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Magic City Insurance Group LLC

4268 Cahaba Heights Ct., Ste. 136
Vestavia, AL 35243

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Flood Insurance: What It Does and Does Not Cover

Flooding due to heavy rains or hurricanes is all too common. Unfortunately, suffering water damage to your home only to learn that your home insurance policy doesn’t cover flood damage is also common. As weather patterns shift and become more extreme, more and more homes in Birmingham, AL are being affected by floodwaters. In fact, more than 20% of the claims that the Federal Emergency Management Agency (FEMA) receives each year now come from areas historically considered to be moderate- to low-risk flood areas.

As such, it’s crucial that you understand the full extent of the risks in your area and plan accordingly. One of the best ways to do this is to purchase a flood insurance policy.

Common Situations Covered By Flood Insurance

Generally speaking, flood insurance covers damage to your home and belongings specifically caused by water. You can typically expect flood insurance to step when in situations where 

  • Rain accumulates faster than it can drain
  • A body of water overflows its banks
  • Heavy rains cause a mudslide
  • A hurricane produces a storm surge

When Additional Coverage Might Be Needed

Though flood insurance is a must for anyone living in a flood-prone area, there are some types of damage that are typically not covered under these policies. Fortunately, most home insurance policies cover some level of water damage such as that caused by burst pipes and leaking appliances, two of the most common types of damage not covered by flood insurance. 

Magic City Insurance Group LLC Is Here To Help

If you own a home in the Birmingham, AL area and are interested in purchasing flood insurance, give the team here at Magic City Insurance Group LLC a call. We have the information you need to find the right policy for you. Contact us today to learn more.

Will my home insurance cover damages by a house sitter when I’m on vacation?

We go on vacations to have fun, to experience new things, and to let our daily anxieties fade away. Unfortunately, accidents can happen even when we take the right precautions and hire trusted individuals to house-sit our homes while we’re away.

Here at Magic City Insurance Group LLC, we get a lot of questions about the specifics of home insurance policies, including what happens when something goes wrong when the homeowner is away, and we’re always happy to help our Birmingham, AL clients get the answers they need!

Will My Home Insurance Cover Damages by a House Sitter When I’m On Vacation?

The most important thing that your insurer will look at when determining whose fault damages is will be whether the sitter was significantly negligent or purposeful in causing the damage. 

In cases where the sitter isn’t directly responsible for damages, you are likely going to be on the hook for them. For example, if you hired a house sitter to watch your dog and property and your dog caused water or structural damage to the home, then so long as your pet sitter went through a best-effort approach to mitigate the damage, you will be held responsible for the damages just as though you were at home.

However, if your house sitter caused damage to your home directly such as with burn damages from smoking inside or water damage from allowing the bathtub to overflow, then your insurance company will step in to provide legal and financial assistance to pursue damages from your house sitter under clauses similar to vandalism. 

Learn More About Home Insurance

For more information about Birmingham, AL home insurance policies and to get the best policy for your household, give our team at Magic City Insurance Group LLC a call today!

Auto Insurance and Understanding Deductibles

Deductibles are fundamental in auto insurance for the Birmingham, AL area, influencing your premiums and potential claim payments. Understanding how deductibles work can empower you to make informed decisions when choosing the right coverage for your vehicle.

Decoding Deductibles

A deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in to cover the rest of the claim. Deductibles serve two primary purposes: to reduce the frequency of small claims and to align policyholders’ economic interests with responsible driving habits.

Impact on Premiums

Deductibles and premiums share an inverse relationship: higher deductibles typically result in lower premiums, while lower deductibles often lead to higher premiums. By assuming a more significant part of potential costs, you demonstrate to the insurer that you are less likely to make frequent claims, which can result in reduced premium rates.

Balancing Deductibles and Finances

While a higher deductible can lower your premiums, you must ensure that you can comfortably cover the deductible amount in case of a claim. Opting for a high deductible may result in a financial strain.

Claim Payments and Deductibles

When you file a claim, the deductible is the initial amount deducted from the payout. For instance, if your claim amounts to $2,000 and your deductible is $500, your insurance will reimburse you $1,500 after subtracting the deductible. 

Smart Decision-Making 

Understanding the interplay between deductibles, premiums, and potential claims is crucial for making informed decisions about auto insurance coverage. Analyze your risk tolerance, financial capability, and driving habits to select a deductible that aligns with your needs and preferences.

Magic City Insurance Group LLC Can Help You

At Magic City Insurance Group LLC, we can answer all your questions concerning auto insurance. We assist the Birmingham, AL region. Contact us today. 

Is having a flood insurance plan necessary in Alabama?

Owning real estate in the Birmingham, AL area can be a great idea. While there are benefits that come with owning a home here, there are risks that come along with it. One of the risks that you may face here is the risk of having a home damaged by a flood. One of the ways that you can protect against this is by getting flood insurance.

