What the Flood?


Flood insurance is one of the most overlooked insurance policies in the industry. Several years ago, a friend of the family, was struck by tragedy. A small flood inundated his newly purchased home. As small as the flood may have been, the bill was not. The flood caused more than $80,000 in damages to his home. Luckily, he carried a flood insurance policy to cover the damages, but the stress was the largest burden. For this very reason, it is important to find a reliable insurance agency to help with the stress that follows making insurance claims.  

 In Florida, we have the luxury of dealing with hurricanes and other severe storm threats. According to the Sun Sentinel, “Nine days after Hurricane Irma hit our state, policyholders have filed 496,532 insurance claims worth an estimated $3.1 billion.” Do you have flood insurance? Do you know if you live in a flood zone? Several Floridians that are required to obtain flood insurance by their mortgage companies due to living in a certain hazard zone do not even carry the proper insurance. The simple fact they are missing the vital insurance to cover their claims made it challenging to recoup any monetary loss.

What if you do not live in a Flood Hazard Zone? Do you need flood insurance? The simple answer is no; Flood insurance is not required by your lender. Although you are not required to carry a flood policy that does not mean you should not. What would happened if my friend hadn’t chose to carry the flood insurance? A typical homeowner’s policy does not cover flood insurance that generates outside your home. My opinion, flood insurance in Florida is vital to the protection of your home or business. A typical flood insurance policy averages about $58 a month and it is well worth it. Give us a call today for a free quote!



Insurance Made Simple at A Kilbride


Life is full of difficult decisions. Where do I live? Should I rent or should I buy? Own or lease? Every decision has its own unique outcome. No matter which one you chose, the easiest decision should be insurance. Whether you chose to rent or own, lease or buy, does not change the fact that you will need quality insurance to protect you from anything that life decides to throw at you. Why make the choice a complicated one?

I have been there before, calling numerous insurance companies to obtain quote after quote after quote. Too expensive here and not enough coverage there. Where does the madness end? The importance of choosing the best coverage to protect you and your family is way too important to attempt on your own. There are thousands of licensed insurance agents available to help you make the decision by providing you with several options. No more calling numerous insurance companies to receive ridiculous quotes and zero explanation. Find an insurance agency that prides itself on the ability to provide several quotes, explanations and will treat you like you are already a part of the family.

A Kilbride Insurance wants to make you part of our family business that has been in operation for more than 60 years. We provide homeowners, renters insurance, and flood. Call us today at (813) 238-7467 and we will provide you with multiple options at the most affordable rate.