ARE YOU PROTECTED FROM FLOODS? asd Buy Flood Insurance Now to Save Money Later Here in Florida, tidal flooding has increased by a whopping 352% since 2000, and last year, the First Street Foundation released a model showing Tampa is the “second most exposed city in the state” with more than 43,000 properties at risk of flooding in a 100-year storm. Yikes! (Note: A 100-year storm is NOT a storm that happens once every 100 years. It’s a storm that has a 1% chance of occurring at a particular location in a particular year. This means you can get stuck in 100-year storms multiple years in a row.) Considering the high risk of flooding in our area, you’d think Florida homeowners insurance would cover flood damage, but it doesn’t. Homeowners have to buy flood insurance separately. This coverage is extremely important because your policy will reimburse you for flood damage and the labor to sandbag your home, move furniture, and remove debris. If you live in a 100-year-floodplain, then you likely already have flood insurance. The Federal Emergency Management Agency (FEMA) requires homeowners in those high-risk areas to
5 TIPS FOR YOUR NEXT AFFORDABLE GETAWAY Are you excited to explore the world again? Or maybe you've just gotten back from your latest vacation! In either case, the economic challenges of the pandemic might require travelers to plan their trips a little smarter. Here are five tricks to do just that. 1. Consider your budget while choosing your destination. Any destination heavily impacted by tourists is going to be more expensive to visit. So, consider taking a tour through various French countryside towns instead of Paris! Not only could it be more culturally immersing, but it may even be more relaxing and less stressful than visiting a dense area. 2. Sign up for Scott’s Cheap Flights. One of the most important parts of booking an affordable vacation is booking it at the right time. Scott’s Cheap Flights will track all the cheapest flights at an airport of your choice — you’ll get over 50%–75% savings on highly rated airlines. This will get you stress- free travel for a much lower price! 3. Travel in a group. If you travel with friends, your expenses become a lot more manageable. Let’s say you and a partner travel with two other couples — renting a swanky cabin at $200 a night will only cost around $33 per person. Plus, you will
Vermost Insurance now has a relationship with Chuck Chucri, who offers Financial
create some amazing memories together! 4. Plan your meal budget ahead of time.
Looking forward to eating certain dishes? Find local menus and prices to ensure you don’t spend more than you planned. If you want an authentic and homestyle culinary experience, consider signing up for a peer-to- peer dining experience through Traveling Spoon or Bon
Appetour, which is tax-free as well! 5. Consider volunteering for vacation.
Want to go on a self-discovery trip? Why not cut your expenses in half by volunteering? For example, Habitat for Humanity offers a nine-day Mexico trip for $1,200 with lodging, food, and activities included. You’ll get to build structures and create something permanent for the local community. Traveling on a dime is no sweat with the right tools. Best of luck, traveler!
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