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C.T. Lowndes & Company Blog: insurance

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Follow these suggestions to prevent your water pipes from freezing in cold weather Your home or place of business should have a cutoff valve so that the water to the building can be cut off. Close this valve and then drain the water from the pipes inside by opening all valves and allowing the water to drain out. READ MORE >>

Congress has passed legislation (Biggert Waters Flood Insurance Reform Act of 2012) that greatly alters the National Flood Insurance Program (NFIP) and, in some cases, this legislation will cause an increase in premiums. Will the new legislation affect my flood policy? It may. READ MORE >>

The South Carolina Department of Insurance is concerned about the effects of the Biggert Waters Flood Insurance Reform Act (BW12) and is anxious to hear from persons who have been greatly affected by large increases in premium. Mississippi has filed a lawsuit against FEMA regarding BW12. READ MORE >>

The recent heavy and frequent rains have created a couple of headline-making sinkholes in the area. Does the standard ISO HO-3 or DP-3 policy provide coverage if a house falls into a sinkhole? The short answer is “No“. Under General Exclusions, the Earth Movement section excludes “any other earth movement including earth sinking…” READ MORE >>

The last blog talked about premium credits that may be available on your personal auto policy. Here are some credits that apply to homeowners policies. Again, keep in mind that not all companies offer every one of these discounts. Have your auto and home insurance with the same agent, have your home and auto coverage with the same insurance company. READ MORE >>

Although insurance premiums increase all the time, insurance companies do give many discounts that allow your premium to be reduce. You are probably familiar with credits for multicar cars on one policy, good student discounts, and claim free discounts but there are many other discounts as well. READ MORE >>

Why is my Flood insurance premium going up? In a nutshell, the National Flood Insurance Program (NFIP) is broke! Hurricane Katrina (2005) caused the program to rack up massive debt ($18 billion) and Super Storm Sandy of 2012 has added to the debt. READ MORE >>

Do you have protection for your four-legged family members when they are riding with you? With Progressive’s Pet Injury coverage your auto, boat, RV, and commercial insurance policies protect your dog and cat if they are injured in an accident while riding with you. READ MORE >>

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