Insurance Agency News

Are you deciding between The Flood Insurance Guru and a traditional insurance company for your flood insurance? Wondering which one will offer better coverage, support, and peace of mind? You’re not alone — and you’re in the right place. Flood…

FEMA Flood Insurance Quote Tool: Step-by-Step Guide to Get the Right Coverage Have you ever tried getting a flood insurance quote online, only to feel like you’re reading a foreign language? What if you pick the wrong coverage or input…

Are you a homeowner in a high-risk flood zone concerned about protecting your property? Have you found that standard flood insurance policies don’t offer the coverage flexibility you need? In this article, we’ll explore the top personalized flood insurance options…

Are you concerned that your current flood insurance policy might not fully protect your high-value home? Do you find the National Flood Insurance Program (NFIP) coverage limits insufficient for your property’s needs? Are you seeking a more tailored flood insurance…

You’re discovering that it’s extremely difficult to find flood insurance for your property. Maybe you’ve tried to get private flood insurance—only to be told it’s not available. Or maybe your current policy is suddenly non-renewed with no clear explanation. It’s…

Understanding What Flood Zone AE Means Flood Zone AE appears on FEMA’s Flood Insurance Rate Maps (FIRMs) and identifies areas with a 1% annual chance of flooding. Homes in Zone AE face significant flood risk but vary greatly in actual…

Are FEMA flood insurance policies confusing you?You’re not alone. Thousands of homeowners face the same struggle—policies packed with technical terms, dense documents, and vague language. Worried about choosing the wrong coverage and leaving your home exposed?That anxiety is real—and justified….

What THEY Aren’t Telling You About California Flood Insurance (2025) California is facing yet another devastating wave of flooding, and with it comes heartbreaking stories of homes destroyed, lives uprooted, and dreams shattered. As the president and owner of The…

If you’ve ever felt like your flood insurance policy doesn’t truly reflect your needs, you’re not alone. For homeowners in high-risk flood zones, standard policies often fall short in crucial ways. Common Issues with Standard Flood Coverage: Higher premiums that…

Are you paying too much for flood insurance—and don’t even know it? Have you tried comparing prices, only to get stuck between confusing FEMA terms and private insurer jargon? You’re not alone. Many homeowners are surprised to learn that flood…

Most flood insurance policies feel generic. They’re built like templates—one-size-fits-all documents that don’t account for your home’s unique location, features, or your personal risk tolerance. At The Flood Insurance Guru, we work with homeowners across the U.S. to create custom…

4 Key Coverages in Flood Insurance Explained Flood insurance can often feel like a maze of confusing terms and complex policies, especially if you’re new to understanding flood risk or insurance coverage. Whether you live right on the water or…

Many sellers don’t realize their home’s FEMA flood history could stop a sale in its tracks — until it’s too late. Repetitive Loss (RL) or Severe Repetitive Loss (SRL) properties often face higher insurance costs, disclosure requirements, and stricter lending….

Are you worried flood insurance is too expensive to afford?You’re not alone. Many low-income homeowners know they need flood protection—but they feel priced out of it. Living in a high-risk zone with limited income?That makes the decision even harder. Flood…

Tennessee Flood Insurance EXPLAINED: What Your Policy Might Not Cover Flood insurance can be a confusing and overwhelming topic, especially for homeowners in Tennessee who face a variety of flood risks depending on their location. As someone who has personally…

If You Own a Luxury Home, Are You Fully Protected from Flood Damage? If you own a luxury home worth $1 million, $2 million, or even more, you could be dangerously underinsured for flood risks. Most standard flood insurance options…

Why Deductibles in Flood Zone AE Matter More Than You Think If you live in Flood Zone AE and carry flood insurance, there’s a good chance your deductible isn’t what you think it is—or what it should be. From confusing…

Do you think your flood insurance only needs to cover what the bank requires?You’re not alone—but this thinking can leave you dangerously exposed after a flood. Assuming your homeowner’s insurance will cover the rest?It won’t. Flood damage isn’t covered by standard…

Affordable Flood Insurance Options for Low-Income Homeowners: What You Need to Know Are you worried that flood insurance is too expensive to fit into your monthly budget? Do you believe federal disaster assistance will protect you if your home floods?…

Do you know what your FEMA flood insurance covers if your home floods tomorrow?Have you been told you’re “in a low-risk zone” or that your homeowners insurance will handle it, only to find out neither is true? In this guide,…

The Search for Protection When Standard Options Fall Short You’ve done your research. You know that standard homeowners insurance doesn’t cover flooding. You understand that your property sits in a flood-prone area where water damage isn’t just possible—it’s probable. And…

What Are the Best Resources to Learn About Flood Insurance? Are you overwhelmed by confusing information about flood insurance?Do you wish there was one trusted place that clearly explained how it works, what coverage you need, and how to avoid…

Owning a Home in Non-Coastal Flood Zone AE: Unique Challenges Owning a home in a non-coastal Flood Zone AE presents specific challenges — particularly when it comes to flood insurance.While the National Flood Insurance Program (NFIP) has historically been the…

