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 [...]

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 [...]

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 [...]

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. [...]

Wouldn’t it be nice if we could eliminate the need to worry about fire in the home?  To have fire-proof walls and floors would be great!  But in order to completely eliminate the risk, you would have to make most of your furniture out of steel, rock and glass.  Patrick from Spongebob Squarepants probably has [...]

A live Christmas tree is a joy to have in the home.  It is beautiful, pre-assembled, and it smells wonderful!   However, these innocent trees are a potential fire hazard in the home.  Did you know that live Christmas trees are responsible for 13 million dollars of property damage each year? If a live tree [...]

In the 20+ years that I have been in insurance, I have come across several misconceptions that my clients have regarding their insurance coverage. Take a look below – do you fall into any of these categories?

Misconception 1: “I don’t live in a flood zone, so I don’t need flood insurance.”

The tornadoes in the Joplin, MO and Yukon, OK. areas this past week have been devastating. Our hearts go out to all the victims and those effected by the tornado activity over the past week.

It seems that mother nature is not picky about where she strikes. We even had a few tornadoes hit North Texas a couple days ago and in Houston, we even had a hail storm at 1:30 am last night!