Flood Insurance for Homeowners

Here is an excerpt from a new blog post at GreggMarcus.com:

When thinking about purchasing a homeowner’s insurance policy, depending upon your location, you may need to greatly consider purchasing a flood insurance policy. As most homeowner’s insurance policies do not include a flood insurance term, there must be a separate agreement purchased. If you are anywhere near the water or live in an area in which is a vulnerable to torrential downpour you should greatly consider purchasing a separate flood insurance policy to protect your home and yourself! In this post, Long Island Insurance Executive, Gregg S. Marcus will explain why it is more than recommended to purchase an insurance policy to protect you from the harms of flooding.

With the hurricane season being quite devastating during the past few years, we should be quite concerned about weather related risks to life and property around the summer time. The Federal Emergency Management Agency, commonly known as FEMA reminds residents all around the country to protect themselves and their properties by being readily prepared for such instances, this includes the acquiring flood insurance.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.


5 Ways to Lower Homeowner’s Insurance Costs

Here is an excerpt from a new blog post at GreggMarcus.com:

According to the Federal Emergency Management Agency (FEMA), flooding is the most common natural disaster in the United States and causes more than $2 billion in property damage annually. With new storm Katia forming in the Atlantic, we may have another Hurricane hitting Long Island and causing major flooding soon. It is important to have your home prepared ahead of time to minimize losses and ensure your family’s safety. According to Gregg S. Marcus, a Long Island Insurance Executive, follow these steps to keep your home and family safe in a flood disaster:

Make a Family Emergency Plan
Before a disaster hits, plan and practice a flood evacuation route with your family. Make sure you know safe routes from your home, workplace and children’s school to shelter on higher ground. Also create a safety kit, or “go bag” with enough drinking water and non-perishable (canned) food to last your family a few days. It should also include a first-aid kit, a battery operated radio, blankets and a flashlight. Keep it near the front door of your home so you can grab it quickly if you are evacuated. And lastly, don’t forget your pets! Have a plan in place for them. Most shelters don’t allow pets, so make sure you know what you will do with them if you are evacuated.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.


Preparing Your Home for a Flood

Here is an excerpt from a new blog post at GreggMarcus.com:

The premiums you pay on your homeowner’s insurance can vary by hundreds of dollars; depending on the insurance company you buy your policy from. Gregg S. Marcus, a Long Island Insurance Executive, gives you five other important things to consider when buying homeowners insurance.

1. Raise Your Deductible
A deductible is the amount of money you have to pay toward a loss before your insurance company will start to pay the claim, according to the terms of your policy. The higher the deductible, the less money your insurance premiums will be! Currently, most insurance companies recommend a deductible of at least $500. If you can afford to raise your deductible to $1,000, you may save as much as 25% off your premium. Depending on where you live, there may be separate deductibles for certain kinds of damage. For example, if you live in an earthquake-prone area, your earthquake policy has its own deductible.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.


Hurricane Irene has Passed, but the Risks Have Not

Here is an excerpt from a new blog post at GreggMarcus.com:

Exhaustion, Injury, Stress – take precautions to avoid these post-disaster risks.

Just because the storm has passed, does not mean the risks have as well. It is important that you continue to take care of the health of both you and your family.

Exhaustion
Avoid exhaustion by pacing yourself. While you may be anxious to finish any clean up and get life back to normal as soon as possible, don’t over exert yourself. Set goals and maintain a reasonable pace. Take care to drink plenty of water, rest and eat well. Remember the old adage, “slow and steady wins the race.”

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.