Elzey Insurance

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 [...]

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 [...]

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. [...]

We all know we need insurance. But what’s the best way to purchase it? How do you know what’s right for you? Here are some great tips to keep in mind when you purchase insurance. What do you need? No one understands your financial situation better than you.  Financial Highway recommends that you can get [...]

No one likes the nasty surprise of opening their renewal insurance policy and finding the rate has gone up a few hundred dollars. If you find your insurance premium has changed from the premium you paid last year here are a few things to consider.

Here is a list of insurance terms that can seem confusing when you hear them all at once, but hopefully these explanations will answer your questions. If you are looking for a term that is not listed, there is a link that will lead you to a website full of insurance definitions Adjuster – A representative of the [...]