Insurance Made Simple Blog

Insurance doesn't have to be complicated. Our team breaks down coverage, shares money-saving tips, and explains what you really need to know—all in plain English.

Property Insurance Deductibles: Saving Now vs Paying Later

September 4, 2025

Insurance deductibles have evolved from simple flat fees to complex percentage-based systems that can cost you thousands more than expected. Learn about the different types of deductibles on modern property policies - hurricane, windstorm, and named storm - and why understanding which ones apply to your coverage could save you from an expensive surprise when you need to file a claim.

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A Smarter Way to Stop Leaks: In Your Home & Your Wallet

Protect your home from costly water damage with smart leak detection systems that automatically shut off your water supply when problems are detected. Many insurance companies now offer discounts or enhanced coverage for homes with these devices, making them a smart investment for both protection and savings.

Melissa Ems

August 29, 2025

Disclaimer: The content provided in this blog is for informational purposes only and should not be considered legal, financial, or insurance advice. While we do our best to keep information accurate and current, we cannot guarantee that all content will remain up to date as laws, policy language and statutes change frequently or that it will apply to your unique circumstances. Melissa Ems Insurance Agency and its affiliates are not licensed claims adjusters and do not determine policy coverage, benefits, or exclusions. For questions about your specific insurance policy, claims, or coverage details, please contact your licensed insurance agent directly.