Insurance Agency News

Are you paying $600 more than your neighbor for flood insurance and not even know it? In Pelham, Alabama, two homes on the same street can have drastically different premiums, even with identical coverage. The reason? Most homeowners aren’t shopping their…

Have you opened your 2026 flood insurance renewal and felt a pit in your stomach?Are you unsure whether your new rate is fair or if you’re being overcharged without realizing it? For Connecticut homeowners, especially in coastal or inland flood-prone…

Will My Bank Accept My Flood Insurance Policy? You bought flood insurance to protect your home, but will your lender accept it?What if your policy gets rejected right before closing, costing you time, money, or worse, the deal itself? This happens…

If you live in Anniston or Oxford, you know the challenge of being in the “Valley.” You check your mortgage and see a steep flood insurance charge. The FEMA map says Zone AE, thanks to runoff from Cheaha Mountain or…

Whether you’re eyeing a beachside cottage in Old Saybrook or a luxury home in Fairfield, many buyers in Connecticut are shocked to see flood premiums over $3,000 per year, often with little explanation. The good news is that you have…

Flood insurance is required for most homeowners in high-risk areas, but standard coverage through the National Flood Insurance Program (NFIP) may give you a false sense of security. While it offers building coverage up to $250,000 and contents coverage up to…

BBA, CAIB, President, Zehr Insurance Why Project Owners and Contractors Prefer Bonds When project owners require financial security from a contractor, two instruments are often discussed: surety bonds and letters of credit (LOCs). While both are designed to protect the…

 / Private Flood Insurance Clause Private Flood Insurance Clause Explained: What Homeowners and Buyers Need to Know By Chris Greene | 4 min read If you’re buying or refinancing a home in a flood zone, you’ve probably heard your lender…

What happens when your rental floods and the rent checks stop coming? If you’re a Connecticut landlord with flood insurance through FEMA’s National Flood Insurance Program (NFIP), you might think you’re covered. But what most landlords don’t realize is that…

If you just opened a letter from your mortgage company saying you need flood insurance in Decatur, Florence, or Muscle Shoals, and you’re staring at a potential $3,000 FEMA quote, you’re not alone. In this article, you’ll learn how to…

Could FEMA be overcharging you based on inaccurate elevation data? If you’re a homeowner in Houston, you might be paying a flood insurance premium based on a number that doesn’t match your home’s actual height above ground. Since FEMA updated…

Why are Old Saybrook homeowners getting flood insurance quotes that are nearly 50% higher than the state average? Why does FEMA say your policy is “correct” even when it feels completely broken? If your renewal bill just hit your inbox…

Are you tired of paying too much for flood insurance on your apartment complex? Do you feel like your premiums are just a fixed cost you have no control over? You’re not alone. Flood insurance is one of the most…

Can you cancel your FEMA flood policy mid-term to switch to private insurance? You’ve probably been there, your FEMA flood insurance renewal shows up, and to avoid a lapse, you pay it. Then, a week later, you find out a…

Can you really trust Titan, Argenia, or TFIA with your home’s flood protection? If you live in Houston and just got a flood insurance quote with a name you don’t recognize, Titan, Argenia, or TFIA, you’re probably asking: Who are…

Owned by Mario and Kendra of Calleja Kustoms Mario and Kendra spent seventeen years building their vision. Poison IVY is the embodiment of a dream to build an early ’60s show car in the classic style of Big Daddy Ross,…

 Posted On December 15, 2025 Written by Dave Stewart Zehr Insurance Brokers Ltd. A farm is more than just land, equipment, and livestock, it’s a legacy built through generations of hard work and dedication. But without a clear plan,…

Why do AE homeowners need flood insurance while their neighbors in Zone X think they don’t? Have you ever struggled to explain to a neighbor why you pay for flood insurance and they don’t? Maybe they said, “I’m not near…

In recent years, more homeowners have started turning to private flood insurance to fill the coverage gaps left by the National Flood Insurance Program (NFIP). Private policies often promise better protection, higher coverage limits, and added benefits that NFIP policies…

