When is flood insurance necessary in Georgia?

Those that live in the Americus, GA area should consider purchasing a home. Property buyers here can enjoy the long-term benefits that come with owning their homes. However, it is always important to protect your home as well as possible. For many, this could mean getting flood insurance. There are some situations when this coverage will be necessary for you. 

When Required by Lender

A common situation when you will need to have a flood insurance plan is when your mortgage lender requires it. Any mortgage provider will run searches to determine if your home is located in a high-risk flood zone. If it is in one of these locations, they will require that you carry a flood insurance plan. Most lenders will also have to approve the policy and will require monthly payments into an escrow account as it can help to ensure coverage. 

When Protecting Your Home

You may also want a flood insurance plan when you want to protect your home. If you are going to buy a home in this area, it will be a big purchase that you will want to protect. If you are concerned about the risk of flood damage in your area, getting flood insurance is a great way to protect against it. 

If you are going to purchase a home in the Americus, GA area, it will be vital to get proper insurance coverage. The team with Client First Insurance Solutions can help you with this. When you meet with Client First Insurance Solutions, they can give you the guidance needed to determine if coverage is necessary for you. They can then help you build a plan that keeps you in compliance and protects your property. 

Health Insurance: COVID-19 Special Enrollment

Would you like a little good news? A Special Enrollment Period (SEP) for Marketplace Health Insurance has been announced for the period of February 15 – May 15th, due to the COVID19 pandemic. This special enrollment period is designed to help families and individuals get the health coverage they need during the pandemic because no one should be worried about whether or not they can get insurance coverage during a global health crisis. 

Marketplace Health Insurance is usually only available for forty-five days each year. Even in a “normal” year, it can be tough to align your insurance needs with that one month. But during a pandemic, it’s even more important to make sure you and your family can get the coverage you need. Fortunately, this Special Enrollment Period extends your ability to gain affordable health insurance for three months! You can do a lot in three months!

Client First Insurance Solutions is well-known in our community for being accessible, knowledgeable, and helpful when you need assistance getting your health insurance questions answered. If you’re not sure what your current situation is or if you need to change your current plan, or if you know you need to get health insurance quickly, give us a call (229)-596-1002) or stop by our office at 132 W. Lamar Street in Americus, Georgia. We’ll spend time with you to get the best coverage at the most affordable rates. As always, we’re here to help.