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Flood Insurance For Your Home

According to FEMA, flood claims occurred in every state in our country in 2016 with the average claim cost in excess of $31,000. Just because your property doesn’t sit next to a stream, river or other body of water doesn’t mean you won’t be impacted. Our recent hurricanes are a great example. Heavy rains can overwhelm drainage systems, run-off from hillsides can seep into your basements and levees can fail. Pretty much anywhere rain falls is where flooding can occur, although, rain is not always the reason. Additionally, it is important to note that flood insurance is NOT included with your standard homeowners insurance policy.

If you do experience a flood claim and have flood insurance, keep these things in mind:

  • Report your claim as soon as possible and have open and frequent communication with your insurance adjuster.
  • Photograph your damages (great if you have before pictures also saved to the cloud, not on a computer hard drive). Your insurance company will likely come out and photograph the damages as well.
  • Keep a list of all of the items you lost in the flood. Receipts are great as well as lists.
  • Take a read through your policy to ensure you understand your rights and coverage.

If you’re considering purchasing flood insurance, we can help. Flood insurance isn’t necessarily expensive. If you happen to live in a flood plain or near a body of water, chances are you’re likely going to pay a hefty sum. If you live away from typical flood areas, your premiums can be much more reasonable. Considering the average cost of a flood claim, it isn’t a bad idea to assess your risk.

If flood insurance is on your mind lately, give us a call.

Heuer Insurance Agency in Sparks has worked with a variety of clients in the Reno area over the years and we are confident in our ability to meet your personal or business insurance needs. We understand how important an insurance policy can be and we take time to match each of our clients with the perfect insurance policy. Whether you are looking for auto insurancerenters insurancehomeowners insurance, or life insurance we can help you. Not only can we provide you with each of these personal insurance policies, but we can also help you find a general liability policy, workers compensation policy or commercial building insurance policy. Give us a call at 775-358-5554 or visit us.

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Home Security on a Shoestring Budget

Monthly bills can be daunting and for many, the choice of having food and shelter is more important than keeping burglars or robbers away from your home. However, when times are tough, the last thing you want to do is leave your valuables at risk of being stolen. Thanks to many modern security companies, keeping your home secured isn’t as expensive as it used to be. Consider these fun, techy options for home security on the cheap!

  1. SimpliSafe: Instead of paying an alarm company $1500 or having to sign up for a lengthy contract at $40 per month, SimpliSafe sells do-it-yourself home security systems starting at just $245. Safe a bundle by going for a refurbished system. 24/7 monitoring starts at $.50 per day at time of writing this. You can also use the alarm locally and not pay an activation fee.
  2. Canary: Canary is a great option for studio apartments, offices or other areas that are mainly one room. Canary is a small, all-in-one video device that detects motion and records video. It can send you text messages immediately and start recording when you’re away. If you want, you can call 911 or set off a local alarm to scare away any intruders. At just $149, it is a great do-it-yourself security option. Like the idea but have a bigger house? Canary offers additional camera options to add to your main device to monitory as many places as you’d like. They do offer a cloud based service to keep videos.
  3. Arlo: With wire-free cameras and weatherproof design, Arlo is a good option for securing the outdoor of your home or recording at night. With HD, night vision cameras, your home can stay secure day or night. You can even talk through them using the Arlo App! Receive alerts along with HD video right to your phone so you can review and take action if necessary. Another great option for the do-it-yourselfer who doesn’t want the monthly fees. Arlo comes with a free 7 day cloud storage.
  4. Ring: A video recording doorbell. Now that’s genius. Ring can record motion and you can talk to people through it like an intercom system even if you’re not away. Ring offers many options for security cameras beyond just the doorbell. Starting at $199 it is a great, simple security protection right at your front door.

Home security doesn’t have to be expensive. Utilizing technology and a little do-it-yourself ambition, you can secure your home and keep your valuables safe and secure.

If you are looking for great home insurance coverage, call us today or visit our website.

Heuer Insurance Agency in Sparks has worked with a variety of clients in the Reno area over the years and we are confident in our ability to meet your personal or business insurance needs. We understand how important an insurance policy can be and we take time to match each of our clients with the perfect insurance policy. Whether you are looking for auto insurancerenters insurancehomeowners insurance, or life insurance we can help you. Not only can we provide you with each of these personal insurance policies, but we can also help you find a general liability policy, workers compensation policy or commercial building insurance policy. Give us a call at 775-358-5554 or visit us.

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Office Anniversaries, Client Testimonials, Fire Prevention and More!

Happy Friday to our loyal followers. The Friday before a 3 day weekend is always a busy one so we will make this month’s newsletter short and sweet.
First we want to congratulate Derek Moore on his 1 year anniversary. In today’s economy it’s becoming harder and harder to find new members for the team and we feel we got lucky with Derek. He is doing a great job and we look forward to the future.

I also want to congratulate Michelle on her 18th anniversary… She wouldn’t let me put in a picture, but she cant stop me from congratulating her!!!
We also want to take a second to highlight a couple of our most recent testimonials. We are in the service industry and fully understand consumers have the right to do business with anyone they want. We are fortunate to have such a great client base and one that isn’t afraid to tell us and their friends what a great job we are doing.
“You guys are the very best I’ve ever dealt with” – Kris T
“New to the Nevada area and was shopping for house insurance. I spoke to Dustin Snell, he found the best rates for us and it was such an easy process! I was so happy with his service we switched my son’s auto to him also and will be changing my own auto next. Highly recommend him, he’s the best to deal with and all the services the agency offers” – Lisa C
“I’ve had at least one and often multiple policies with Heuer Insurance since 1980. The reason I come back year after year is because of the customer service. Even if I haven’t called the office in ages, they remember me (or do an amazing job acting like they do) and the staff is so very efficient and cheerful.
I cannot think of another insurance agency — or any other business for that matter — with the same level of expertise and enthusiasm for what they do.” – Susan F
If you’ve had a great experience and would like to let us know, please take a second to leave a testimonial on our website. We love hearing from our clients! https://www.heuerinsurance.com/client-testimonials/
Now for our insurance plug – I think you will find the information useful… By now most of you have seen some of our social media posts about wildfire safety and defensible space. We have written about this same concern for. Those people who have taken our advice seriously and worked hard to improve your homes safety, we can’t thank you enough. This year’s awful fire season will have long lasting affects to our area, including limiting when or where we can target practice or even what the various municipalities will be doing regarding firework displays. Please….do your part to help not only your family but your entire community in keeping fire safety in mind. Our insurance company partners are working hard right alongside us in our attempt to keep our clients safe. We would like to highlight one of them specifically, Safeco Insurance Company. Safeco recently launched the Safeco Wild Fire Defense Program. The Wildfire Defense Program can provide crews to remove overgrown vegetation, fuel tanks or trash from a property. They may also use temporary sprinkler systems or fire engines and, in some situations, will apply fire-blocking gel to protect homes. What a GREAT idea and we thank Safeco Insurance Company for going the extra mile.
We will close by taking the time to thank our beloved Firefighters. We just couldn’t live in our desert environment without the team of firefighters that once again, showed mother nature who’s boss, and kept our community out of danger. We drove out to Pyramid Lake recently and the fire and retardant lines got within feet of homes. NONE of those families would have homes today without the courage, hard work and loyalty of our Firefighters. THANK YOU Firefighters!!!!