Flood insurance. Spring is here, bringing rain and often times flooding. This year we’ve had an abundance of rain in Texas. We see flooding occurring all across our nation from the coast to inland locations. It can occur anywhere when water rises very quickly and without much warning. It does not only occur near rivers, lakes or streams. And it doesn’t take a … [Read more...] about Flood Insurance
Most people wear an engagement ring, wedding ring or both every day of the week. If this describes you, make sure your valuable investments are adequately protected. Below is helpful information needed for adding your rings to a homeowners or renters insurance policy, along with suggestions for keeping them safe. Determine the current value of your rings. In order to provide … [Read more...] about Should I Schedule My Engagement or Wedding Rings?
Our state is one of the most hail-prone states in the country. With the arrival of spring, our storm season is flaring up. That means we have a higher threat for severe weather and hail, which often cause serious damage and injury. Hail most often damages vehicles, but it can also damage … [Read more...] about Hail Season is Here!
After an auto accident occurs you may find yourself asking the question: “Should I file a claim or not?” There may be times when it’s okay not to involve your insurance company after an auto accident, but there are others when you should call your agent to file a claim: If anyone is injured in the accident – your passengers, passengers in another vehicle, a pedestrian – you should file … [Read more...] about File or Not to File a Claim
There are many factors that may contribute to an increase in your auto insurance premium. You have some control over a few causes but not all. Here are a few to consider: You may not be bundling your homeowner, auto, umbrella, boat, life policies, etc. with the same carrier. The more insurance you place with the same company, the cheaper the total price tag can be. … [Read more...] about WHY You May See an Increase in Your Auto Insurance
When we shop for a vehicle, household appliance or a new home, we obviously consider the price of the car, the refrigerator or the house. However, the cost, although a major factor, is never the only one to consider when we take out the checkbook or credit card for … [Read more...] about Why PRICE Isn’t ALL that Matters
This type of coverage is a very affordable way to obtain a good deal of coverage and protection. With a personal umbrella policy in place, your assets and future earnings are much better protected if, for some reason, you face a lawsuit. Umbrella policies are inexpensive because they kick in only after you’ve exhausted your liability coverage under your auto or homeowners policy. … [Read more...] about Umbrella’s – A Rainy Day Policy
Have you even heard of such a thing? Probably not, but you should be aware of its definition. This is coverage for a loss caused by the enforcement of ordinances or laws which regulate construction and repair of damaged buildings. If you own an older structure and it is damaged, it may need upgraded heating, electrical, ventilating, HVAC and plumbing to meet current codes. So … [Read more...] about What is Ordinance or Law Coverage?