Hello everyone, Miro Reyes with Branch Benefit Consultants. Our next consumer question is when do I need to get homeowners insurance? Well, if you’re starting to look into purchasing a home, you want to start shopping for the best rate. The best rate is not always the best coverage. So, ask your insurance agent what each coverage means and how it protects you. If you plan on having an in-home business. Don’t forget to mention that. Remember buying your home is your largest investment, so it’s best to protect it properly. Here at Branch Benefits Consultants, we strive to protect our clients with the best coverage. So give us a call or text. If you have any questions, in our next segment, we’re going to have a little bit more information in regards to coverages and how it cover you in your home and additional endorsements that you’re able to add to your home policy. Give us a call or text if you have any questions. Thank you for your time.
Hello guys, my name is Mayra. I am with Branch Benefits Consultants. I am here to talk to you about renters insurance today. The renters insurance policy also known as tenant insurance is required by landlords and it covers fire, theft/vandalism, and personal injury to others. The main coverages are personal property which covers your clothes, your electronics, your furniture, and anything in the house that belongs to you. Medical is if somebody comes on the property and they get injured. Liability is if you cause damage to somebody else’s property, such as if your child is playing and breaks a neighbor’s window. Additional living expenses are a cost that you incur while the rented premises are being repaired due to damages and it’s not livable. You can also add any additional coverages upon request.
Hi, Mira with Branch Benefits Consultants. Today, we’re gonna be speaking a little bit about flood insurance.A lot of our customers ask what is flood insurance and how does it cover us? Well, as we all know, just a couple of weeks ago, we were hit by a monsoon here in Las Vegas Valley and we had a widespread of flood insurance. So, is it really worth having flood insurance placed on your property?
Of course, it is! Did you know that only two inches of flood water can cause up to $25,000 worth of damage to your property? Well, floods could come from any source of water. It could come from tidal waves, it could come from inland waters, and also for unusual rapids overflowing waters that bring from any source. Therefore, water damage can cover your building and the foundation of your premises. It also can cover contents that are covered on the ground floor of your building or the ground floor of your home.
There is a 30 day waiting period for any flood insurance to take effect unless you’re purchasing a home for the first time. If your home happens to be in a flood zone area. Then, of course, there’s not a waiting period for the builders uh to have that flood insurance in place. Flood insurance can be pretty pricey, but also can be fairly inexpensive, and it’s always well to have. I know Vegas doesn’t get hit by the monsoons, but when we do get hit, we get hit pretty hard. So give us a call whenever you’re ready to get a flood insurance quote, you don’t take any time away from us. So we’re here to help you.