Register for LOCAL Emergency Alerts & Texts:
In the event of an emergency, The Southeast Texas Alerting Network (STAN) will call residential and commercial telephones in the affected areas. Since you’re not always at home, you can register to make sure you receive notifications no matter where you are. That way, if you’re at work and something happens near your home, you’ll know about it. Click the red REGISTER button in the link below and follow the registration instructions. You can also call 1-844-578-7826 to register for notifications.
You Need A HOME INVENTORY!
We live on the Gulf Coast. More and more we see dangerous storms are trending and impacting our area. For these reasons and many more, we must protect our property and expensive investments. Harvey flooded over 5,000 Hardin County homes. Less than 13% of these homes were covered under a National Flood Insurance Policy. Hundreds of Harvey-impacted households told us: "I thought I couldn't afford flood insurance but the truth is, I couldn't afford NOT to have it." It's important to have adequate coverage on our homes. There is never a guarantee that volunteers and funding will be available to help everyone impacted by disaster. It's our responsibility to protect what belongs to us! Watch this informative video to learn more about insurance coverage:
Could you rebuild if a storm or fire destroyes your home?
Some experts say half of all homes may not have enough insurance.
Here are tips to make sure you have the right amount of coverage:
1. Find out what it would cost to rebuild your home
This is not the same as the real estate price, or market value. The rebuilding cost is based on what kind of home you have and local construction costs. The rebuilding cost is sometimes called replacement cost. Your insurance agent can help find out your rebuilding cost.
2. Your insurance coverage should match the rebuilding cost
You can find your policy limits on the front page of the policy or ask your agent. If the amount is lower than the estimate to rebuild, YOU NEED TO MAKE CHANGES.
3. Check your insurance coverage regularly
Check your coverage when you renew your policy each year. You should also talk to your insurance agent if you remodel or make upgrades. A new deck, garage, or kitchen can increase the cost to rebuild.
How to Protect Personal Property as a Renter:
The truth is, if you're renting and lose all of your personal belongings in a disaster (hurricane, flood, fire, etc.), there aren't many resources for you to turn to for help. There's a way for you to protect what belongs to you and it's called Renters Insurance. Renters Insurance is affordable and provides peace of mind. Here's a quick video to explain more about Renters Insurance: