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Amstead is here to protect your home and family from hurricanes, thunderstorms, tornadoes, and any other perils that may come. It's difficult to predict when these events will occur so it is best to have protection on your side. Call us for the best and most competitive rates that will help save you money and time in the unfortunate event that a disaster strikes your home. 

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Even if you already have Homeowners Insurance, we encourage you to call. Amstead will compare your coverages and rates to make sure you are getting the best deal possible on your insurance.

 

Different types of policies we carry:

  • Homeowners

  • Condo Unit Owners

  • Mobile Homes (Replacement or actual cash value)

  • Renters Insurance

  • Personal Liability

  • Dwellings

  • Full and Partial Renovations

  • Vacant Homes

  • Flood Insurance (not included on homeowners policy)

  • Builder's Risk

  • Rental Dwellings

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What is the difference between all peril deductible and named storm deductible? 

The named storm deductible (also known as hurricane deductible) covers damages due to a named hurricane. All peril deductible covers any covered damages other than a named storm. 

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Is my claim covered?

When deciding to file a claim, ask yourself this question: was the event both sudden and unexpected? If you can answer yes, please give us a call to evaluate your deductible and policy coverage. Please remember - every policy is different. Simply because it is not covered on one policy, does not mean it is not covered on another. Always call and we will do our best to get you the help you need for your situation.

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Is flood insurance covered under my homeowner's policy?

No. Flood insurance is not covered under most homeowners policies. It is a separate policy you must buy to be covered in the event of a flood. Please give our team a call if you would like a quote to add flood insurance. 

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I don't need flood insurance. I'm not in a flood zone.

If I didn't flood last time, I don't think I'll have to worry about ever flooding.

FALSE. 1 in every 3 flood claims happens in a non-flood area. 

FALSE. Due to changes in elevation around you, it could make you flood even easier. Things such as a new neighborhood developments or building or widening of roadways, even not directly next to you, could cause flooding during a storm.

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