Elzey Insurance

Long gone are the days when traveling merchants were the only people who needed insurance.  We live life in a fast-spinning world laden with financial and security risks.  If we do not take steps to eliminate or reduce those risks, our livelihoods, homes, cars, and even our lives are in danger.  Insurance is designed to [...]

Did you get a pearl necklace for Christmas?  Planning to give her some diamond earrings for Valentine’s Day? How about the fact that a typical homeowner’s insurance policy only covers $1,500 worth of jewelry? If your jewelry is worth more than the sublimit on your homeowner’s policy, you should consider purchasing specific insurance to cover [...]

Let’s face it: Stuff breaks. Taking stuff to get fixed is expensive.  However, there is a quick (sometimes temporary) fix for almost any broken household item.  That fix is called. . . DUCT TAPE! Yup, you heard right. Duct tape. And no, it is not something used to tape ducks together.  Though it was originally [...]

Throughout the “Under-Insured?” series over January, several topics were covered.  It may be difficult to keep all of these different ideas straight, so here is a checklist that you can use when shopping for new Homeowner’s insurance: Get a good agent!  An agent who is only concerned with getting your business will try to cut [...]

This part of our “Under-Insured?” series doe not directly deal with the topic of underinsurance, but instead with how your rates are determined.  Because of financial circumstances, many people are tempted to cut coverage in order to lower their premiums. Here at Elzey Insurance, we know it is of the utmost importance to get the best [...]

Believe it or not, some of the most devastating disasters are not covered by the standard homeowners insurance policy. Damage from a flood or earthquake is not covered unless paid for with an extra premium.  Most people think of rising streams, rivers, lakes and oceans when they think of flood. But 67% of all flood [...]

The changes between different policies can between different agents within a company.  Insurance agents are under intense pressure to make sales. One way an agent can keep the price down is aim low in valuing houses. The goal, they say, is to keep premiums down to keep customers from going to competitors, and sometimes even [...]

Generally, insurance agents complete a replacement cost estimator to determine how much money rebuilding your home would cost. However, the calculations have been done incorrectly!  Most insurance companies were estimating the cost of building a new home. However, due to the current nature of home construction, home building costs could vary dramatically from rebuilding a [...]

So here’s a question to consider. Suppose your home is suddenly destroyed by a disaster, like a wildfire, hurricane, tornado,  flood, windstorm, lightning, explosion or any other type disaster!  How confident are you that your home would be rebuilt, your belongings would be replaced, and the ONLY EXPENSE you would have is your deductible? Most [...]

In light of the drought we have had recently, it is good to finally see some rain hitting the Houston area.   The dust is being washed away, cars are getting clean, trees get a nice drink, and the grass just might be green again!  While this deluge is welcome, the flash floods accompanying it are not. [...]