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 [...]

We enjoy life, don’t we? All of us are born, grow up, grow old, and pass on.  In between growing up and growing old, most of us work hard, fall in love, get married, have kids, go on vacation and enjoy life.  However, we are all mortal.  Each time you get in a car, ride [...]

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 [...]

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 [...]

Christmas is almost here!  With the shopping winding down, take a look at the new things your family acquired this season.  Was it a new TV?  Perhaps a new washer and dryer for mom?  Or did you go all out and get that ‘someday’ gift that you’ve been wanting for years?  Regardless of the present, it is [...]

There are many days to monitor Hurricane Katia far out in the central Atlantic Ocean. It is too early to determine if it will ever affect any land areas. But closer to home, we have a more immediate concern. Depicted in the graphic above over the Gulf of Mexico is a tropical disturbance with collocated shower and thunderstorm activity. Numerous computer models forecast this system developing into a tropical depression or tropical storm later this week.

Tropical Storm Don last week was the first named storm to enter into the Gulf of Mexico this 2011 Storm Season – and it definitely won’t be the last. You may start to hear several phrases such as “Tropical Storm Warning” or “Hurricane Watch.” If you are not already familiar with these terms, here is your introduction to Storm Season Terminology courtesy of the National Hurricane Center!

It looks as though Tropical Storm Don is heading toward Texas. This is the first tropical storm we have had this year – are you prepared? Here is a quick reference sheet to help you!

The U.S. Department of Homeland Security’s Federal Emergency Management Agency (FEMA) has announced that federal disaster assistance has been made available to the state of Texas to supplement state and local recovery efforts in the area struck by wildfires during the period of April 6 to May 3, 2011. The lack of rain in our [...]