Does Homeowner Insurance Cover Floods?

Posted on February 27, 2026February 13, 2026 by admin

Floods can cause significant damage to property, leading to structural issues and mold growth. Having flood insurance can be crucial for recovery after such an event. Understanding what type of insurance covers floods and how to obtain it is essential for homeowners. The professionals at 925 Partners, serving Jacksonville, FL, are here to help you navigate flood insurance options.

Does Homeowners Insurance Cover Floods?

Floods are not typically covered under standard homeowners’ insurance policies. If your home is located in a high-risk flood area, relying solely on homeowners’ insurance may leave you vulnerable to financial loss.

How Can You Get Insurance That Covers Floods?

Homeowners in high-risk areas often purchase flood insurance to protect their property. Flood insurance helps cover repair costs and recovery expenses after a flood, making the process easier and faster. For some homeowners, flood insurance is not just a choice but a requirement, as many mortgage lenders mandate it for properties in flood-prone areas.

Where Can You Get Flood Insurance?

If you’re interested in flood insurance, speak with your insurance agent about your options. Flood insurance is available through the National Flood Insurance Program (NFIP), which is managed by FEMA and offered to homeowners through insurance agents.

Having flood insurance can provide peace of mind, ensuring that recovery after a flood is more manageable and less costly. It’s an essential investment for homeowners in areas prone to flooding.

Contact Us for Assistance

If you need flood insurance, the professionals at 925 Partners, serving Jacksonville, FL, are here to help. Call today to speak with one of our insurance experts. We’ll answer your questions and provide the information you need to make an informed decision about flood insurance.

How Vehicle Downtime Impacts Commercial Transportation Insurance

Posted on January 30, 2026January 12, 2026 by admin

When a vehicle breaks down, most businesses think in operational terms first. Missed deliveries. Rescheduled routes. Scrambling to keep commitments. But there’s an even more important layer that often gets overlooked: Downtime changes how your commercial transportation insurance lines up with reality.

At 925 Partners, we work with Jacksonville, FL, business owners to make sure downtime doesn’t turn into an insurance issue, even when no accident occurred. That often surprises people. But insurers don’t just insure movement; they insure assumptions.

Downtime Alters Your Risk Profile

Here’s a simple truth: Commercial transportation insurance is written around expected use. Mileage, frequency, and regularity matter. When a vehicle sits for an extended period, those assumptions no longer hold true. And when operations restart, they usually do so differently than before.

Downtime affects insurance considerations in ways that aren’t obvious:

Usage patterns change often, becoming more intense once the vehicle returns.
Maintenance gaps or rushed repairs can affect how risk is evaluated.
Operational substitutions may temporarily alter exposure.
Timing mismatches can occur between real-world use and insured expectations.

From an insurance perspective, prolonged inactivity followed by compressed usage isn’t business as usual; it’s a change.

Why Not Driving Doesn’t Mean No Risk

Another common misconception is that a parked vehicle is risk-free. In reality, downtime introduces different exposures. Storage conditions, security concerns, and how quickly a vehicle is returned to service matter. Put all together, this may mean that your insurance views your operations differently than intended when coverage was first established.

At 925 Partners, we work with transportation businesses throughout Jacksonville, FL, to help them realize when downtime crosses from being a logistical headache into an insurance conversation. If vehicle interruptions are affecting your business, it’s time to review whether your coverage is still protecting you. Call us, and we’ll walk you through your options to find an insurance solution that keeps you protected, even when a vehicle breaks down.

Humidity, Salt Air, and Off-Season Wear: A Seasonal Review for Classic Car Owners

Posted on December 31, 2025December 2, 2025 by admin

As a classic car owner, you already know that a classic car on the FL coast ages differently. The mix of humidity, salty air, and slow off-season wear keeps working on metal, wiring, and finishes, even when your car is under a cover. If you garage your classic car in Jacksonville, FL, winter isn’t safe downtime. It’s quiet exposure.

