Anne Rhyner Gagne Insurance Services

HOW MUCH HELP WILL THE HURRICANE VICTIM GET?
Not much!

FEMA – they all will qualify for FEMA assistance. The maximum FEMA pays per household is $30,000 with the average payout being $1500. There is only so much money to go around.

Homeowners Insurance – the good news is for those who sustained wind damage and has a good policy will be made whole. They should get money to find temporary shelter while their homes are being re-built at little to no expense up to their policy limits. The bad news is that those impacted by the flooding caused by hurricanes and other disasters, unless they have a separate flood insurance policy, are not covered by homeowners insurance.

Flood Insurance – Most insurance companies do not offer flood insurance. There is a government backed insurance policy available BUT to only those homeowners located in a designated flood plain (a government designated area.)

So, what can you do? Donate to your choice of Hurricane Harvey and/or Hurricane Irma relief funds. To protect yourself and your family this is a good reminder to stock up on emergency supplies and provisions.

Finally, take the time to get an insurance review to make sure you are as covered as possible for any potential unforeseen issues that may occur in your life. Give me a call and I’ll give you a free/no obligation review. There is no better time to make sure you are properly covered.

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Make the best choice for both your vehicle and your budget.

6 Types of Auto Coverage Does your insurance policy include roadside assistance, medical payment or rental reimbursement?

Do you plan to remain in your house, relocate to temporary housing or move in with friends or family? Safeguard your house accordingly.

Before Selling Your Home Review your homeowners insurance and determine if you're sufficiently covered.

Before taking to the skies, learn how to best protect yourself.

Tips for Drone Owners Have you registered your drone with the Federal Aviation Administration? That should be the first step you take.

Do you care about protecting your home in the best possible way? Subscribing may be the best option for you: https://otbd.it/2P8HSg

Time to Sign Up Learn all about drone safety in this week's email newsletter.

You may be surprised by the circumstances in which your policy offers coverage.

Effective Use of Homeowners Insurance Some small-scale accidents, such as property damage caused by a drone, may be covered.

Each homeowners policy is different, so make sure you know which one best applies to you before making a purchase.

Insurance for First-Time Homebuyers A typical policy provides four areas of coverage: the structure of a house, detached structures, personal belongings and additional living expenses during a home's repair.

If you weren't aware of these potential deductions this tax season, now you know what to invest in before the next one comes around.

Tax-Cutting Renovations Some energy-efficiency upgrades, for example, could make you eligible for certain deductions from your federal taxes.

Thinking of renovating? Be sure to consider the potential return on your investment.

High-Value Home Projects Opt for updates with promising ROI, such as a steel door, attic fiberglass insulation or a master bedroom addition.

Don't wait for your warning lights to come on. Maximize the safety, efficiency and longevity of your vehicle.

Follow a Car Maintenance Schedule Your owner's manual is likely to have a recommended preventative maintenance schedule.