FYI, Homeowners Policies DO NOT Cover Flooding

Your regular homeowners policy does not cover flooding. But a flood insurance policy does.

• Flooding is the #1 natural disaster.
  
• Flood damage is not covered by most homeowners insurance policies.
  
• 25% of flood claims are filed by people living in low-to-moderate risk areas.
  
• In high-risk areas, 1 in 4 homes will experience a flood over the course of a 30-year mortgage.
  
• Only 2 inches of water in your home can cost $7,800 or more in damage. (Can you guess what 1 foot would be? Find out the cost with this interactive tool from FloodSmart.gov.)
  
• Disaster assistance- if it's available- is usually a loan you must repay with interest.
  
• Flood insurance is mandatory if you live in a high-risk area and have a mortgage from a federally regulated lender. Check with your lender for details.

Aren't those enough reasons to protect yourself from flood?
If you haven't already, now is the time. Call us 1-888-867-2866, e-mail us, or request a flood quote from the web today.

Flood insurance rates are all federally regulated by FEMA which means, it's the same cost anywhere you go. So why not shop with the Agency that cares, the agency you trust?

Remember, all flood insurance policies have a standard 30 day waiting period!


Thanks to FloodSmart.gov

Energy Efficiency Improvements Tax Incentive

The $8,000 New Home Buyer Tax Credit (along with the Cash-for-Clunkers) may have dominated the headlines recently, but some energy efficiency Tax Credits offered by the federal government could be even more useful for the average homeowner. You may be eligible for a tax credit equal to 30 percent of the cost of materials (up to $1,500) for certain products purchased between January 1, 2009 and December 31st, 2010.

Click below for the rating specifications for eligible energy efficiency products or request the document from us: info@sav-on.com.


Thanks to Prudential