Insurance Agency News

Seeing Flood Zone AE on a Jacksonville flood map can feel like an instant deal breaker.Does it automatically mean high flood insurance costs and closing delays? Flood Zone AE often gets the blame, but it is rarely the real problem….

If you currently pay flood insurance, there is a good chance you feel uneasy. NFIP premiums keep rising, renewal notices feel unpredictable, and many homeowners are left wondering if private flood insurance is a legitimate alternative or a risky shortcut….

Is private flood insurance actually cheaper than NFIP in Houston?Or does the answer depend on your flood zone, ZIP code, and even your street? If you are buying flood insurance in Houston, you have probably heard that private flood insurance…

Floodplain Expansion +43% 130 sq. miles added Last Map Update 2007 19 years ago Properties Since Harvey 65,000 built in flood zones New Rainfall Estimate 17″ in 24 hours (was 13″) What Just Happened On February 10, 2026, FEMA quietly…

Have you recently paid off your mortgage and felt a wave of relief and pride?Are you now wondering if you can start cutting costs, maybe by canceling flood insurance that your lender once required? In this article, you’ll learn the…

Are your monthly mortgage payments increasing and you are not sure why? For many Alabama homeowners, the answer is hidden inside the escrow account. Rising flood insurance premiums from FEMA are quietly inflating payments month after month. In this article,…

Are you wondering what flood insurance in Alabama actually costs, without the vague “it depends” answers? Frustrated by national averages that don’t apply to your property in Huntsville, Birmingham, or Mobile? You’re not alone. Flood insurance pricing is all over…

The real estate landscape in Connecticut is about to change. At The Flood Insurance Guru, we’ve seen firsthand how flood risk has long been hidden behind complex maps and technical language. For years, many investors purchased properties unaware of their…

You’re paying $3,800 a year for flood insurance on your Fairfield property. That’s more than your property taxes. More than your homeowners insurance. It’s straining your budget and you wonder: “Is there any legal way to reduce this?” You’re not…

If you live in Harris County and recently opened your FEMA renewal letter, you might have felt a sudden wave of financial stress. Many homeowners are seeing repeat increases, often up to 18 percent, and are left wondering why. Flood…

Real estate investing is all about numbers: purchase price, rehab budget, and cash flow. But one expense blindsides even seasoned investors, flood insurance buried in closing costs. This oversight has derailed deals, wiped out profits, and forced investors to abandon…

In 2026, flood insurance pricing is more confusing than ever. Across the country, homeowners are experiencing significant changes in premiums, largely driven by FEMA’s Risk Rating 2.0. For many, the new system feels unclear, unpredictable, and unfair. This guide breaks…

Are you wondering what flood insurance will actually cost you in Florida this year? If so, you’re not alone. Florida leads the nation in flood insurance policies, but most online answers to “how much does flood insurance cost in Florida?”…

Are You Overpaying for Flood Insurance Because of a Walkout Basement? If you own a home in Hoover, Alabama, especially in neighborhoods like Riverchase, Greystone, or Lake Cyrus, a finished basement is a huge value add. It might be your…

Why do flood insurance costs seem to change at the worst possible moment, often right before closing? If you are buying or owning a home in Jacksonville, you are likely seeing it firsthand. Flood insurance premiums that jump without warning,…

If you are a Jacksonville homeowner or buyer, seeing Flood Zone AE on a flood map or lender document can feel overwhelming. Insurance quotes jump, timelines tighten, and suddenly everyone has a different opinion about what Flood Zone AE really…

Did your mortgage payment suddenly jump by $200 to $300 a month without warning? You are not imagining it. This issue is hitting homeowners across Birmingham, especially in flood-prone ZIP codes like 35211, 35124, and areas near Valley Creek. The…

Does Commercial Flood Insurance Cover Inventory in Huntsville? Yes, but there are strict limits. Standard FEMA (NFIP) commercial flood policies cap Business Personal Property (inventory) coverage at $500,000. For businesses with higher inventory values, a Private Commercial Flood Policy is…

Alessandro’s 1941 International KB-5 This month we are featuring a one-of-a-kind 1941 International KB-5 custom rat rod. The project began in 2021 when the owner spotted the truck on the side of the road while heading to a swap meet….

If you’re paying more than $1,000 a year for flood insurance in Alabama, there’s a good chance you’re overpaying, and you’re not alone. Thousands of homeowners are unknowingly spending far more than they should because they’ve never been told about…

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…

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…

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…

Understanding Not-At-Fault Accidents in Washington Not-at-fault Accident Accidents, often characterized by their unexpected nature and lack of intent, are incidents that result from a confluence of factors, frequently preventable. They encompass a range of events from vehicular collisions, often linked…

FOR IMMEDIATE RELEASE South Jordan, Utah. November 20, 2023 – Skyline Insurance Agency proudly announces that Matthias Allred has joined the 2024 Marketplace Circle of Champions. WASHINGTON, DC – Skyline Insurance Agency is proud to announce that Matthias Allred has…