Now Is A Good Time To Start Your 2018 Insurance Planning

insurance-1337564_640When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

Items To Consider (you may need insurance for some of these)

  • Bought a new car or sold a car
  • Changed your marital status
  • Bought a boat, RV or ATV
  • Change of address
  • Welcomed a new baby into the family
  • Major inheritance
  • Have a new teen driver in the family
  • Child headed off to college
  • Purchased second home
  • Planned foreign travel
  • Started a home based business
  • I now drive my personal car for work

Personal Insurance

  • Review my insurance to make sure I have the right coverage
  • Take the time to read my insurance policies
  • Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?
  • Make sure I have identity theft insurance
  • Do I have enough life insurance?
  • Do I need life insurance for my spouse?

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

 

 

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Are You Prepared For The Next Flood? Part Three

freec tHistoric storms in the Gulf of Mexico, such as Harvey, Irma and Maria have emphasized the importance of homeowners securing flood insurance through the National Flood Insurance Program (NFIP).

NFIP: The City of Punta Gorda participate in the National Flood Insurance Program (NFIP). The NF P makes federally backed flood insurance available for all buildings, whether they are in the floodplain or not. Flood insurance covers direct losses caused by surface flooding, including a river flowing over its banks, a lake or ocean storm, and drainage problems.

The NFIP insures buildings, including mobile homes, with two types of coverage: structural and contents. Structural coverage is for the walls, floors, insulation, furnace, and other items permanently attached to the structure. Contents coverage may be purchased separately provided contents are in an insurable building.

Mandatory Purchase Requirements: The mandatory purchase requirement applies to all forms of federal or federally related financial assistance for buildings located in a Special Flood Hazard Area (SFHA). This requirement affects loans and grants for the purchase, construction, repair, or improvement of any publicly or privately owned building in the SFHA, including machinery, equipment, fixtures, and furnishings contained in such buildings.

How it Works: Before a person can receive a loan or other financial assistance from one of the affected agencies or lenders, there must be a check to see if the building is in a Special Flood Hazard Area (SFHA). The SFHA is the base (100-year) floodplain mapped on a Flood Insurance Rate Map (FIRM). It is shown as one or more zones that begin with the letter “A” or “V”.  Flood Insurance is a valuable tool in the protection of your home.  Can you afford not to have this insurance?

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

 

 

 

 

Are You Prepared For The Next Flood? Part Two

flood bf 567Historic storms in the Gulf of Mexico, such as Harvey, Irma and Maria have emphasized the importance of homeowners securing flood insurance through the National Flood Insurance Program (NFIP).

Flood Hazard Zone…Know Your Location

Flooding and other surface drainage problems can occur well away from a river, lake, or ocean. If you are looking at a property, it’s a good idea to check out possible flood hazards before you buy. Here are some reasons why:

  • The force of moving water or waves can destroy a building.
  • Slow moving flood waters can knock people off their feet or float a car.
  • Standing water can float a building, collapse basement walls, or buckle a concrete floor.
  • Water-soaked contents such as carpeting, clothing, upholstered furniture, and mattresses may have to be thrown away after a flood.
  • Some items such as  photographs  and heirlooms  may never be restored to their original
  • Floodwaters are not clean: floods carry mud, farm chemicals, road oil, and other noxious substances that cause health hazards.

Floodplain regulations: The City of Punta Gorda regulates construction and development in the floodplain to ensure that buildings will be protected from flood damage. Filling and similar projects are prohibited in certain areas. Houses substantially damaged by fire, flood, or any other cause must be elevated to or above the flood level when they are repaired

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

 

 

 

 

Are You Prepared For The Next Flood? Part One

storm-426789_1920Historic storms in the Gulf of Mexico, such as Harvey, Irma and Maria have emphasized the importance of homeowners securing flood insurance through the National Flood Insurance Program (NFIP). As you are aware, most locations in the City of Punta Gorda require the purchase of flood insurance as a condition of a mortgage. It is our belief; however, that all properties in the City of Punta Gorda and numerous locations in Port Charlotte are susceptible to damage from flood waters and property owners should protect themselves by purchasing flood insurance. Here are some reasons why:

The Flood Insurance Rate Maps do not take into account the vulnerabilities to storm surge. These maps primarily look at rainfall flooding. The City of Punta Gorda is extremely vulnerable to storm surge. In fact, all residents in the City of Punta Gorda live in a storm surge zone. With the City of Punta Gorda having an average elevation of less than 10 Feet, this leaves a majority of our population vulnerable to storm surge even from a minor storm. It is very possible that residents in X Zones (which are not required to have flood insurance) could experience flooding from storm surge that could cause major damage to their home or business, and any contents contained in the structures. Many people living in zones that do not require the purchase of flood insurance have purchased flood insurance for the reason stated above.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.