Insurance Agency News

Why do two nearly identical homes in The Hill have flood insurance premiums that differ by over $1,000? And how can one document unlock major savings for your property? In many Hill neighborhoods, the difference comes down to an often-overlooked…

Wondering whether to choose NFIP or private flood insurance for your Soulard home? And how do pricing, basement coverage, and contents protection really compare in 2025? This article breaks down exactly how both options work, what drives the cost differences,…

Why does your neighbor on The Hill pay less than $600 for flood insurance while yours costs over $4,600? How can premiums vary so drastically between homes just blocks apart? In this article, you’ll learn the five core factors driving…

If you live in Soulard, you probably know flood insurance isn’t optional, but overpaying is. Flood coverage is a must-have for many homes in Soulard. But here’s what most homeowners don’t realize: your specific property details, not just your flood…

Wondering how much contents coverage will raise your flood insurance premium? If you live in The Hill, you’ve likely already asked, “What’s my building coverage?” But the next question usually comes fast: “Do I really need contents coverage, and how…

Introduction Welcome to your essential guide tailored for investors looking to dive into the lucrative world of rental properties, focusing on mastering flood insurance and bank requirements, an excellent way to invest in real estate for beginners. Drawing insights from…

Why Soulard Flood Insurance Costs Vary So Much 7 Real Factors That Impact Your Price in 2025 Why do two nearly identical homes in Soulard pay thousands more or less for flood insurance? And more importantly, what can you do…

Why Are You Paying So Much for Flood Insurance? Could one document cut your premiums by 80%? If you own a home in St. Louis and your flood insurance premiums feel painfully high, you’re not imagining things. Living near the…

 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….

How Much Does Flood Insurance Cost in The Hill, St. Louis in 2025? If you live in The Hill, you’ve likely asked: “How much is flood insurance going to cost me?” Whether you own a classic brick bungalow near the…

Are You Overpaying for Flood Insurance Without Knowing It? Is your current flood insurance costing you thousands and still leaving you underinsured?Many Alabama homeowners don’t realize they have options beyond the National Flood Insurance Program (NFIP). Those who do switch…

The Perfect Storm of Government Failure If you think the government’s flood insurance program will protect you when disaster strikes, think again. During a federal shutdown, the NFIP goes offline—leaving thousands of newly mapped homeowners exposed. This isn’t opinion. It’s…

Houston Flood Insurance Options During the 2025 Government Shutdown: Your Complete Guide “` Last Updated: October 8, 2025 You’re trying to buy a home in Houston. Your closing is scheduled. Then you get the call: “We need flood insurance, but…

The Deal Killer Nobody Talks About (Until It’s Too Late) You’ve done everything right. Your buyers are pre-approved, the inspection cleared, the appraisal came in. You’re three days from closing. Then the text comes in: “My lender says we need…

Published: October 5, 2025 | Updated: October 5, 2025 | By Chris Greene, Flood Insurance Specialist Bottom Line Up Front: Yes, you can transfer (assume) an existing NFIP flood insurance policy during a government shutdown—but only if the existing coverage…

Will a Government Shutdown Raise Flood Insurance Costs? Short Answer: No, a government shutdown won’t raise your flood insurance premiums. But it can delay your ability to get or renew coverage—especially through the National Flood Insurance Program (NFIP)—and that could…

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…

Escrow Shock: How Flood Insurance Hikes Can Spike Your Mortgage Payment Have your mortgage payments unexpectedly jumped? If your home is in a flood zone and your flood insurance premium increased, your mortgage could rise too — and fast. I’m…

 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…

Buying a home shouldn’t mean overpaying for flood insurance. Yet in Alabama, thousands of homeowners are doing exactly that, without knowing it. Are you closing on your dream home in Alabama, but the flood insurance quote is giving you second…

The $75,000 Mistake Most Alabama Homeowners Are Making Are you paying thousands more than necessary for Alabama flood insurance?What if a single $600 document could unlock $75,000+ in lifetime savings? That’s the reality many homeowners face. Most don’t realize their…

Have you budgeted for flood insurance only to be blindsided at closing? Or maybe your lender quoted you one number, but by year’s end, you paid double or more? You’re not alone. Many Alabama homeowners are shocked by the true…

Owned by Murray McKinnon – ON Vehicle: 1969 Chevrolet CamaroColour: Blue with black interiorEngine: 350 ZZ4 crateMileage: 9,000 miles since restorationOwned since: 2010 For Murray McKinnon, the 1969 Camaro has always been his dream car. He finally made it a…

Worried your flooded rental property might cost more than it should?Unsure how to document damage correctly to avoid insurance headaches? If you’re staring at soaked drywall and panicked tenants, you’re not alone—and one misstep can derail your recovery. Whether you’re…

