 1,000,000 in coverage? What's the advantage? lowers your
car insurance and increases your liability coverage. use this
combination, ask me to quote and save some money!

Citizens Take Out

Yes you can take the Citizens "take out" option and not face up to 45% surcharge, if the premiums go up with the take out company you can always change back to Citizens