It is that time of year again! Storm season is fast approaching. Do you have flood insurance. Even if you are not in a high risk area, you are still at a risk of flooding. It is worth having the coverage that your homeowners/hazzard/wind and storm policy will not cover. FEMA explains why you need coverage in their publication of "Why you need Flood Insurance" 

Are you thinking about buying a new home? Maybe in a higher risk area? Did you know that you can assume the current owner's policy? In most cases FEMA is still allowing policy's to be assumed and could save you some money. I found an article that is worth the read to find out more. "Issues for Sellers and Buyer" written by Murphy Insurance Agency. Click on it to find out more!