By Guest Author Scott Daugherty

Anybody who watched the news this morning (Feb 7) saw the horrible storms that ripped through the south. They say that this was the worst damage from tornadoes in 23 years. Just 2 ½ years ago, we saw the worst damage of all time on the Gulf Coast after Hurricane Katrina tore up the coastline from Louisiana all the way to Alabama. There are many other events that I am sure that you can think of.

How many people do you think had enough insurance coverage to sustain their losses? The answer, may surprise you. Statistically, only about 57% of American's have any insurance coverage on their home. Whether you are a renter or a homeowner, there is a policy available for you.

Think about all of the money that is going to be spent to rebuild after these storms. I can say from experience, it isn't cheap. I was one of the 43% of American's who, during Hurricane Ivan in 2004, didn't have coverage. My home was 45 miles inland from the coast in Alabama so I felt pretty secure. However, a tornado spawned out of the hurricane and laid a tree down in my house. The house was totaled. Fortunately, I was unhurt.

Renter's and homeowner's policies cover injuries that occur, property damage (personal), and provide liability. If you rent, your landlord should have insurance to cover the house or apartment but that doesn't provide coverage to you.

The fact is, if you have insurance, you will certainly spend a lot less than what I spent having to rebuild after the hurricane. Don't wait until it is too late and you don't have the chance to check rates.

Go to http://www.insurance-quote-online.info and request your free no-cost, no-obligation quote today. Scott Daugherty and his wife own an insurance agency in lower Alabama and his wife is an Alabama Licensed Insurance Agent.

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