This type of coverage can be necessary in some situations:

Needed to Cover Home

A primary reason that people in the Alabama area will want to have a flood insurance plan is so they can cover their homes. When you are going to purchase a home, you will want to get insurance for it. As home insurance may not cover flood damage, an additional flood insurance plan could be a necessity. When you have a full flood insurance plan, you will be able to mitigate this risk. 

Meet Standards

It is also important to get a flood insurance plan so you can meet standards set by your lender. If you have a loan, the lender will run a flood search to see if your property is at risk. If it is deemed to be at risk, you may be obligated to carry a flood insurance plan through the term of the loan. 

Reach Out To Us

It is very important that all people in the Birmingham, AL area carefully assess their flood insurance needs. When you are looking for coverage, you can quickly find that it is confusing to assess and select a plan. Because of this, working with our team at the Magic City Insurance Group LLC is often a great option. Our team with Magic City Insurance Group LLC will give you any guidance you need to select a plan that protects you and your property. 

Do You Need to Upgrade Your Home Insurance?

If you’re like most homeowners, you may simply renew your home insurance annually without giving it much thought. Although it’s good to keep up with this coverage, there may be times when an upgrade is necessary due to changes in your home or lifestyle.

At Magic City Insurance Group LLC, serving the greater Birmingham, AL metroplex, we recommend that you review your policy annually to ensure your coverage is accurate and up to date. If there are discrepancies in your coverage, we can help you update your policy so you can continue to receive the full protection you need.

When to Upgrade Home Insurance Coverage  

Major changes to your home structure, household, or lifestyle could impact your home coverage, requiring an upgrade to your home insurance policy. By discussing these changes with your insurer, we can update your policy accordingly to retain the coverage you need:    

  • Home renovations that add footage to your property, i.e., a new bedroom, bathroom, or back patio, can increase your home’s value. To protect these interests, you may need to raise your dwelling coverage to reflect the increase in home value.  
  • If you’ve purchased high-end furniture, appliances, or electronics, you may need to increase your property coverage to ensure these items are fully protected against theft or damage in a disaster.
  • The addition of new members to your household, such as elderly parents or a new baby, may require an increase in liability coverage to ensure they’re protected against accidents on your property.
  • On the flip side, home improvements that increase your home’s safety and security, such as a new roof, new windows, or new electrical or plumbing system, could qualify you for a discount on your policy. 

Need to Upgrade Your Home Policy?

To upgrade your home insurance to retain the full protection your family needs, contact Magic City Insurance Group LLC in Birmingham, AL.

How Auto Insurance Can Reduce Stress On the Road

Auto insurance is an essential component of responsible vehicle ownership. It provides financial protection in case of accidents, theft, or damage to your car and offers peace of mind on the road. Magic City Insurance Group LLC serving Birmingham, AL will help you navigate the complexities of auto insurance policies and tailor coverage to suit your needs.

Accidents Happen

Nobody plans to be in a car accident, but they occur frequently. In the aftermath of an accident, it’s comforting to know that your insurance policy will cover the cost of repairs or replacement, as well as any medical expenses that may arise. This allows you to focus on recovery and getting back on the road rather than being burdened by financial stress.

Liability Protection

Liability coverage is a crucial aspect of auto insurance. It protects you from the financial consequences of causing injury or damage to others while driving. The coverage can make a significant difference in your peace of mind, knowing that you won’t be held personally responsible for hefty bills or legal fees.

Comprehensive Coverage for Peace of Mind

Comprehensive coverage is another layer of protection that can reduce stress on the road. The policy safeguards you against non-collision events, such as theft, vandalism, fire, or weather-related damage. With comprehensive coverage, you can rest assured that your investment in your vehicle is protected from unforeseen circumstances.

Take Action Now

Don’t let the stress of potential accidents or unexpected events on the road weigh you down. Instead, explore your options for comprehensive auto insurance coverage and secure your peace of mind. Reach out to our trusted insurance agents at Magic City Insurance Group LLC, serving the greater Birmingham, AL community, and let us help you navigate the process of finding the ideal policy. Remember, a well-tailored auto insurance plan is the key to reducing stress on the road.

Why You Need Flood Insurance

Many people think they don’t need flood insurance, but flooding certainly happens across Alabama. When you own a home, you need to have a flood insurance policy on it to protect yourself financially. If you don’t have a flood policy, call us at Magic City Insurance Group LLC in Birmingham, AL to find out more and to get a policy. 

The National Flood Insurance Program

One of the reasons that flood insurance is easy to get is that it’s backed by the National Flood Insurance Program and is available across the nation through this program. It’s guaranteed by this national program, so you can trust these policies. It can’t go out of business or close up shop if there are a lot of claims to it. It’s a trustworthy program that has meant a lot to those who have experienced flooding. 

Home Insurance and Flooding

Flooding isn’t covered by home insurance policies. There are many people who skip flood insurance because they assume their home insurance will take care of it. However, it won’t. You always need to have this coverage in case of a flood. Even if your area isn’t designated as a flooding zone, it can still become flooded. Among flood claims from homeowners, about 20% of them come from outside of areas that are designated as flood zones. That makes it likely that virtually anywhere in the area can become flooded when the weather is right. You may not be near a creek or river and can still experience a flood due to heavy rainfall. To make sure you’re protected, always keep a flood policy. 

