Author: abraham

Hi, this is Maureen. Stay tuned for another insurance tidbit. Floods are one of the most common natural disasters in the United States and they can cause billions of dollars in damage. Homeowners. Insurance typically does not cover floods because floods are considered natural disasters. And most home owners policies exclude natural disasters from coverage. However, there are some ways to protect yourself from financial ruin if a flood damages your home. One option is to purchase a separate flood insurance policy. Another option is to get a rider on your homeowners insurance policy that covers floods. Riders are typically available for an additional premium and can help cover some of the costs associated with flooded homes. Finally, you can try to negotiate with your mortgage lender to have them cover the cost of repairs. If a flood damages, your home, floods are unpredictable and can happen anywhere. So it’s essential to prepare financially in case your home becomes flooded by understanding your options and being proactive. You can help to protect yourself from financial ruin in the event of a flood.

We’d be happy to review your insurance coverage options with you! Give us a call at (586) 464-2400 or visit https://themcgovernagency.com.

Hi, this is Maureen. Stay tuned for another insurance tidbit. I’ll be honest here. Medicare coverage can be confusing. And one common question people ask is whether or not their spouse can be covered under their Medicare plan. So the short answer is no, a person qualifies for Medicare once they reach 65 or if they have a specific disability, um your Medicare plan is for you and it’s for you alone. Also, since it’s pretty unlikely that you and your spouse were both born in the same month of the same year, one of you will qualify for Medicare before the other. However, you can purchase a Medic Gap and Medicare Advantage plans to cover both you and your spouse and also help pay for some things that Medicare might not cover. Now, I just want to remind you though that before making any choice on either a Medic Gap or Medicare Advantage plan, make sure that you sit down with your insurance agent and review all of the facts.

We’d be happy to review your insurance coverage options with you! Give us a call at (586) 460-4334 or visit https://themcgovernagency.com.

We’d be happy to review your insurance coverage options with you! Give us a call at (586) 464-2400 or visit https://themcgovernagency.com.

We see five main reasons why people suffer financial devastation when mayhem strikes. We made this video to make sure this doesn’t happen to you.

Five, they don’t know that flood is not covered in a home policy.

Number four, they don’t realize how often the liability limits of auto and home policies are often exceeded.

Number three, they don’t understand the importance of a personal umbrella policy.

Number two, they don’t prepare for the worst and understand how inexpensive life insurance really is.

Number one, they don’t update their insurance when their lives change.

These items are just a short list of the many hazards that seriously affect our customers lives. How do you protect yourself? Schedule an annual insurance review as soon as possible? Sit down with your agent, your trusted advisor. It’s our job to make sure you are protected and not only that nearly 70% of the time, we are even able to save our customers money.

We’d be happy to review your insurance coverage options with you! Give us a call at (586) 464-2400 or visit https://themcgovernagency.com.