We have spoken to customers who have moved to Texas from another state, and they are shocked when presented with a new Texas homeowners insurance quote. And the question is always – WHY SO HIGH?? Part of that answer is that Texas is prone to natural disasters and inclement weather, such as hail, hurricanes, and tornadoes. Simply stated, Insurance providers must charge more money for homeowners’ … [Read more...] about Why is Home Insurance So Expensive in Texas?
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Updating Your Home or Workspace: Do I Need To Notify My Insurance Company?
Due to the increased amount of time spent at home during the COVID-19 pandemic, a substantial number of us noticed our worn flooring, tired appliances and worn-out cabinets and decided to make improvements. Remote learning spaces for students, office space for at-home work, and even additions to homes were created during the pandemic. While “stuck” at home, people decided to get busy and upgrade, … [Read more...] about Updating Your Home or Workspace: Do I Need To Notify My Insurance Company?
Social Media: Santa’s Not The Only One Watching You!
It is the holiday season, and you may be headed out from home on vacation. You are so excited you want to share your trip by posting about it on social media. Please don’t do that. You will be letting folks know that you will be away from your home which means that your house and belongings are ready and waiting for a break-in. For example, if you have a public profile on Facebook, anyone can … [Read more...] about Social Media: Santa’s Not The Only One Watching You!
What is Commercial Auto Insurance?
Commercial auto insurance is an essential coverage for business owners. Whether you own a trucking company or a lawn care service, there are risks that are unavoidable when you drive to different job sites. These policies apply to autos owned or used in your business and will protect your business against liability damages, collision or comprehensive physical damage loss to your autos, … [Read more...] about What is Commercial Auto Insurance?
How Do I Winterize My RV for Cold Weather?
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 preparations to … [Read more...] about How Do I Winterize My RV for Cold Weather?
What If a Tree Falls on My House?
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 … [Read more...] about What If a Tree Falls on My House?
What is Business Income Coverage?
Do you have business income coverage included on your insurance policy? Do you know what the coverage is for, or how it works? These are great questions that you should ask yourself as a business owner. Business income, also known as business interruption, is a coverage form that will be included on your commercial property policy. This coverage provides you protection for a … [Read more...] about What is Business Income Coverage?
What is Equipment Breakdown Coverage?
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 give you … [Read more...] about What is Equipment Breakdown Coverage?