Get Flood Insurance

When you own a home, you need flood insurance. To get a policy of your own, give us a call today at Magic City Insurance Group LLC in Birmingham, AL. 

The 5 Most Common Types of Losses and How to Protect Your Home

A house is one of the most expensive investments you can make. You invest time, energy, and memories in addition to money. Magic City Insurance Group LLC in Birmingham, AL understands the value of your home. We want to help you protect it. The following are the five most common home losses, as well as the steps you can take to protect your home.

5 Most Common Home Losses

1. Wind and Hail Damage

When the weather forecast calls for high winds, take the time to secure or store any outdoor furniture or lawn ornaments. Keep cars in the garage to avoid hail damage, and have your roof inspected on a regular basis.

2. Water Damage and Freezing

Have you noticed a leak? Turn off the water to your home until the source is identified and corrected. Winterize your home to ensure that your pipes are in good working order.

3. Liability

Keep an eye out for anything that could endanger guests on your property. If you can’t fix them, tell your guests about them and try to work around them.

4. Fire and Lightning

Make sure your fire alarm batteries are changed on a regular basis. Avoid leaving unattended candles, plugins, or wax warmers.

5. Theft

Invest in a high-quality home security system. To deter curious eyes, leave your porch light on at night. Maintain regular contact with your neighborhood watch.

Give Us a Call

The truth is that we have no control over the weather, and accidents do occur. Aside from these precautions, the best way to protect your home is to obtain adequate insurance coverage.  Magic City Insurance Group LLC can assist you with this. Call us today and let one of our highly trained agents help you find the policy that works for you. We are well-versed in the needs of homeowners in Birmingham, AL and can help you safeguard your home investment.

Do You Need Collision Insurance if You Have Comprehensive Insurance?

Auto insurance is required in each state. However, the level of coverage required by law is liability only. Most individuals need full coverage insurance protection to meet financial obligations or to offer adequate coverage. Anyone looking for top-quality auto insurance coverage can count on the experts at Magic City Insurance Group LLC, serving the residents in and around the Birmingham, AL area.

Auto Insurance Options 

Full coverage auto insurance refers to a combination of options, including liability, comprehensive, collision, and more. Collision insurance protects individuals from accidents and impacts and provides coverage for repairing or replacing their vehicles. Comprehensive insurance is designed to protect the covered individual from other risks not related to accidents and impacts. Examples of comprehensive coverage could include theft, vandalism, animal damage, and natural disasters.

Anyone wanting to find out more about the difference between collision and comprehensive coverage can count on the experts at our office to provide them with detailed information. We can also carefully assess each individual’s specific situation to outline coverage that would benefit the customer. Once a policy is chosen, our agents can assist with documentation and submission of information to acquire coverage. Additionally, they can also assist with any changes to the policy or claim submissions. Our goal is to provide complete customer service before, during, and after the policy purchase.

Find Out More 

Anyone living in or around the Birmingham, AL area can count on Magic City Insurance Group LLC to give them the policy options and support they need for peace of mind. Call or stop by our office today to schedule a consultation with one of our knowledgeable Insurance agents. Don’t wait to get the right level of coverage to offer protection from collisions and other risks associated with owning a vehicle.

Is Flooding Only Susceptible to High-Risk Areas?

To give an accurate answer to this question is not a trivial matter. Due to the effects of climate change, industrialization, and urbanization, high-risk areas are on the rise. When looking for flood-related insurance, a study of historical and present data is necessary to make an accurate decision. For a more in-depth look at flood insurance, contact Magic City Insurance Group LLC, serving the greater Birmingham, AL community.

Is Flooding Only Prone to High-Risk Areas?

What makes this question a bit complicated to answer is the fact that climate change is changing the areas prone to flooding. What may have been a high-risk area for flooding 15 years ago might not be today. Similarly, what was a low-risk area 20 years ago, might be a high-risk area today.

For example, climate variations cause river floods to become more extreme and frequent in some areas while diminishing both size and frequency in others. It also vastly increases the amount of rainfall in some locations while drying up others.

Another example of how climate change impacts what we call high-risk areas is rising sea levels. It is theorized that this phenomenon occurs due to melting icecaps, but that’s a topic for another day. When sea levels rise, more areas come under water, and the adjacent land is more prone to flooding. A 2022 study by the World Bank indicated that 1.81 billion people are affected by flood risk, and the number is constantly rising.

Apart from climate change, urbanization also pushes more people to live in high-risk areas. In this scenario, the population is usually of a lower income bracket and must risk their families’ lives to make a living. The situation is worsening as the majority of these people cannot afford flood insurance. If the trend of high-risk areas increasing continues, it is possible that such policies will also rise in cost.

Contact Us Today

High-risk areas are changing due to several factors, making flood insurance more of a necessity. To learn more about flood coverage and available policies, contact Magic City Insurance Group LLC. Our insurance experts are proud to serve the residents of Birmingham, AL and surrounding areas.

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