How Coastal Conditions Sneak Up on Stored Classics

Here in Jacksonville, moisture is the first thing you’ll notice when you step into a garage after a cooler night. That dampness clings to chrome, settles into seams, and allows corrosion a foothold long before you can spot it. But the humidity is not the worst. Salt rides in on every breeze, slipping past weather stripping and into the tiniest of hardware. And even if your car never leaves the driveway, it will collect rust throughout the winter if you’re not careful.

Then there’s the slow strain of sitting still for months. Tires develop flat spots. Fluids separate. Battery charge drifts. Wiring stiffens in places that already run warmer during the summer. You won’t see the changes at first, but they stack up.

At 925 Partners, we help classic car owners understand these coastal realities and find the best classic car insurance to protect their investments. For a classic car owner, protection isn’t just about the driving season. It’s about the months your car quietly absorbs the dangers of the environment around it.

Preserving Your Classic Car During the Winter

Here are a few smart checks worth doing before spring:

Run your hand along the chrome trim to feel for early pitting.
Check weather stripping for salt crust, cracks, or tackiness.
Scan the floor under the car for small fluid shadows.
Roll the car a few feet each month to protect your tires.

These are a few small, easy things you can do to protect your classic car. But don’t stop there. Make sure your coverage protects you from the rest.

Why a seasonal Policy Review Matters

Our team at 925 Partners can help you review your policy to make sure it aligns with how you use and store your car during the winter. For a clear, thoughtful look at your classic car insurance, contact us. We’re currently serving Jacksonville, FL.

Snowbirds in Jacksonville? The Year-Round Liability Gaps Your Umbrella Policy Should Cover

Posted on November 28, 2025November 10, 2025 by admin

Life can get busy when your family splits their time between homes. Spending winters in Jacksonville, FL, and summers up north can put some strain on your life. But it’s not just the moving between homes; it’s the hidden liability traps that are often overlooked. That’s where umbrella insurance from 925 Partners jumps in, providing year-round protection that travels with you.

How Snowbird Life Creates Extra Risks

Owning multiple homes is great, but it also means more opportunities for unexpected accidents. A slip on an icy walkway up north, or a boating mishap back in Jacksonville, FL, could easily eat up the limits of your standard homeowners or auto policy. Umbrella insurance is designed to cover these hidden gaps. It extends your protection to include legal costs and damages that are often excluded from your standard policies. This ensures that one incident doesn’t end your financial well-being or stability.

What Your Umbrella Policy Should Cover

Before you think about umbrella coverage, you need to understand which gaps your current insurance has. Our experts at 925 Partners understand the challenges that come with a seasonal lifestyle and will guide you to a solution that fits your lifestyle:

Injuries or property damage that you or your family members cause, anywhere in the U.S.
Accidents involving rental cars, boats, or even vacation homes
Liability risks tied to short-term rentals or guests

And the best part? This broader coverage keeps you protected across state lines, no matter where you spend the season.

Protect Your Lifestyle, Not Just Your Assets

Your snowbird routine is supposed to bring you freedom, not financial worries. Adding umbrella insurance through 925 partners will give you the peace of mind to enjoy every home, trip and sunny adventure without having to wonder about what-ifs.

Contact 925 Partners, serving Jacksonville, FL, to learn how umbrella insurance can keep your year-round adventures worry-free.

Why Life Insurance Is More Than a Benefit for Your Heirs

Posted on October 31, 2025October 14, 2025 by admin

Life insurance has a reputation for providing money to the owner’s beneficiaries. That means the policy pays out when the person who owned the policy has died. However, life insurance can also benefit the policy owner while they’re still alive. At 925 Partners in Jacksonville, FL, we’re here to help you understand how life insurance can be used as a financial asset.

