Protect Your Basement From Flooding

Your finished basement may very well be your pride and joy. You’ve probably spent thousands of dollars and a lot of time converting your concrete foundation into customized living space. You probably don't want a tidal wave of ground water or sewage making it's way into your new finished space. A flash flood, a cresting river or creek, or a simple summer tropical storm can potentially turn your new carpeting and dry-wall into a giant mold fest. Your finished basement isn't really finished, unless you have taken some of these flood prevention steps to protect it in the future.

Get Your Finances In Gear For The New Year

This time of year, thoughts turn to year-end financial matters: paying holiday bills, preparing your tax return and more. It’s also a great time to review the general state of your finances to see if you need to make any changes in the coming year.

Many people don’t consider the importance of insurance in an overall financial plan. But the fact is, no matter how hard you work to build wealth, failure to purchase adequate insurance can be your undoing. On the other hand, paying for coverage you don’t need can also sting your budget. Finding the right balance can be challenging.

Your Family Home: What Your Insurance Does and Does Not Cover

Home insurance has become so standard that it can come as a shock to find out that insurance companies only invented it a mere 50 years ago when they figured that it made sense to offer a single, comprehensive policy to cover both liability and property. While your Newburgh NY insurance agents can offer you any of the various forms that have since evolved to meet the needs of owners of single family dwellings, over 80% of such policies in force today are of a form known in the industry as “HO3.” These policies cover just about everything except those specified as excluded, such as earthquakes and floods.  Even though there are exclusions, they are often called “all risk” coverage as any risk not listed as excluded is covered.

Some of the Best Insurance is Prevention

Many of us put more miles on the car during the summer. Remember that even in pleasant weather, you can run into emergencies on the road. Your Middletown NY insurance agents advise you to be prepared by having emergency tools and supplies in your car at all times.

What kind of emergencies might you face on the road? Let’s look at the two basic possibilities—a medical emergency and a mechanical ones, and how to be ready for both.

Be Prepared For Anything

The heart-wrenching pictures of the damage in the recent earthquakes in Haiti and Chile remind us that earthquakes can strike in unexpected places and unexpected moments. It’s never too early to protect your family and home from disaster.

Being prepared turned out to be a key factor in lessening the loss of life in Chile, despite one of the largest quakes in history at 8.8 on the Richter Scale. Their stricter building codes are complemented by public awareness and earthquake preparedness.