732-244-6553

HOMEOWNERS INSURANCE

You Could Be Sorry If You Buy A Cheap Homeowners Insurance Policy!

When you purchased your home did you buy it because it was Cheap or because it was the Best Buy for the Money?

The same is true when purchasing Home Insurance.
Cheap insurance usually does not cover many of the things that can go wrong. And when things go wrong the last thing you want to think about is whether your Homeowner’s policy is going to protect you. We know price is important but what’s more important is having the coverage you need when you need it.

A Home should be insured for the cost of reconstructing it, not the purchase price, not the mortgage amount and not the assessed value.

The staff at Alamo Insurance Services, Inc. has over
100 years combined experience estimating reconstruction cost, helping determine that your home is not under insured or over insured.

 

Important note to Homeowners in a Coastal Area.

The office of Alamo Insurance Services, Inc. is physically located along the Jersey Shore so we are no stranger to the problem acquiring coastal Homeowners Insurance.

Over the past 5 years almost every insurance company
in the State of New Jersey has stopped insuring homes within a mile or two of the coast line. The predicted threat of high winds from Hurricanes and Nor’easters is the reason why and is also the reason thousands of policies have been cancelled.

Call Alamo Insurance Services, Inc. today for your free quote and make sure your covered because you know it’s not if it will happen… it’s when.

FLOOD INSURANCE

FLOODING IS NOT COVERED BY A HOMEOWNERS INSURANCE POLICY.

A Flood Insurance policy must be purchased independent of a Homeowners Insurance policy and can provide coverage for both Building and Contents.

Flood Insurance is regulated by the Federal Government Agency FEMA an therefore regardless who you purchase your Flood Insurance from the rates are the same if properly rated.

 

 

SOME FACTS ABOUT FLOODING:

1) Everyone lives in a Flood Zone

2) Homeowners Insurance does not cover damage from rising water

3) Your home has an 8% chance of being damaged by Fire

4) Your home as a 26% chance of being damaged by rising water

5) Anywhere it can rain it can flood, especially in your basement

6) Just an inch of water can cost you thousands of dollars in repairs

At Alamo Insurance Services, Inc. we use the latest in computer software to evaluate your risk of Flooding while analyzing any Elevation Certificate available to keep your Flood Insurance cost as low as possible.

Experience the Alamo difference!   732-244-6553 | Contact Us