Hurricanes, no matter how large or small, bring devastation. You especially suffer the brunt of tragedy if you are one of the unfortunate souls who loses your home during the heavy gusts of wind coupled with intense rainfall. With so much heartbreak involved in the aftermath of a hurricane, you want to make sure that your insurance policy is all-inclusive of damages to your Naples, FL home. The staff at Pro America Insurance can help you ensure that your policy is one that pays for expenses related to repairing and rebuilding after the devastation of a hurricane.
Does a standard homeowners’ insurance plan cover hurricanes?
The average homeowners’ insurance plan in Naples, FL may not cover every aspect of a hurricane. Flooding is a major factor that most basic assurance policies do not cover. You may find yourself out of luck, then, if the majority of damage incurred by a hurricane is due to flooding. Some homeowners’ insurance plans leave out natural disasters altogether, which means that a provider will not pay for anything upon getting wind that your losses are due to a hurricane.
What can you do?
The best homeowners’ insurance policies cover everything from natural disasters to fires. You should search your policy to see if there is an additional allowance for natural disasters and flooding. If no such notation exists in your paperwork, then you should contact your insurance policy provider immediately to learn about options for those living in areas where hurricanes frequent.
The agents of Pro America Insurance are happy to answer all of your questions regarding flood as well as natural disaster assurance. Call them today to go over the details of your current homeowners’ indemnity policy and to find the plan best suited for your lifestyle.
Purchasing insurance for your home is no piece of cake. For many of us, it’s the biggest asset we own, and we’d like to keep it that way. But in order to do this, you’ve got to be able to put your mind at ease by purchasing a solid home insurance plan.
As you make the rounds searching for a plan that works for you, make sure not to miss these commonly overlooked coverage options.
4 Overlooked Home Insurance Coverage Options
1. Personal Property Coverage
You might assume that your homeowners insurance simply covers all of your property, but this isn’t always true. You’ll want to get separate coverage for your most valuable items.
2. Property Damage Coverage for Natural Disasters
No one likes to think about it, but natural disasters like tornadoes and hurricanes do happen. To protect your home and your family, make sure you have coverage that covers these natural disasters.
3. Water Damage Coverage
Water damage is a leading cause of serious bills and financial loss. Don’t let your home go uncovered when it comes to water damage — especially if you’ve had trouble with plumbing or leaks in your foundation in the past.
4. Liability Coverage
Did you know that if someone was injured on your property, they may be able to sue you? It happens more often than you would think. Slips and falls on your sidewalk or accidents on your stairs can lead to serious injuries and cases against you. Having liability insurance with your home insurance will protect you from this.
Contact Pro America Insurance for Home Insurance
If you live in Naples, FL and are in the market for home insurance, let Pro America Insurance help you find a plan that works for you. We service the Naples, FL area and offer a wide range of coverage options. Give us a call today to learn more.
People living in the ocean community of Naples, FL are all too familiar with rising tides and intense storms. The threat of flooding and water damage from severe weather poses an imminent threat to your property, particularly during hurricane season. But many homeowners lack the strong coverage necessary to protect their property after losses. That may be because policy types and coverage needs can be confusing. Our Pro America Insurance professionals are here to help people in the Naples community. We’re available to answer questions and will work with you to create or update a policy to reflect your unique coverage needs.
It may come as a surprise that flood insurance is generally not a standard aspect of a homeowners policy. Another surprising fact is people that suffer losses due a natural disaster will not receive aid from the federal government. You could qualify for a disaster loan. But you will need to pay that money back with interest. Given Naples is a seaside community, it may be wise to update your policy to include flood insurance.
Water Damage and Mold
Many standard homeowners policies do not cover sudden water damage problems. These can range from flooding to a hole in the roof to a sewer pipe backing up into your home. Once this moisture gets in, it could start dangerous mold growths. Mold requires warmth, moisture and a good source. Construction materials meet the bill. Because mold growths are a water-related issue, be sure that you have adequate coverage. Remediation can be tremendously expensive.
Pro America Insurance proudly serves the people of Naples, FL. Our insurance professionals are available to review and update your homeowners policy to ensure it provides you with secure coverage.
People in Naples, FL get home insurance from Pro America Insurance for the same reasons that they get car insurance. If the home gets damaged or if someone gets injured on the property, the insurance will assist with the financial consequences. Home insurance is typically two different kinds of protection – liability insurance and hazard insurance.
