Rochkind Insurance - ABC's of Insurance in Galveston

in Galveston

illustrated by c.moore studio

You found a dream home in Galveston!

...Now what?

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ROCHKIND INSURANCE / 409 409.770.9503 770 9503 / INSURANCEGALVESTON INSURANCEGALVESTON.COM COM

There are 3 types of insurance policies needed when you live on the Texas Gulf Coast:

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3

is also known as

HAZARD INSURANCE 4

ROCHKIND INSURANCE / 409.770.9503 / INSURANCEGALVESTON.COM

Homeowners Insurance covers FIRE VANDALISM & THEFT ROCHKIND INSURANCE / 409.770.9503 / INSURANCEGALVESTON.COM

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Homeowners insurance also covers ACCIDENTAL discharges of water …..

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ROCHKIND INSURANCE / 409.770.9503 / INSURANCEGALVESTON.COM

and liability, for example if someone

SLIPPED & FELL.

ROCHKIND INSURANCE / 409.770.9503 / INSURANCEGALVESTON.COM

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what is windstorm insurance?

provides wind, hail, and wind-driven rain coverage.

and Why do I need it?

Most homeowners insurance companies exclude windstorm coverage from their policies.

Windstorm Insurance fills this gap for Texas coastal counties.

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ROCHKIND INSURANCE / 409 409.770.9503 770 9503 / INSURANCEGALVESTON INSURANCEGALVESTON.COM COM

If there is a hurricane in the gulf, it’s too late– there is no new or increased coverage.

ROCHKIND INSURANCE / 409.770.9503 / INSURANCEGALVESTON.COM

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Texas Windstorm Insurance (TWIA) is the major insurer of Windstorm coverage along the Texas Gulf Coast.

A Certificate of Compliance (WPI-8) is required for new structures built after 1988.

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ROCHKIND INSURANCE / 409.770.9503 / INSURANCEGALVESTON.COM

Want to update your new home? wpi-8 required for: • New structures • Re-Roofs • Additions • Repairs • Alterations • A/C Mechanical

A Certificate of Compliance (WPI-8) is required.

ROCHKIND INSURANCE / 409 409.770.9503 770 9503 / INSURANCEGALVESTON INSURANCEGALVESTON.COM COM

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What does your flood insurance cover?

RISING WATER! KNOW YOUR

RISK! 12

ROCHKIND INSURANCE / 409.770.9503 / INSURANCEGALVESTON.COM

Floods are the nation’s most

COMMON and COSTLY

natural DISASTER! ROCHKIND INSURANCE / 409.770.9503 / INSURANCEGALVESTON.COM

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Ask your realtor about an elevation certificate.

This can help your insurance agent quote your flood policy.

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ROCHKIND INSURANCE / 409.770.9503 / INSURANCEGALVESTON.COM

What is the maximum flood insurance coverage?

Residential is $250k for the building & $100k for the contents ROCHKIND INSURANCE / 409.770.9503 / INSURANCEGALVESTON.COM

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Renewals

Homeowners, Windstorm, and Flood policies renew annually.

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ROCHKIND INSURANCE / 409.770.9503 / INSURANCEGALVESTON.COM

The #1 Question New Galveston Home Buyers Ask! “I’m thinking about buying a house on the island, how much is my insurance going to cost?”

There are many factors that contribute to what your annual premiums will be.

Call your insurance agent to get started.

ROCHKIND INSURANCE / 409.770.9503 / INSURANCEGALVESTON.COM

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Preparing for Hurricane Season

For more Hurricane Tips, visit InsuranceGalveston.com/hurricane-safety-guide.

First, create a list of important phone numbers, especially your insurance provider Galveston residents can sign up for the City of Galveston’s emergency notification emails at www.cityofgalveston. org/196/Emergency-Notification-System City of Galveston emergency management will also post updates to Twitter @GalvestonOEM and Facebook.com/ GalvestonOEM Plan an evacuation route and learn safe routes inland Be ready to drive 20 to 50 miles inland to locate a safe place Pets may not be allowed into emergency shelters for health and space reasons – Plan for pets ahead of time and contact your local humane society

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ROCHKIND INSURANCE / 409.770.9503 / INSURANCEGALVESTON.COM

Preparing for Hurricane Season

For more Hurricane Tips, visit InsuranceGalveston.com/hurricane-safety-guide.

Have disaster supplies on hand, including: •

Flashlight and extra batteries

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Backup Cellphone chargers

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First aid kit and essential medicines

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Non-perishable food and bottled water

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Non-electric can opener

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Cash and credit cards

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Sturdy shoes and clean socks

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Pillows and bedding

ROCHKIND INSURANCE / 409.770.9503 / INSURANCEGALVESTON.COM

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Written by Rochkind Insurance ŠRochkind Insurance, 2020 Illustrated by c. moore studio Layout by SpeakUpMediaTX.com 514 23 dS l 23rd Street, G Galveston, TX, 77550 www.InsuranceGalveston.com For information, please contact us: Info@InsuranceGalveston.com (409)-770-9503

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