Understanding Permanent Life Insurance Policies

The types of insurance policies that function as a financial asset are known as permanent life insurance policies. They get this designation because you hold the policy throughout your life. That is, once you buy the policy, you pay toward it for as long as you’re alive. Policies known as whole life and universal life are permanent life insurance policies.

Using Your Life Insurance for Financial Support

Part of your monthly premium is set aside into an account known as a cash value account. As you make payments toward your policy, the balance grows. Some policies pay interest on the balance as well, which makes it grow faster. Once the account has reached a specific threshold, you can use the money for various purposes. They include:

Using the policy as loan collateral
Borrowing money from the fund
Cashing out the policy and redeeming the balance
Withdraw funds for keeping

Call Us To Find Out More About Getting a Life Insurance Policy

At 925 Partners in Jacksonville, FL, we’re here to explain how life insurance works and how to make it work for you. Call us and let us answer your questions about getting a whole or term life insurance policy. We’ll show you how this type of insurance can help you during your lifetime.

Worried About Floods? Sounds Like You Need Flood Insurance

Posted on September 30, 2024September 24, 2024 by admin

Understanding the Importance of Flood Insurance

Are you worried about potential damages and losses caused by floods? Standard homeowner insurance policies do not cover floods. If you live in a flood-prone area, having flood insurance is crucial. The proficient team at 925 Partners, servicing Jacksonville, FL, specializes in helping clients attain comprehensive flood insurance policies suited to their specific needs.

What Does Flood Insurance Entail?

Flood insurance covers direct physical losses due to flooding. This coverage is indispensable, as most home insurance policies do not cover flood-induced losses. In fact, many private insurers do not even offer flood insurance. Instead, homeowners often procure their flood insurance from the National Flood Insurance Program (NFIP), a federal initiative that provides flood insurance to homeowners.

How to Secure a Flood Insurance Policy?

If you need flood insurance, consider discussing your options with your insurance agent. While the NFIP is a federal program, private insurance agents can assist their clients in obtaining the right policies.

Do I Need Flood Insurance?

If you reside in an area prone to floods, it’s wise to consider obtaining flood insurance. Online flood maps can help ascertain your risk. Even homes in low-risk areas may benefit from flood insurance, as they are not entirely exempt from the possibility of flooding.

Interested in securing a flood insurance policy for your home? Talk to your insurance agent at 925 Partners, servicing Jacksonville, FL. We aim to provide comprehensive information about flood insurance and help you get the coverage you need for your home. Give us a call today.

Protect Your Small Business with Umbrella Insurance with 925 Partners

Posted on April 29, 2023April 29, 2023 by admin

As a small business owner, you know accidents and unforeseen circumstances can hit you anytime. You need to know your business is protected from liability, and umbrella insurance is the best way to guarantee that. Choosing a trustworthy plan is crucial for your business and employees’ well-being.

What is Umbrella Insurance, and Why Does My Small Business Need It?

Umbrella insurance covers a range of liabilities, such as injury and property damage. It can also help with legal fees associated with potential lawsuits. Most importantly, without this type of insurance, an accident or lawsuit could leave you bankrupt and destroy your business.

At 925 Partners in Jacksonville, FL, we assess your business’s unique needs and risks and use that information to determine the coverage you need.

Preparing for the Unexpected with Umbrella Insurance

Injuries happen, no matter how many precautions you take. An employee could slip and fall on a wet floor, and the next thing you know, they’re suing you for medical expenses. That’s why you want to be prepared for anything.

A building can sustain damage for a multitude of reasons. Jacksonville, FL residents are aware of the dangers of extreme weather, but that isn’t the only reason why something might go wrong. For example, a plumbing issue could flood part of your business and make it uninhabitable until the situation is resolved.

Call 925 Partners Today to Learn More

It would be best if you worked with an insurance agency you trust. With umbrella insurance at 925 Partners in Jacksonville, FL, you will receive the personal attention you deserve. With our help, you can return to running your business knowing you’re protected in an emergency. Call us at (855) 925-1200 today to learn more.