Owned by Wayne Dietrich – ON For Wayne Dietrich, Fords have always been a way of life. His love for the brand started in his teenage years when he drove a 1956 Ford until it gave out. The styling, reliability,…

Understanding the Advantages of Private Flood Insurance Private flood insurance is increasingly becoming a preferred choice for homeowners due to its impressive benefits over the National Flood Insurance Program (NFIP). One of the primary advantages is the potential for significant…

Do you think flood insurance is only for coastal properties?Have you ever been told your house won’t flood because it’s not near the ocean? That’s a dangerous myth. Many inland homeowners are shocked to discover their property sits in Flood…

If you’re in a high-risk flood zone like AE, the last thing you want is confusion when a disaster strikes.After all, you’re paying monthly for peace of mind—but do you actually know what to expect when you file a claim?…

Is Your Home on FEMA’s Repetitive Loss List? Here’s What That Really Means Discovering that your property is classified as a Repetitive Loss (RL) or Severe Repetitive Loss (SRL) property can feel like hitting a wall—suddenly, insurance, selling, or even…

Flood Zone AE: What It Means for Your Property and Insurance Did your lender just require flood insurance even though your home has never flooded?Are you suddenly in Flood Zone AE and unsure what that means? You’re not alone —…

Is Your Property on FEMA’s Repetitive Loss List? Owning a home in a flood-prone area can lead to rising insurance premiums, difficulty selling, and limited options. If your home has multiple flood claims, it may be listed as a Repetitive…

Do flood maps and insurance language leave you totally lost? You’re not alone. Many homeowners want to understand their flood risk but run into maps, terms, and tools that feel designed for engineers, not everyday people. Confused about whether your…

Different Types of Farming Technology Automation and Robotics Automation and Robotics can perform tasks such as planting, harvesting, and sorting with unimaginable precision. These technologies are not only reducing labor costs but are also optimizing workflows and continuously improving safety…

Do You Really Know What Determines Your Flood Insurance Cost? Many Houston homeowners believe that flood insurance premiums are outrageously high or that they won’t qualify for coverage due to frequent flooding in the area.However, this isn’t entirely true. A…

Flood Insurance vs. Home Insurance: What Most Homeowners Get Wrong Do you know if your homeowners insurance covers flood damage? What would happen if just one inch of water cost you $25,000 out of pocket? In this article, you’ll learn…

Are You a Houston Homeowner? Here’s What You Need to Know About Private Flood Insurance vs. NFIP Are you a Houston homeowner trying to figure out the differences between the National Flood Insurance Program (NFIP) and private flood insurance? If…

Assessing My Home’s Flood Risk: Do I Need Insurance in Houston? Is Your Houston Home at Risk of Flooding? Here’s How to Find Out Many homeowners underestimate their flood risk in Houston, believing that if their lender doesn’t require flood…

 What to Do After Flood Damage: A Step-by-Step Guide for Ohio Valley Homeowners and Business Owners Has your home or business in the Ohio Valley area — including parts of Kentucky, Indiana, or Ohio — been impacted by recent severe…

Owned by Ronald Zinger – ON Some vehicles become part of the family, and that’s certainly the case with Ronald Zinger’s 1975 Ford F-150. Purchased brand new in August 1974 from Parkway Ford in Waterloo, this truck was built to…

Why Do Flood Insurance Costs Vary in Houston? Is Your Houston Home at Risk of Flooding? Here’s How to Find Out Flood insurance pricing in Houston varies widely depending on home location, construction type, and flood risk. Many homeowners assume…

Why Do Flood Insurance Costs Vary in Houston? Is Your Houston Home at Risk of Flooding? Here’s How to Find Out Flood insurance pricing in Houston varies widely depending on home location, construction type, and flood risk. Many homeowners assume…

 Posted On March 14, 2025 Written by Dave Stewart Zehr Insurance Brokers Ltd. When the field is quiet and the harvest is over, it’s easy to think the work is done. However, the off-season is the perfect time for…

Owned by Dave, Whitby – ON Can an automotive writer and photographer build something of his own? That’s the question Dave Thomas set out to answer when he picked up this 1951 GMC, originally a farm truck with a dump bed….

Owned by Doug Renault, ON Some cars are just special, and for Doug Renault, his 1964 Dodge Polara Convertible has been part of his life for an incredible 60 years. Originally purchased on November 11, 1964, from Roe-Hoyle Motors in…

How Base Flood Elevation Affects Your Flood Zone and Insurance Rates Why Base Flood Elevation Matters Buying a home in a flood zone can be stressful and expensive. If you don’t understand Base Flood Elevation (BFE), you could end up…

 Posted On February 15, 2025 Written by Dave Stewart Zehr Insurance Brokers Ltd. It’s definitely here! The heavy snow fall, temperatures dropping, and your barn starts to feel the full weight of winter again. Picture This You wake up…

Automotive designers voted the ’53 Stude coupes and hardtops (Starliners) as a top contender for the most beautifully designed cars of the 1950’s. They should know. So well proportioned are they that it is hard to take a bad picture…