As hurricane season approaches we want to remind you that hurricane preparedness is of the utmost importance. Hurricane Sandy, the second costliest storm in U.S. history causing an estimated $50 billion in damage certainly show how devastating a storm can be and reminds us that we should not be complacent, but be prepared for severe weather events. We urge you to take the time to put together your personal hurricane kit to protect your family and property in the event that a storm impacts us this year.
In addition to preparing for the safety of your family, it is a good time to review your homeowners policy with us to make absolutely certain that you have the coverages you need to protect your property.
Replacement Cost - the differences between the replacement cost of your home and its market value in today's economy is a prevalent topic of discussion. With today's depressed market values, it i even more important that your Homeowners Coverage A limit is insured for 100% of the replacement value of your home.
Deductibles - your homeowners policy has two deductibles, one for 'all other perils' (AP) and one for 'hurricanes' or it may be for all 'wind damage.' Your MPIUA policy will have a higher deductible for any 'wind' damage. But your UPC Insurance policy would have a 'Hurricane' deductible that applies only during a 'named hurricane.' Otherwise, your lower 'all other perils' deductible would be applied.
Flood - we want to remind your that your homeowner's policy does not cover flood. Should a storm occur and your property becomes flooded, in order for you to have coverage you must have a separate flood policy.
Rental Home Insurance
Rental Condo Insurance
Personal Umbrella Policy
Off Road Vehicles
Motor Home Insurance
Mobile Home Insurance
Travel Trailer Insurance
Boat & Yacht Insurance
Jet Ski Insurance
Apartment Building Insurance
Condo / Condominium HOA Insurance
Lessors Risk Insurance
Commercial Real Estate
Office Building Insurance
Business Owners Policy Insurance (BOP)
Commercial General Liability Insurance (CPP)
Business Auto Insurance
Real Estate E& O
Errors & Omissions Insurance
Term Life Insurance
Universal Life Insurance
Whole Life Insurance
Group Life Insurance
"Key Man/Woman" Insurance
This blog is intended to promote local events, businesses & non-profit organizations through out our network.
Proudly doing business in the following Cape Cod, Massachusetts towns and villages: Barnstable, Bourne, Brewster, Buzzards Bay, Centerville,
Chatham, Cotuit, Craigville, Dennis, Eastham, Falmouth, Harwich, Hyannis, Hyannisort, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown,
Sandwich, Truro, Wellfleet, Woods Hole, Yarmouth, Yarmouthport