If you’re a Connecticut homeowner exploring alternatives to the National Flood Insurance Program (NFIP), you may be wondering whether your lender will accept private flood insurance. The good news is that federal law is on your side, if your policy…

Owned by Dr. Hassan Moghadam – Ottawa, QC Some vehicles stop you in your tracks. The 1956 Mercedes-Benz 300SL Gullwing owned by Ottawa surgeon Dr. Hassan Moghadam is one of those cars. Known worldwide for its performance and unmistakable doors,…

“This house is in Zone X. You don’t need flood insurance.” That sentence is one of the most dangerous in Houston real estate At The Flood Insurance Guru, we’ve analyzed 40 recent flood insurance policies from across Greater Houston, spanning…

Think You’re Safe Without Flood Insurance in Connecticut? What if a quiet storm turned your basement into a $47,000 loss? For one homeowner outside New Haven, it did. He wasn’t in a high-risk zone, didn’t have flood insurance, and his…

You’ve done your research. You’ve found a private flood insurance policy in Connecticut that offers better coverage, higher limits, and a lower premium than the standard National Flood Insurance Program (NFIP) policy. It seems like a clear win. But as…

The $150,000 Mistake That Cost One Investor Everything You did everything right. You bought a six-unit building in Hartford, insured it for what your lender required, and your rental income was steady. Then the flood hit. The damage totaled $650,000….

Your Policy Might Not Protect You the Way You Think After the August 2024 floods in Connecticut, many homeowners were shocked to find their flood insurance fell short. Despite paying premiums faithfully, they were left with tens of thousands in…

Your Policy Might Not Protect You the Way You Think After the August 2024 floods in Connecticut, many homeowners were shocked to find their flood insurance fell short. Despite paying premiums faithfully, they were left with tens of thousands in…

The Zone AE Paradox: Why Your Neighbor Pays $800 and You Pay $2,800 You just got your flood insurance renewal in Hartford. Same house, same Flood Zone AE, but your premium is $2,800 while your neighbor’s is only $800.  Many Connecticut…

The Zone AE Paradox: Why Your Neighbor Pays $800 and You Pay $2,800 You just got your flood insurance renewal in Hartford. Same house, same Flood Zone AE, but your premium is $2,800 while your neighbor’s is only $800.  This is…

Tired of rising NFIP flood insurance premiums?Wondering if private flood insurance can truly save you money, or if it’s just a risky shortcut? You’re not alone. Nearly every Connecticut homeowner facing high NFIP rates asks the same question: Is private…

Are you stuck paying too much for flood insurance just because your policy isn’t up for renewal yet? Do you believe you’re locked into your current flood insurance plan, even though you’ve found a better option? That belief is costing…

Your Winter Prep Checklist Livestock Care Ensure barns and shelters are insulated, dry, and well-ventilated. Check water systems to prevent freezing and stock up on bedding to keep animals warm. Monitor feed quality and adjust rations — livestock often need…

Top 5 Flood Insurance Quote Mistakes That Can COST YOU THOUSANDS:  What to Fix When Comparing Flood Insurance Quotes Are you confident your flood insurance quote would actually cover you after a flood?Or could a small mistake in your policy…

Owned by Justin Sookraj, OBLIVION 80s & 90s Car and Culture Showy Adam, Oshawa – ON Developed with direct input from Honda’s F1 program and legendary driver Ayrton Senna, the Acura NSX was the ultimate expression of Honda’s engineering in…

 Posted On October 15, 2025 Written by Dave Stewart Zehr Insurance Brokers Ltd. Farming isn’t just about dirt on your hands, it’s also about data at your fingertips. From GPS-guided tractors to online banking, modern farms run on technology….

Owned by Adam, Oshawa – ON I purchased my 1967 Chevy Camaro RS in 1983 at the age of 18 and entering my first year at college. It had been a long time saving and searching for a number matching…

 Posted On September 15, 2025 Written by Dave Stewart Zehr Insurance Brokers Ltd. Every tractor has a story. Every harvest has a history. And behind every acre tiled, there’s a family whose story is rooted in resilience, tradition, and…