I got a phone call from a client recently who was standing in his living room bailing water. He had gone out of town the day before and came home to several inches of water throughout his house. Basically, everyone’s…
Congratulations! You were one of the lucky ones whose home escaped the winter storm unscathed, with no water damage from frozen pipe bursts. Maybe you have survivor’s remorse, feeling guilty because so many of your friends or neighbors weren’t as…
When an investor is purchasing a property with the intention of leasing it out for long-term rental income, what type of investment insurance policy do they need? The answer, of course, is it depends! The three most common policy types…
There are many unique features to working with an independent insurance agency, including being able to bundle your policies. We shop with a large volume of carriers. Many times it is better to use different carriers for home and auto.…
Why do you need Uninsured/Underinsured bodily injury and property coverage on your auto policy? Uninsured/Underinsured coverage provides coverage for you when you are hit by someone who doesn’t have insurance or doesn’t have high enough limits to cover the amount…
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…
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?
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.
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…
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…