This type of insurance will cover any personal liability for accidents that occur on the property. If your neighbor happens to trip on a water hose in your yard and breaks a hip, the liability insurance will pay for the medical expenses incurred, up to the limit of the policy.
Hazard insurance will protect you against unintentional destruction or damage to your home and its contents. This can include damage from things like:
• And more.
It can be used to cover the replacement value or the cash value. The replacement value will pay enough to replace what has been lost while cash value will pay as much as the property is worth. For example, the cash value for a $1,000 TV that is 5 years old will not be $1,000, because of the fact that things tend to depreciate with age, and this makes it worth less to the eyes of the insurer.
If you have taken out a mortgage on your home, you will need to have home insurance as a requirement for the mortgage. This is because the house will be used as collateral. Because of this, the lender will require you to purchase a minimum of hazard insurance, although you can buy more than that if you like.
If you are a home owner in the Naples, FL area and looking to either get home insurance or lower your rates, check out Pro America Insurance today.
No one ever thinks they will get water damage in their home in Naples, FL but it can happen in a variety of ways. While you may not be able to prevent it completely, you can take steps to prevent it from happening to you in some occurrences. Use these tips from Pro America Insurance to better protect your home.
- Water your water bill. You likely already know what your normal usage is for your water and the amount you should pay every month. Unless there is a reason for your bill to be higher, you should get suspicious if the bill is higher than normal. It could mean there is a leak somewhere and you will want to investigate it before it becomes and even bigger problem.
- Never pour grease down your sink. While this may be the easiest thing to do when you are cooking, you could be doing more harm than good. Even if you pour it down with hot or cold water, it can cause buildup or a blockage that can lead to bigger issues later.
- Be careful where you plan trees. Trees are gorgeous and you likely want to have them in your yard but before you plant anything, make sure the tree is out of the way of pipes both now and in the future.
There is never a 100 percent guarantee that you will not get water damage in your home but by taking these steps, you can lessen the percentage of it happening. To even better protect yourself, you need a great home insurance policy that incorporates a water damage clause. Contact Pro America Insurance serving Naples, FL for more information and to get a free quote. Taking this step can help save you money, hassle, and more.
Are We Going With a Disc Jockey or Live Band?
Before you make your guest list give us a call.
You agreed, albeit reluctantly, to let your cherished niece have her wedding ceremony and reception in your extensive and meticulously groomed backyard. Should you give a call to your insurance agent at Progressive Insurance Agency Inc. a call? We are so glad you asked and the answer is a a resounding yes! Let’s face it we enjoy a good life of sun and fun in Naples, FL where almost anytime of the year is a great time to have an outdoor wedding. Before you send out the invitations, however, give us a call.
Many people are going with the option of having their wedding and other special occasion events right in their own backyard. For all of the pros of this decision: the biggest one is saving MONEY. You want to make sure that a little money saved on the outset is not a lot of money spent on the back end of this decision. There is a lot to think about.
Consider What You Are Undertaking
Did you know that many wedding venues today ask the bride and groom or whoever is financing the wedding to take out a special arm of insurance for the event? This is an added protection for the venue owner in case one of your guests injure themselves at your event. In other words the financial backer of the wedding is then liable for any injury that may occur.
We understand the liability involved in the joyous occasion at Progressive Insurance Agency Inc. in Naples, FL. Please contact us directly to discuss the details before the "I Do’s"
If you are moving into a new home, you undoubtedly know how time-consuming it can be, especially if you have a large amount of personal belongings. From clothing to furniture to electronics like TVs, getting moved in and settled in sometimes takes more than a few days. Fortunately, though, there are several tips you can follow to make your transition and moving process into a new home much simpler and as stress-free as possible.
1) Label ALL boxes
It cannot be stressed enough the importance of labeling all boxes when moving. If you don’t, this will lead to much confusion when moving into the new home. If the boxes are labeled, this not only helps keep track of what is stored in each of them, but it also simplifies putting the boxes in the right rooms as soon as you are moving in; this decreases the amount of time you have to go from room to room looking for certain items.
