Floods are the most common natural disaster in the United States. In California, we have many areas that are low lying and susceptible to flooding. In addition to that, we have coastal areas that are susceptible to tsunami and tidal waves, which are considered forms of flooding. California Floods are not covered by your Homeowners or Commercial Property Coverage. Flood Insurance is a coverage that must be purchased separately.
If you live in a Special Flood Hazard area and have a loan on your property, your lender will require you to obtain flood insurance. But don’t worry, despite what you may have heard, Flood Insurance rates are not a deal killer. In addition to the National Flood Insurance Program (NFIP), Steve Muehler - Insurance has several Private Flood Insurance Programs. Premiums for Private Flood Insurance in California can be as much as 50% less than the NFIP.
Why all of our Insurance Applications are reviewed by our Firm prior to issuing a CUSTOM INUSURANCE QUOTE to you!
Misunderstanding: The first reason buying insurance online can be dangerous is because the "online quotes" and the "policies" can be misunderstood and there are few chances to have those misunderstandings explained to you be an industry expert prior to purchasing the insurance policy.
Custom Quotes and Policies are more difficult to set up: Every individual, family, and business is different, and the insurance needs are always different. An online quote and policy purchase is not necessarily able to create a custom policy around those needs of your family or business. This means you will most likely get a general policy that is good for the average person, but not necessarily what is best for you. Odds are, with a Custom Quote, you can "get more for less."
Not assigned an individual agent to handle coverage: After buying insurance online you may feel covered and protected. Having one client assigned to you for every potential claim you have to file is a big advantage that you may be missing out on when buying insurance online. An individual who knows your entire history from purchase to claim will be able to fight for you better than someone who was randomly assigned for that one claim after buying online.
Adjusting your policy: As business and families grow and change, your insurance policy should change with it to make sure everything, and more importantly, everyone is covered. If buying insurance online, you will rarely speak to the same agent twice and will lose that initial time savings by needing to explain the changing circumstances around your family or business' insurance needs.
Lack location specific assistance: Online quotes and purchasing sites give you the ability to see a standard policy for your area. However, what it doesn't take into account is the individual needs for your exact location and your family and business needs based on that information.
1055 West 7th Street
Los Angeles, California 90017
Phone: (310) 779-7226