There are many unique features to working with an independent insurance agency.
We shop with a large volume of carriers. Many times it is better to use different carriers for home and auto. Our job as independent agents is to find the best policy structure with the lowest overall premiums. Continue reading →
Extended replacement cost coverage is an endorsement that will help cover the cost of rebuilding your house if the cost goes over your ‘limit’. So let’s say your Coverage A, your dwelling coverage, is $250,000. If your house is completely destroyed, that is the most the insurance company will pay to rebuild the house itself. That doesn’t include your personal property, other structures, etc. Continue reading →
Every basic home insurance policy in Texas has a sudden and accidental water coverage built into it, but what if its not “sudden and accidental?” What if it’s a slow leak over time or crack in the foundation? Continue reading →
When I ask clients, “Do you know what your current liability limits are on your auto insurance?” The biggest answer I get is: I don’t know, or I don’t know what you mean – I just have full coverage. Continue reading →
A question I have been asked is, what about the welder in my shop or my tractor – are they covered? So how does scheduled property on a home or farm policy work? This can vary between carrier and policy but generally larger value items such as a welder or high valued item of jewelry will need scheduled individually to keep them properly covered. Continue reading →
A question that I get asked often from mostly younger people is, how does my auto deductible work and/or what is it? Your auto deductible is the amount that you will have to pay out of pocket in the event of a claim. Continue reading →
I’m going to get on a soapbox for a moment and peel back the insurance curtain. If your current insurance agent is charging you an “Agency Fee” for your home and auto insurance policies they are stealing from you. Agency fees are just plain wrong.