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 liability … [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 tenant’s … [Read more...] about Wanting To Rent Your Home, You’ll Need Landlord Insurance.
The biggest investment most people will ever make is in a home, so it makes sense to protect that home with a policy that is specific to your needs. When we work on a quote for customers, we discuss your home and ask a lot of questions as we gather information regarding the following: The Dwelling - This refers to the structure on the residence premises that is listed in the … [Read more...] about Things You Need To Know About Your Home Insurance Policy
An unrelenting winter storm has brought subzero temperatures and multiple power outages to most Texas households this week and many are dealing with frozen pipes. Despite precautions taken by homeowners to insulate and wrap pipes and keep them dripping to avoid freezing, these efforts don’t actually work if the electricity and/or water is shut off to a home due to power outages. This … [Read more...] about Subzero Temperatures, Power Outages and Frozen Pipes in Texas
If you are a dog lover, this blog may be for you. Our family currently includes three rescue pups, and each holds a special place in our hearts – and under the kitchen table. The following may surprise some readers. According to a study from the Center for Disease Control (CDC), approximately 4.7 million dog bites occur in the United States every year, and 800,000 of those bites … [Read more...] about Will My Insurance Cover a Dog Bite?
If you own a vehicle, you know how to operate your turn signal. All a driver must do is pull the lever on the left of the steering wheel up or down and a turn signal activates. So how often do you use yours? How many times have you encountered someone who did not use his blinker and you had to suddenly step on your brakes or change lanes to avoid a collision? Traffic is … [Read more...] about A Simple Click Up or Down
After months of shelter-in-place orders, closed doors, reduced capacity, loss of sales, etc., business owners are facing the hard reality and long-lasting impacts of COVID-19. If you own a business, it is important to know how business insurance currently responds to COVID-19 related issues. The business interruption (BI) feature of a property insurance policy responds when a business is … [Read more...] about Business Insurance Response to COVID-19 Related Issues
I watched a pre-recorded high school valedictorian speech this week written by a young man whose senior year had suddenly shifted from the expected to the unexpected. As I listened to some wise advice given by this 18-year old, I thought about how many times in life we are forced to shift to Plan B. The Class of 2020 end-of-year looks much different than our graduates imagined it would … [Read more...] about Plan B – Well Done, Class of 2020