Worried your flooded rental property might cost more than it should?Unsure how to document damage correctly to avoid insurance headaches? If you’re staring at soaked drywall and panicked tenants, you’re not alone—and one misstep can derail your recovery. Whether you’re…

Does that bloated premium look more like a hidden tax on rental returns?This guide explains how to assess and reduce flood insurance premiums—often by 25–50%—without sacrificing coverage. It covers: Hidden factors that inflate flood-insurance premiums Cost-reduction tactics suitable for implementation…

Are you suddenly facing a flood insurance requirement for a property you’ve owned for years without one? Wondering how a new lender can change the rules midstream—and what your options really are? You’re not alone. Many real estate investors are…

Are you suddenly facing a flood insurance requirement for a property you’ve owned for years without one? Wondering how a new lender can change the rules midstream—and what your options really are? You’re not alone. Many real estate investors are…

Are You Required to Have Flood Insurance in Alabama? What Lenders Don’t Tell You—Until It’s Too Late Have you just found out—right before closing—that you need flood insurance to buy your Alabama home?Are you unsure how much it’ll cost, or…

Residential Flood Insurance · Alabama The Difference Between Flood Zone AE, A, and X—And What That Means for Your Wallet in Alabama Why are some Alabama homeowners paying hundreds—or even thousands—more for flood insurance than their neighbors? The answer often…

 Posted On August 15, 2025 Written by Dave Stewart Zehr Insurance Brokers Ltd. Rain is a farmer’s best friend, but when it disappears for weeks or even months, it can turn everything upside down. Drought doesn’t just stress the…

Did a recent flood leave you overwhelmed, wondering where to even begin cleaning up?Are you worried about health hazards, insurance claims, and how to rebuild stronger this time around? This comprehensive guide is your emergency roadmap. You’ll learn how to…

Chattanooga Flash Flood: August 12, 2025 Rainfall & Insurance Tips for Homeowners When heavy rain fell across Chattanooga, TN and Fort Oglethorpe, GA on August 12, 2025, it turned streets into rivers in just hours. For homeowners, this wasn’t just…

Why does your mortgage company suddenly become your biggest obstacle after a flood? And why do so many homeowners find themselves fighting to access insurance money they desperately need to rebuild? When floodwaters devastate your home, filing an insurance claim…

Are your investment properties really protected against flood damage? Do you know the critical differences between admitted and non-admitted flood insurance—and how that could save (or cost) you thousands? This article will give you everything you need to confidently navigate…

How much can an insurance adjuster impact your investment recovery after a flood? Are you prepared to navigate the most influential relationship in the flood insurance process? Floods can devastate property and profits alike—but how you recover financially often hinges…

Owned by Mike Farrugia – ON For Mike Farrugia, one of our trusted appraisers, the 1986 Caprice Classic is more than a car — it’s a connection to the past. At 17, Mike’s first car was a worn ’86 Caprice….

Are you confident your “safe” investment won’t flood? What happens when a major storm overwhelms areas FEMA maps say are low-risk? I’ll show you why properties outside designated flood zones still face significant flood exposure—and how a smart insurance strategy…

Ever stared at your flood claim estimate and felt like it was written in another language?Worried that missing a single line item could leave you out thousands? I’m Chris Greene, and I’ve walked through more muddy basements than I can…

A Strategic Guide for Real Estate Investors Are you eyeing a property that’s partly in a flood zone and wondering what that means for your bottom line?Concerned about how it could impact financing, insurance premiums, or resale value? Properties that…

Flood damage ranks among the costliest disasters a homeowner or renter can face—and it’s frequently misunderstood. While most standard policies for homes and apartments cover fire, theft, and wind damage, they typically exclude losses from rising water. A separate flood…

Farm Safety Rules Every Parent Should Follow to Protect Kids Keeping kids safe requires constant attention, clear rules and leading by example. Here are some essential guidelines for practicing safety: Keep Play Areas Far from Equipment. Designate safe zones for…

Owned by Joe Ippolito – ON Car: 1972 Oldsmobile CutlassColor: Blue with black accentsEngine: 350 V8Mileage: 117,650 kmCondition: Fully Restored This month’s spotlight shines on Joe Ippolito’s beautifully restored 1972 Oldsmobile Cutlass. Joe first owned this car at 16, sold it in 1992, and managed…

More Articles Cyber Security: What to look for and avoid Oct 15, 2025 | Agricultural/Farm Insurance, Business Insurance, Zehr Blog Cybersecurity isn’t just a big-city problem, it’s a real concern for rural businesses and family farms alike. read more 1967…

Owned by Corey Finkelstein – ON Mayhem & Memories: Corey Finkelstein, Manager Vintage CARS ’64 Beetle That Won’t Quit Meet the little red Beetle that’s been part of my life longer than some of my friends. I bought it in…