HELLO APRIL!

I wanted to touch base this month about the importance of renters insurance — even if you don’t currently rent your home. Chances are, at some point in your lifetime, you or a loved one will rent. When you do, I want you to have the peace of mind that your belongings are protected. 

The bottom line is this: Everyone who rents should have renters insurance to safeguard their personal belongings in an unexpected event or loss — including college students who live on- or off-campus. Here’s what you need to know:

1. Renters insurance covers the personal belongings of people living in a rental house, apartment, or another dwelling.
2. It covers loss or damage due to theft, fire, or other covered events like debris removal or food spoilage, as well as liability coverage if someone is injured while in your rental home.
3. Your landlord's insurance only covers the physical structure of the building, not your personal belongings.
4. If you rent, you're a good candidate for renters insurance, but it's imperative if you have expensive electronics, jewelry, or collectibles you want to protect.
5. Renters insurance does not cover water damage, earthquakes, sinkholes, bed bugs and other pests, car damage, or your roommate's belongings.

If you already have renters insurance, I’m happy to look it over to ensure it still meets your needs. And if you have any questions or would like to receive a policy quote, please don't hesitate to reach out. It will just take a few minutes of your time.

 We’ve rounded up several articles from around the web that are particularly relevant for this time of year. Enjoy! 

• If you’re planning to buy or sell this spring or summer, here’s what you need to know about the 2023 market.
• Got a minute? What about 11? That’s the length of time a new study says could positively impact your health.
• As warmer temps and longer days draw you and your family outside, you may want to spruce up the yard for the spring and summer ahead. Do it on a dime with some inspiration from Better Homes and Gardens.
• Easter is Sunday, April 9. And if you’re looking for another option than dyed eggs this year, check out these DIY Marbled Indigo Eggs. All you need is blue nail polish (and gloves if you can’t stand the mess!).
• Need some good news at work this month? Look no further than “Bare Minimum Mondays” - the latest workplace trend. 

April is full of important dates to mark on your calendar. Here are some of them:

• April is Autism Acceptance Month. It's a time to celebrate the uniqueness of individuals on the autism spectrum and to promote acceptance and inclusion in society. This month, consider educating yourself about autism and supporting organizations that provide resources and support to individuals and families affected by autism.
• April 1 is April Fool's Day! Embrace your inner prankster and have some fun. It's the perfect weekend for family-friendly pranks.
• April 7 is World Health Day, and this year's theme is "Health for All." Let's envision a world where everyone has access to essential health services and can live fulfilling, peaceful, and prosperous lives.
• April 10 is National Siblings Day. Take some time to show your siblings some love and appreciation. And why not celebrate with a movie? Check out "Dan, In Real Life" with Steve Carell.
• April 18 is National Tax Day. Don't forget to file your return and take advantage of insurance-related tax deductions.
• April 22 is Earth Day. Did you know that the average person in the U.S. produces 4.9 pounds of waste daily? Let's consider ways to reduce waste and check out local Earth Day events and clean-ups.
• April 29 is National Shrimp Scampi Day! This delicious dish is perfect for a cozy Saturday night at home. Check out Tyler Florence's recipe, or try one from Pioneer Woman.

Flood insurance is a type of insurance policy that covers damages caused by flooding. While many homeowners and renters insurance policies provide coverage for a range of natural disasters, such as fires and earthquakes, they typically exclude flooding. This is where flood insurance becomes crucial.

Floods can happen anywhere, at any time, and without warning. Even if you live in an area that is not traditionally prone to flooding, unexpected weather patterns or construction in your community can increase your risk. Flood damage can be expensive to repair and often requires specialized cleaning and restoration services.

In fact, according to the Federal Emergency Management Agency (FEMA), just one inch of water in a home can cost up to $25,000 in damage. That’s a staggering amount, especially considering that the average flood insurance policy costs just a fraction of that amount each year.

Flood insurance policies are available through the National Flood Insurance Program (NFIP), which is administered by FEMA, as well as through private insurers. The cost of your policy will depend on a variety of factors, including the location of your home, the age and construction of your property, and the level of risk in your area.

It’s important to note that flood insurance policies typically have a 30-day waiting period before they take effect, so it’s best to purchase a policy well in advance of any potential flooding event.

In short, flood insurance is an important investment for any homeowner or renter. While no one can predict when or where a flood will occur, having the right insurance coverage can help protect you from the devastating financial impact of flood damage.

GET A QUOTE NOW!