Month: August 2019

Do I Really Need Flood Insurance

Posted on by agentinsure

Inlet Beach, FL residents understand the risks associated with hurricanes, but many underestimate the potential for flood damage. The agents of Dune Lakes Insurance have the experience you need to help you find the right policy to protect your home and property. Flood insurance is one of the most overlooked policies on the market but could save you thousands of dollars if your home is damaged by floodwaters caused by hurricanes or heavy rains.

Risk of Flooding

Your risk of flooding increases dramatically if you live in a floodplain. Floodplains are areas of land that are situated near bodies of water. A floodplain is where excess water flows to when it overflows its natural boundaries. Along the coast, rivers, ponds, and lakes all have floodplains that extend outward from their banks. The closer you live to the shore, the higher your risk of water damage.

Better Safe Than Sorry

People will often turn down the option for flood insurance because there is a little history of flooding near their home. For many, it’s better to be safe than sorry where flood insurance is concerned. Living near a floodplain means the potential for damage is always present, even though it may not happen often. It only takes one incident for you to lose everything you own.

If you live in Inlet Beach, FL, call the agents of Dune Lakes Insurance today and ask them about their flood insurance policies. They can provide you with valuable information that will allow you to choose the right flood insurance policy to protect your home and your belongings. Schedule an insurance audit today to get the coverage you need!

Why are You Required to Have Home Insurance?

Posted on by agentinsure

Home insurance is something that every homeowner needs and that can make a huge difference in how easy it is to recover your life after your home faces disaster. Home insurance covers a great deal and there are some cases in which you are required to have home insurance and knowing what they are can make a big difference in your overall policy. For those that live in the Inlet Beach, FL area, the agents with Dune Lakes Insurance can help you to get the right policy for you.

Home insurance is not required if you own your home outright and have no liens, claims or mortgages out against the home or the value of your home. The reason that you are required to have home insurance is so that the bank or another lending agent that has loaned you money for the value of your home can get their money back should your home become destroyed or no longer be worth the money that they loaned you. This is to protect the bank and to make sure that if something does happen to your home, the bank is not going to be out the money and you are not going to have to find the money on your own.

This is also to help make sure that if something does happen, you are going to be able to collect money and recover from the disaster. Home policies are for the value of the home as well as the value of the contents so that you are not without any recompense if something does happen. For those that live in the Inlet Beach, FL area, the agents with Dune Lakes Insurance can help you find the home insurance policy that works for you.