Tips for Selecting Private Flood Insurance

Flood Insurance

Tips for Selecting Private Flood Insurance

Predicting the weather can be downright impossible. Unfortunately, the elements play a huge part in the security of your home. In the event of a flood or other natural disaster, you run the risk of losing everything if your residence is directly impacted. Thankfully, insurance is what is meant to offer you peace of mind when faced with the unknown. Consider these points when picking out flood insurance and you’ll have a better time making the right decision.

Factors To Consider With Flood Insurance

There are a few important factors to consider when it comes to private flood insurance in Texas. For example, you want to take the overall value of your home into consideration. Additionally, some homeowners will add collectibles and other expensive items to the list of insured items to make sure all fronts are covered in the event of water damage. Certain counties put restrictions on when a policy goes into effect after being started, so get a feel for local laws to know what to expect. Additional points to consider include:

  • Location of your residence
  • Number of years owned
  • Current state of structure

Protect Your Residence

By thinking about your insurance options early, you can keep your home safe from whatever waits on the horizon. Look into flood insurance and get a better feel for what is right for your family.


Cyber Liability

Cyber Liability Insurance is for everyone

Technology has revolutionized today’s world and businesses, both big and small, benefit greatly from incorporating new technology into their business plans. From online sales to remote employees, to networked systems, businesses can’t succeed in today’s digital landscape without advanced technology. While there are countless benefits, there are also risks associated with our tech-driven world. Hackers and cyber-attacks are all too common and it isn’t just big corporations that are at risk. Businesses of all sizes should be aware of cyber threats and work to protect themselves and their business interests. 

What is Cyber Liability Insurance?

Despite what many people assume, a general liability policy is not adequate to protect a company from potential losses due to cybercrime. Cyber liability is a type of insurance put into place to keep businesses safe from extensive damage due to a data breach. This type of policy is specific to cyber-related claims and can at as protection from financial loss if your system is hacked or you experience a cyber-attack. However, cyber liability insurance is not enough. Companies must still incorporate advanced security software and employees to monitor activity. 

Who Needs Cyber Liability Insurance?

If your business utilizes cyber technology at all you should work with an insurance agent to evaluate your cyber protection. Don’t assume your company is small enough to be safe. Cyber-attacks are becoming more common and hackers are getting more and savvier. Protect yourself, your customers and your company from cyber threats with comprehensive cyber insurance today.