Flood Insurance

The worse thing homeowners can do is find out after a flood has occurred in their home that the damage is not covered by their homeowners policy. Also, many homeowners are under the assumption that if they don’t live in a flood plain then they don’t need flood insurance.
Floods can occur as a result of a storm, melting snow, hurricane, water backup due to inadequate or overloading drainage or a broken water main. FEMA estimates that 30% of flood claims are filed by homeowners living in low to moderate flood risk areas.
The cost of flood insurance is based on the area you where you live. The average cost of flood insurance is $958 per year or $80 per month. However, keep in mind this may vary if you live in a flood plain or if you live in a low flood risk area.

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Medicare Supplements

Medicare is a government-sponsored health insurance program for people who are 65 or older. Typically, Medicare plans cover about 64 percent of your annual health care expenses. Many choose Medicare Supplements to help cover most of the remaining 36 percent of medical costs not covered by their Medicare plan.

Connecticut offers a number of plans under its Medicare Supplement Health Insurance. Some plans cover extra expenses like deductible costs, co-payments and coinsurance. Others offer coverage for prescriptions, vision, and dental. Deciding which supplement plan is best for you can become confusing and frustrating.

The Olderman & Hallihan Agency is prepared to answer any questions you may have about Medicare Supplements. Our agents will explain your options and design a plan that gives you the comfort of knowing your medical expenses are covered.

You may call The Olderman & Hallihan Agency at (203) 734-1601 to speak with one of our agents or Contact Us and we will set up a time to go over your Medicare Supplements needs.

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