Fall is right around the corner and winter is not far behind. After the crazy freeze of February 2020, we plan to make sure our RV is ready for COLD Texas weather. It is never a fun job to shut it down, close it up or spend time winterizing it. However, the payoff comes when the spring weather arrives and it’s time for road trips again. Making … [Read more...] about How Do I Winterize My RV for Cold Weather?
You would never have guessed that the sturdy oak tree in your back yard where you gather for family picnics would lose several of its branches after a heavy storm. But it did and now you are wondering whether your homeowners insurance will help pay for the cost of removing the fallen branches or repairing the damage to your home. That depends on several factors such as what caused the tree to fall … [Read more...] about What If a Tree Falls on My House?
As a homeowner, replacing today’s expensive and sophisticated appliances and devices can be costly. Our modern appliances come with fancy bells and whistles and cutting-edge technology comes at a cost when replacing certain equipment in your home. Appliances that break down due to electrical and mechanical failure typically aren’t covered by home insurance, but some insurers … [Read more...] about What is Equipment Breakdown Coverage?
A Financial Responsibility Insurance Certificate (SR-22) is required by the Texas Transportation Code to verify that you are maintaining motor vehicle liability insurance. You might be required to have an SR-22 if you have been convicted of DUI, DWI or another serious moving violation; you have caused an accident while driving without insurance; or you have received too many traffic tickets in a … [Read more...] about What Is a Financial Responsibility Insurance Certificate In Texas?
It is that time of year in the great state of Texas, when we reach those hot summer months and it’s important to remember to take some extra precautions, especially if working outdoors. Did you know that between the years of 1992-2016 36% of all heat related deaths were of construction workers, even though they only make up about 6% of the U.S.’ total workforce? Also, about half of heat … [Read more...] about Summer Safety for Employers & Employees
We often hear this question: Is it okay to use my personal vehicle for my business? Most auto insurance policies exclude driving a personal auto for business purposes. Yes, you can still do it, but in the case of a loss or accident, many companies will deny the claim and cancel your policy if they discover how you are using your vehicle. The use of your vehicle is important to the insurance … [Read more...] about What Everyone Needs to Know About Personal Auto Insurance
Currently, only two states have boat insurance laws—Arkansas and Utah, but not Texas. However, you may still need insurance if you are financing your boat or docking it at a marina. If you are financing, most lienholders require you to carry comprehensive and collision coverage. In addition, if you plan to dock your boat, some marinas will require you to show proof of … [Read more...] about Do I Need Boat Insurance in Texas?
Every now and then we come across this question: “If I own my home and decide to relocate, can I rent my house instead of selling it?” Of course, the answer is yes. But there are several things to consider before making this move. A homeowner policy should be in place on your home while you are living there, but this type of policy will not protect you from a … [Read more...] about Wanting To Rent Your Home, You’ll Need Landlord Insurance.