Why Do We Need Flood Insurance In Southwest Florida

Things You Need to Know Before Buying Car,House, Health & Life Insurance online.

Insurance Buying Tips #1: Shop smart
When looking for insurance, your No. 1 priority should be to find adequate coverage. Price is important, but you’ll want to determine what kind of coverage you need first. Then you can fit that coverage into your budget and determine which carrier can provide you with the most comprehensive policy for your situation. You may be tempted to choose insurance with the lowest price tag, but if you don’t have enough coverage (or the right kind of coverage), you will see less financial benefit when it comes time to file a claim.
Insurance Buying Tips #2: Look for discounts
Once you evaluate your coverage needs, factor in your budget and find ways to save. Ask your insurance agent if there are any discounts on your coverage. Often, carriers offer discounts for things like paying your policy in full, staying auto accident-free or, if you’re in school, getting good grades. You also can save money by “bundling” multiple policies, such as purchasing a home and auto policy from the same carrier.
Insurance Buying Tips #3: Fill in the gaps
An average policy will cover the basics, but you may need to add extra coverage to meet your unique needs. For instance, you may have items like electronics or a nice piece of jewelry that would be financially difficult to replace, even with the assistance of your average renters or homeowners policy. You may want to add additional coverage for these items.

Calamities happen frequently nowadays and we can do nothing to stop it. Storms, hurricanes, tornadoes, hurricanes and earthquake are some of the natural disaster or calamities we experience. Storm and hurricanes are what most of us had experience and it comes with flood due to heavy rain. Flood is very dangerous and can cause death if we are not prepared. Flood sometimes contains woods, logs, eroded soil and who knows what. When this calamities and natural disaster happens, it is important that we are ready in terms of financial matter. We cannot avoid them the best we can do is prepare for it. Being insured is very important in today's generation.

There are question lingering and we want to ask when we are offered an insurance policy. Some of this question are, first, why or when do i need it? Second, are you a reliable insurance provider? Third, who's capable of having it? There are more question that we all want to ask but most of the time the answer or the quotes we get are not just for us. Sometimes we turn down the offer because we cannot afford it or we already have one. John Perry Insurance is an independent agency and have multiple access to different insurance provider. Being an independent agency we can quote and compare your information with each company to provide you the best policy you can have and the best rate possible.

Insurance Buying Tips #4: Purchase life insurance—you aren’t too young
Life insurance is essential, no matter how young or old you are. And for millennials, buying now may be a smart move because it’s cheaper to buy a life insurance policy when you’re young and healthy. This kind of insurance can help your family cover unexpected costs in your absence, including student loan debt or a mortgage, in addition to end-of-life costs. And if you have kids, a life insurance policy can also support their education or childcare expenses. Additionally, every millennial should consider long-term disability coverage, which helps you stay afloat financially if an accident happens and you become disabled and unable to work.
Insurance Buying Tips #5: Talk to an independent agent
An independent insurance agent is an essential resource when purchasing insurance—especially if this is your first time. An independent agent works with multiple different carriers, which is different from captive agents who can only sell insurance from the carrier they work for. Working with an independent agent can help make sure that you are getting the best coverage, for the best price. You’ll also benefit from independent agents’ insurance knowledge; they know how to talk you through your options and actually explain what each policy includes. An independent agent will make sure all of your assets are covered, help you find discounts or other ways to save, and be a valuable resource as your life changes and your insurance needs change, too.
Insurance Buying Tips #6: Only buy insurance to maintain your existing standard of living
You don’t need insurance for events that won’t severely strain your finances. Start with your basic needs (home, auto, business), then work your way to include other needs (cyber, liability). You can always obtain coverage later for something if you change your mind. You can minimize your risk and maximize your savings by buying insurance that won’t cause you to break the bank.

John Perry Insurance is servicing Bonita Springs, Cape Coral, Clewiston, Fort Myers, Labelle and Okeechobee. Flooding is the number one and highest natural disaster in the United States. Just a couple inches of water can lead to water damage and will cost you more. Water damage can sometimes be dangerous since it can bring diseases and be a breeding ground for viruses and mold. The team at John perry Insurance are experience in preparing the right flood insurance policy to cover the unexpected devastation. In most cases, it's your flood insurance that even would cover such disasters as even a sewer line backing up into the house. Call us 863-777-4966 today for a consultation and quote.

We have offices located in Clewiston, Labelle, Fort Myers and Okeechobee. If you are located in Clewiston you can call 863-777-4966 or visit our office in 1008 W. Sagamore Ave., Suite 1. For Fort Myers you can contact us at 239-204-3211 and walk in our office at 5240 Bank St., Ste 3. Our office in Labelle is open from Monday to Friday from 8:00 am to 5:30 pm visit us at 10 Bridge Street or call 863-588-7336. Our Okeechobee office is also open from 8:00 am to 5:00 pm. You can drop by 3553 Hwy 441 South or give us a call at 863-824-5393.

Insurance Buying Tips #7: Ask your insurance provider what the policy doesn’t cover
Every insurance policy has perils that are not covered by your policy. These perils are referred to as “exclusions”, and every policy has them. Ask your insurance provider to explain the exclusions in your policy to avoid discovering what they are once you incur damages or a loss.
Insurance Buying Tips #8: Consider bundling several policies with one insurance carrier
here may be value in bundling several policies with one insurance carrier. If you’re looking to insure multiple vehicles or obtain multiple types of business coverage (e.g., liability, property, cyber), then you may want to consider obtaining coverages under one insurance provider who carries multiple products, and who may be able to offer you multi-policy discounts or loyalty programs.
Insurance Buying Tips #9: Review your insurance needs on a yearly basis
As your needs evolve, so will your insurance policy. Maybe you’ve acquired a new vehicle since obtaining auto insurance for your primary vehicle, or started operating your business out of your home, or experienced a cyber-attack during the year… Whatever the change(s), you’ll want to make sure you’re covered for any new risk exposures. Talk to your insurance provider to stay on top of your insurance needs.
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