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PERSONAL INSURANCE

Learn The Facts, Then Consider Flood Insurance

     Have you considered buying flood insurance?

 

     Before you answer “no” and add, “Why would I need that?”  or “I don’t live anywhere near a river!” you should know that many home and business owners have offered similar responses and then gone on to suffer uninsured flood damage.

 

     Before you decide not to purchase flood insurance, you owe it to yourself to learn some facts:

 

·         A little water can cause a lot of damage.  According to the FEMA-sponsored website FloodSmart.gov, only 3 inches of water in a 1,000-square-foot, slab construction home can result in damages of over $11,000! Put that 3 inches in a finished basement and the cleanup costs alone can run you more than $5,000.

 

·         You don’t need to live on a riverbank to get flooded.  Many floods occur far away from a body of water.  Water flowing down an incline, pooling in a low-lying area or unable to enter a blocked storm drain can find its way into your home or building.

 

 

·         Flood insurance can be inexpensive.  If your home lies outside the floodplain and has a slab foundation, you can purchase enough coverage to pay for your cleanup costs and minor repairs for as little as $129 a year. Homes with crawlspaces or basements will pay only slightly more.

 

             Please don’t go unprotected against flood damage without learning the facts about your risks and coverage options.  Be informed.  Be protected. Contact our office to talk about flood insurance. Carlisle Insurance Agency in Jackson, Oh 740-286-5031 www.carlisleinsagency.com carlisleagency@hotmail.com

 

 

The Risk Of Flooding Is Real

PERSONAL INSURANCE

The Risk Of Flooding Is Real; Don’t Gamble Anymore

     A recent survey of a Vermont town affected by the recent Northeast flooding found that 80% of the people suffering a flood loss did not have the funds to repair all of the damage they received.  Between 2001 and 2010 the average loss paid by the National Flood Insurance Program (NFIP) was $48,000. 

 

     Because most homeowners policies do not cover flood losses, would the average flood loss—or even a smaller flood loss— cause you a significant financial burden?  If so, a flood insurance policy can help.  A flood insurance policy can provide up to $250,000 in structure coverage and up to $100,000 in contents coverage for homeowners.   Renters can purchase up to $100,000 in contents coverage.

 

     You can buy flood insurance no matter what your flood risk.  Almost anyone in a community that participates in the NFIP can purchase coverage.  There are very few exceptions. 

     You do not need to live near water to be flooded.  Many people affected by flooding live miles from the nearest river or ocean.  Floods are caused not only by storms and hurricanes, but also snowmelt, inadequate and overloaded drainage systems and even broken municipal water mains.

     Flood insurance is affordable.  Homeowners in low-risk areas can purchase $20,000 in building and $8,000 in contents coverage for as little as $129 a year.  Even a small amount of flood insurance can help reduce the burden of a potential flood loss.

   

     Do you think a flood can’t happen to you?  That’s what the people in the Vermont survey thought.  They gambled and lost.  Some of them may never recover.   Don’t let that happen to you.  Please contact our office and we will be happy to discuss your flood insurance options.

Flood Insurance

Shedding Light On Car Insurance Savings

Carlisle Insurance Agency

Shedding Light On Car Insurance Savings

It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency; Carlisle Insurance Agency can help! We can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:

• Ask us to check several companies’ rates. This is the single most important thing you can do to get the best possible rate—and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars.

• Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.

• Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium.

• Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to check.

• Don’t assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Let’s talk about it.

To learn more about all an independent agency can offer you, call Carlisle Insurance Agency at 740-286-5031 or visit www.carlisleinsagency.com or www.progressiveagent.com.

Michael Carlisle

Carlisle Insurance Agency

659 E. Main St. Suite A

Jackson, Oh 45640

Grange Insurance is now available at Carlisle Insurance Agency in Jackson, Oh. Call us for a free Home, Auto, Life, Business insurance review. "Helping You Protect What Matters Most Since 1890"

Carlisle Insurance Agency
213 E. Main Street
Jackson, Oh 45640
740-286-5031http:\\www.carlisleinsagency.com