2) Give items away
That’s right. If you come across items that you don’t use or need, give them away before storing them in your new home; this will help cut down on clutter and it will make the moving in process much simpler. Ideally, you will want to give these items away while packing them up instead of when unpacking them.
3) Get professional help
Another great tip to follow when moving into a new home is to pay for professional help if you don’t have the time to move yourself. Professional movers know the ins-and-outs of moving, including how to pack and unpack in the most time-efficient manner possible.
To learn more about moving into a new home and protecting it with the right insurance policy, contact Progressive Insurance Agency Inc. serving the Naples, FL area.
Naples, FL has some truly beautiful homes, and its beautiful weather and proximity to the ocean means that those homes are likely to increase in value. While home insurance may seem like just another bill you have to pay, it’s worth remembering that there are far more reasons to appreciate it rather than resent it.
1. Keeping Your Investment
Home insurance is what saves you from having to make all of the repairs after harsh winds or rains come tearing through your neighborhood, or having to replace your possessions should you be targeted by thieves or vandals. Naples, FL is a very attractive town to criminals, and having the right protection can be crucial to keeping the value of your property alive.
2. Giving You a Light in the Storm
Quite literally, insurance gives you someone to talk to when you feel as though you’re not quite sure who to turn to. Insurance is only needed during the difficult moments of life, so it’s necessary to have a support system that can work for you. Insurance may not provide you a shoulder to cry on, but it will give you some sense of direction when you need it most. There are a lot of details to consider, and the emotional factors if it all often cause people to make mistakes.
3. Someone to Trust
Progressive Insurance Agency Inc. has the staff who understand the city, and what you need to do to make yourself safe from all that could lie in store for you. Not only will you have a resource when things go wrong, but you’ll also have someone to give you the facts before anything happens. If you want to learn more about our services, or are just price shopping right now, we’re ready to chat with you about the many ways home insurance can work for you. Give Progressive Insurance Agency Inc. a call for more information today!
Preparing your home in Santa Monica is easier than you think. The fall months can involve different weather patterns, as well as use of different things in your home. A simple checklist can ensure you don’t forget anything and even provide you with a few chores you wouldn’t have thought about.
Schedule an HVAC Inspection
You have probably been using your air-conditioning a lot throughout the summer. Whether you plan on turning the air-conditioning off and allowing the cool weather to blow through your windows or you plan on turning on the heat, you want to schedule an HVAC inspection. This way, a technician can ensure that your system is running at peak performance.
The gutter should be clean, whether you do it on your own or hire a professional. This way leaves and other debris can be cleared out. Without doing this, additional leaves could fall in, and you could run into issues where rust and corrosion forms.
Have Gas Inspected
If you have a gas furnace or anything else powered by gas, be sure you have the gas lines inspected. This way, as you begin using them on the cooler nights, you can be confident that all is working properly.
Check Your Home
Now is the perfect time to check your home for possible fire hazards. You should also change out the batteries on smoke detectors and ensure that you have fire extinguishers throughout the home.
A little bit of preparation can go a long way. When you take the time to go through your home, you will have less to worry about. You can also enjoy peace of mind throughout the fall and into the winter.
Learn more about how to protect your Naples home by contacting Progressive Insurance Agency Inc. today.
Moving may be a big job, but it doesn’t have to be stressful. If you plan things out careful and put some effort into organizing and streamlining the moving process, your upcoming move should be a breeze.
The following are four helpful tips that you can take advantage of to make your move more manageable:
- Take inventory of what you have- The first step to an organized move is to take inventory. Remember that it’s much easier to go from item to item on paper than it is to move between the actual items. If you get everything on paper, you can easily create an outline for your move that allows you to find the best options for the order and manner in which you move things.
- Get together a packing kit- Getting together a packing kit that includes permanent markers of different colors, scissors, tape, notebook paper, and writing utensils will make organization tasks easier.
- Clean out expired items or items that are no longer wanted- A move can offer the side benefit of giving you the opportunity to throw away items that are just taking up space. Clean and pack at the same time.
- Do things yourself to maximize efficiency- Having help is great, but it might leave you clueless as to where everything is after the move. It also might make it so that you’re constantly having to field questions about where things should go.
If you have questions about a home or renter’s policy for your new home, contact Progressive Insurance Agency Inc. to get the information you need. Progressive Insurance can help you to either set up a new policy or review a policy you already have.