Elzey Insurance

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 [...]

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 [...]