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What does flood insurance cover

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If you watch the news at all, you have seen countless examples of how devastating floods can be. They happen all over the country, and places that have never flooded before have been devastated by floods. The cost is phenomenal. One inch of water in your home can cause $25,000 in damage. Home insurance doesn’t cover floods. If you don’t have flood insurance, you are out of luck. At Integrity Advisors Agency, LLC in San Antonio, TX, we have 30 plus years of experience providing our clients with the best products and putting their needs first. 

Flood insurance is managed by FEMA (Federal Emergency Management Agency) but is delivered by a network of approximately 90 carriers or directly from the NFIP (National Flood Insurance Program). The NFIP provides flood insurance not only to homeowners but also to businesses and renters. Everyone can suffer from the devastation of a flood. To purchase flood insurance, you need to live in a municipality that participates in the program. If you are not in one of these places, you may still be able to purchase flood insurance from your insurance agent through private insurance. 

Flood insurance is sold to homeowners in two parts, property and contents. Property can be sold up to $250,000 and contents up to $100,000. Property insurance covers the building structure. This includes roof, flooring, major systems such as heating and cooling, plumbing, and electricity. Anything that is permanently attached to your home, such as kitchen cabinets, built-in appliances, and bookcases. It also covers basements and crawl spaces and cleanup from the flood. Content covers the washer and dryer, furniture and electronics, kitchen contents, articles of clothing, and other personal possessions. 

Contact Integrity Advisors Agency, LLC in San Antonio, TX to discuss the value of flood insurance and how to obtain it.

Three things to remember when you buy RV insurance

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Buying an RV insurance policy is an important step in protecting yourself financially as an RV owner in San Antonio, TX. We can help you to find the right RV insurance solution at Integrity Advisors Agency, LLC. 

The following are three things to remember when you buy RV insurance.

The type of recreational vehicle you own

There are numerous types of recreational vehicles. Many are classified under certain designations. You should know whether you have a Class A, Class B, or Class C motorhome before you start shopping for a policy.

Which class your RV falls under depends largely on its size. Do your research and identify your RV classification so that you can shop for accurate quotes on RV insurance policies. 

Types of RV coverage available

It would help if you familiarized yourself with the different RV coverage types available. The most important type is liability coverage. Liability coverage pays for the costs of any damages you cause while driving or owning your RV. 

Liability coverage is an important coverage type to understand because it is required by law. Other important coverage types of purchasing are collision and comprehensive coverage. 

Your additional options as an RV insurance policyholder

There are a lot of optional coverage types that you should understand. You have the option of buying residential liability coverage if you live in your RV full time. You also have the option of purchasing personal attachments coverage if you have items like satellite dishes attached to your RV.

Understand all the optional RV insurance coverage types before you buy a policy. 

Do your research and identify your RV insurance needs. If you have questions on RV insurance options in San Antonio, TX, get in touch with us at Integrity Advisors Agency, LLC. Contact us for assistance. 

Do You Need Home Insurance in Colorado if You Don’t Have a Mortgage?

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Most mortgage lenders in Colorado these days require homeowners to carry home insurance as part of their contracts. But, what if you’ve paid off your home in full and do not have a mortgage? Do you still need home insurance? 

Here’s the short answer: legally, you do not need home insurance in Colorado, but there are many reasons why you’ll probably still want a policy. At Integrity First Insurance, we’re here to answer all your questions!

What Does Home Insurance Do?

While mortgage lenders may refer to home insurance as protecting their financial investment, it’s really about protecting yours as well. After all, you’ve already put in a lot of time (and funds) into your home, and this goes tenfold if you’ve paid it off in full and do not have an active mortgage. A good home insurance policy prevents you from having to pay for all damaging events to your property out of your own pocket, therefore making sure your investment is not wasted. 

Does it Matter if I Live in an Urban or Rural Area?

Colorado is a very geographically diverse state, and our beautiful land is home to both rural and urban communities. Homes in both areas face different kinds of risks, and they are both still in need of home insurance as a result. Fortunately, insurance providers recognize this and offer different ranges of coverage options as a result.

How Do I Get a Policy?

When you’re ready to learn more about your home insurance coverage options, give us a call at Integrity First Insurance. We’re homeowners in Colorado ourselves, and we understand that there is no "one size fits all" policy. We’ll get to know you and your property, as well as any specific needs you have for coverage. Then, we’ll be able to present you with the policy options that fit best. Don’t wait to protect everything you’ve already invested into your home — reach out to us today!

At What Age Should I Start Considering Life Insurance?

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Many people in San Antonio, TX may think of life insurance as something you don’t need to worry about until you’re retired. The truth is that life insurance is less about age and more about certain milestones you may pass in life.

The real question is whether or not you have people depending on you. If you’re fresh out of college, single, working an entry-level job, life insurance might not be a priority. But for many of us, that situation doesn’t last very long. Before you know it, you’re married, you have kids, you have expenses, loans to pay off, and if something were to happen to you, it would create many problems for a lot of people.

So the answer to the question may not be that there is a specific birthday where life insurance becomes essential. Instead, life insurance becomes important on the day that you start to feel like an adult with adult responsibilities. The term "life insurance" is appropriate, as it is your life that is being insured, your family, and home. Everything that you can’t simply walk away from in San Antonio, TX, that’s what life insurance protects.

The sooner you start, the better off you’ll be. Most insurers offer loyalty discounts, and life insurance tends to be far cheaper the younger you are, and the healthier you are.

If you’re ready to take that step, get in touch with the Integrity Advisors Agency. Integrity Advisors Agency can help you to find the right policy for you so that you can rest easy, knowing that, no matter what, your loved ones will be taken care of, and your responsibilities will be managed.

Do I Need Commercial Insurance For My Etsy Business?

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If you run an Etsy business in San Antonio, TX, the question of insurance comes down to a few factors.

  • Is this your primary income? If you are running an Etsy business as a way to make an extra hundred dollars a month, if it is essentially just a hobby that pays for yourself, it might be a little early to consider buying extensive commercial insurance. On the other hand, if this is how you make a living, how you pay your bills, then you certainly don’t want to leave it at risk.
  • How much volume is your business doing? If you are selling hundreds of items a month, then your level of risk is far more pronounced than that of many Etsy shop-owners.
  • What sort of equipment do you have on hand? It may be worth buying commercial insurance even for a small Etsy shop if you have thousands of dollars worth of tools, supplies, and equipment on hand. You don’t want to spend hundreds investing in a silkscreening setup only to find that your home insurer excludes business property.
  • Are there any special liability concerns associated with your product? Any product you could hope to sell comes with a certain degree of liability, and Etsy may provide some protection on your behalf. Still, if you are selling something that may be potentially hazardous, you will undoubtedly want to have adequate protection against lawsuits.

With many small businesses, it can be tricky to determine where the line is drawn between business and hobby. Still, once you cross that line, it’s time to call Integrity Advisors Agency and discuss buying a commercial insurance policy. Integrity Advisors Agency can get your San Antonio, TX business the protection it needs.