Category: Insurance

Flood Insurance or hurricane coverage what do I need?

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In areas of the United States that are prone to hurricane’s, homeowners may be required to have flood coverage based on the zoning regulations in your area. Those not zoned to have high flood risk may want to consider adding flood coverage because your homeowners insurance may not be enough. Floods can occur anywhere and unlike homeowners or hurricane coverage, flood insurance will protect your property even if the area has not been declared a disaster by the federal government.

In states that are higher risk for hurricanes like Florida, Texas, Louisiana, North and South Carolina, Alabama, Georgia, Mississippi, New York and Virginia your homeowners most likely will have a higher deductible specifically for hurricane claims. Make sure to discuss options to lower your deductible or at least be prepared for the large deductible in case you need to make a claim. Your insurance agent can review your policy with you and assist you with this.

Peace of mind during any weather event is a top priority and taking the steps for preparation will ensure you have the protection you need. Steps you should take to prepare for a hurricane: 1. Have emergency water and non-perishable food. 2. Get a first aid kit and include at least a one-month supply of your medications. 3. Backup power sources to charge your phone and batteries for your flashlights. 4. Prepare a way to store and/or carry with you your important documents, i.e. medical documents, personal identification, wills, and insurance information.

Hurricane season officially begins on June 1st of each year so be sure to schedule a meeting with your insurance agent now to review your coverage and discuss options. Protecting your home is a step toward protecting your legacy.

Call us at Clockwork Insurance Services to discuss taking those steps to protect your legacy today at 504-262-8240

Safeguarding Your Jewelry While Traveling

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The wedding is over, and you are heading to your honeymoon to celebrate! How do you protect your jewelry while you are zip lining over a tropical island?

You realize homeowners and renters’ insurance have major limitations on jewelry coverage. It certainly won’t cover your jewelry when you are flying out of state or out of the country for vacation.

Clockwork Insurance Services has some tips on safeguarding your precious jewelry while traveling along with options for personal jewelry insurance that will help you to really relax and enjoy that vacation or honeymoon.

-Never put your jewelry in a checked bag.

-Don’t flash your jewelry while traveling.

-Don’t leave your jewels in your hotel room, if you must, put in a hotel safe.

And most important make sure you have your jewelry fully insured.

For a quote on coverage go to: https://www.clockworkinsurance.com.

We all want to be able to truly relax while traveling whether it is for pleasure or business. Leaving your most valuable jewelry at home is an option but many times we want to wear our wedding rings and other important pieces to events while out of town. Get covered to add that layer of security while traveling.

Shopping for Jewelry? Protect your investment.

Posted on by Tyler Wright

You just absolutely love the ring!

This necklace has so much meaning and sentimental value to you and your family, as it was passed down from your great grandmother. These are feelings we understand.

Clockwork Insurance can cover that jewelry and ensure your concerns about loss or theft are calmed. To get a quote on what your jewelry insurance will cost, go to our home page at: https://www.clockworkinsurance.com and simply choose Personal Jewelry Insurance in the “Request a Quote” drop down menu then hit QUOTE IT. It really is that simple. You will fill in a form with basic information and we at Clockwork Insurance will take it from there.

Did you know that most homeowner policies have a cap on jewelry coverage? Purchasing insurance for your precious pieces is a way to ensure you can enjoy wearing them with the confidence of protection, should something happen. Whether lost, stolen, damaged or just mysteriously disappeared, you can be covered.

There are two basic types of coverage to consider. You can cover your jewelry with reimbursement coverage or with replacement cost coverage. If you are interested in reading about the types of coverage available you can check out this article on the Jewelers Mutual site: https://www.jewelersmutual.com/the-jewelry-box/how-does-jewelry-insurance-work-replacement-vs-reimbursement .

Feel good about buying that perfect piece of jewelry to show your loved one how you feel. Jewelry Insurance coverage is more affordable than you think and helps with your peace of mind.

Do I Need Home Insurance?

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Home Insurance: While it’s not a legal requirement, your mortgage lender may make it a requirement. What’s more, it’s just a good idea overall. A home is a big investment after all, and you want your investment protected should disaster fall. Disasters can happen at any time, so it is highly recommended that you get home insurance to save yourself from financial loss when such things happen. Otherwise, you’d have to pay for repairs out of pocket.

Why Does a Mortgage Lender Require Home Insurance?

If you take out a mortgage, your house is used as the collateral for the loan. In this case, the lender will also be invested in your house as they can claim it if the loan is not paid back. If a disaster damages your house before the loan is paid off, insurance will pay to fix the damages. If you live in an area that makes your house more liable to damage (say, an area that is frequently flooded), you may have to purchase beyond the standard home insurance policy. 

What Does Home Insurance Cover?

Home insurance covers the cost of repairs should your home be damaged or the victim of theft or vandalism. Home insurance can also cover the repair or replacement of personal items such as furniture, clothes, electronics, appliances, and more. If someone is injured on your property, home insurance will take care of their medical costs. If the place you live in becomes too hazardous for life, you can even be decompensated for living expenses. 

Clockwork Insurance Services Is Here To Serve The Greater Metairie, LA Region

If you are in the Metairie, LA area, and you need home insurance, please contact Clockwork Insurance Services. Our knowledgeable and courteous agents will work tirelessly to provide you with the correct insurance policy to suit your needs and guarantee your satisfaction. 

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