Have you recently received a letter from the Henderson City-County Planning Commission (HCCPC) stating that all or a portion of your property has been mapped into a higher risk zone, known as a Special Flood Hazard Area (SFHA)? Do you know what this means or what you need to do now? Hopefully after reading this blog you will be better informed to address your current … [Read more...]
Why did my insurance go up from 2 cars to 1 car?
The companies give a multi-car discount that lowers the premium of each car around 20%. So when you go down to one car, that discount is removed. Factors relating to the way the company averages out the age of the drivers makes the calculation more complicated. Your policies have uninsured-under-insured motorist coverage that protects you from drivers who hit you and cause … [Read more...]
New Car Smell – Is it toxic?
Have you ever wondered what that new car smell is? Based on some recent research, you may be surprised to know the composition of chemicals / toxins that make up that smell. You can research the best & worst vehicles in relation to the health hazard posed by those smells. In our line of business, we often times have clients that purchase new vehicles. Even though this … [Read more...]
Do you own vacant land?
What is vacant land? This question comes up occasionally. If it is truly vacant land, your homeowners' policy could extend automatic coverage for liability. Few plots of ground would be considered vacant per the ISO definition, which is “any land on which there exist no man made structures”. There can be no roads, fences, poles, structures, etc. If you have vacant … [Read more...]
Snow and Ice and How NOT to Drive
Winter has been a little off this year with the warm days and thunder storms, but the slick roads have arrived. You should be thinking about the route you take now, so that you can plan your route to avoid known trouble spots. I like to lay out my route to try and avoid routes that will take me on a hill or sharp curve. You may have to go a little out of your way, but if … [Read more...]