Call: 203-637-6655  or email – Kyle Shepard

Home Construction
Comprehensive Coverage / Home Insurance / Protecting Assets May 10, 2022

Increasing Construction Costs!

Increasing Construction Costs! A significant Challenge to Home Replacement Cost. Almost every home insurance policy includes replacement cost language that becomes very important if you ever have a claim. And now with inflation hitting the construction of new and renovated homes, the language is becoming even more important. "when you are insuring a vital asset [...] Read More
Flood Map
Comprehensive Coverage / Home Insurance / Protecting Assets April 12, 2022

Rising Premiums in Flood Insurance

Rising Premiums in Flood Insurance Assume the Location We have blogged in the past about Risk Rating 2.0, and the future of Flood insurance. The ability to assume a Flood policy is a significant benefit in controlling the flood insurance cost that is driven by the mortgage of a new buyer. From our limited experience, [...] Read More
Comprehensive Coverage / Home Insurance / Protecting Assets April 5, 2022

Florida Residential Insurance Options Continue to Blow Away

Florida Residential Insurance Options Continue to Blow Away Migration to Citizens in Overdrive Despite the timing of the last Hurricane in 2017 (Irma), Florida options on residential insurance continue to evaporate. With two significant Florida insurers declaring insolvency in the last two months, the flow of home and commercial insurance policies has gone to Citizens [...] Read More
Three Property Insurance Options for Residential Construction
Comprehensive Coverage / Home Insurance / Protecting Assets March 15, 2022

Property Insurance Options for New Home Construction

Property Insurance Options for New Home Construction Builder’s Insurance - once you select the builder in constructing your new home, and have established the final cost excluding site work, your first option in property coverage is to have the builder implement coverage to insure the build. In our opinion as insurance agents, this is a [...] Read More
Bench Being Flooded During a Storm
Comprehensive Coverage / Home Insurance / Protecting Assets February 22, 2022

Flood Insurance

Flood Insurance The Need is Obvious, the Cost Not So Certain In the aftermath of Elsa, Fred, Henri and then Ida the need for Flood Insurance has become an important topic. To be clear all flood insurance is issued by NFIP, the National Flood Insurance Program, or 3rd party insurers like Wright National Flood Insurance [...] Read More
Water Flowing Down Steps
Protecting Assets February 8, 2022

Water Damage

Water Damage Elsa, Henri and Ida providing coverage intel and change Living through 3 massive rainstorms within a 60 day period last summer, one of which was referred to as a 500 year storm, provided an education as we move forward with climate change. "flood is one of the written exclusions on all home policies" [...] Read More