When you sign up for renter’s insurance, you’re not only protecting the contents of your home, you’re also protecting yourself financially from any liability cases brought against you. Most (but not all) renter’s policies provide a $100,000 (minimum) of financial protection for covered accidental bodily injury or property damage to others. What is Renters Liability Coverage? In the event … [Read more...]
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Trampolines and your Homeowner’s Insurance
Trampolines are almost a right of childhood. They’re fun, get kids outside, and encourage active play. But before you consider installing one in your home, it’s critical to understand that trampolines might not bode well with your homeowner’s insurance. The reason for this is simple: safety concerns. Continue reading below to learn more about the risks associated with these play items. Does … [Read more...]
Mortgage Lenders & Insurance
Whether it’s your first home or your third, it’s always an exciting time to buy a new house. You’ve fulfilled the list of requirements put in place by the mortgage lender and gathered all necessary documentation. However, there’s one thing the lender always requires: buying a homeowner’s insurance policy. Why is it required? Your lender will require that you buy enough home insurance to … [Read more...]
Vacation Insurance Coverage
Sweet summertime...there’s nothing quite like it! This is the time of year that many people choose to take vacations. While it’s wonderful to get away, sometimes an unexpected event or illness can ruin even the best laid plans. So what exactly is vacation insurance? Let us illuminate this topic for you! Peace of Mind Vacation insurance provides a degree of protection to travelers and their … [Read more...]
Pool Safety 101
It’s summertime in Texas which means thousands of us flock to the waters to cool off and get a break from the relentless heat. While a fun pastime, pool and water safety need to be top of mind to ensure your loved ones remain safe this summer. So, what exactly does pool safety mean? For starters, it’s important to know about ten people drown every day in the United States, and two of those … [Read more...]
Insuring Residential Contractors
Residential Contractors do important work that encompasses a broad amount of construction. When you think of residential contractors, you might think of the company who built your new home, or any of the dozen subcontractors who did a portion of the work. Historically speaking, these business types have been easy to insure. Most insurance carriers would provide a competitive insurance plan for … [Read more...]
Hailstorm? Now what?
Given the recent storms that hit Denton, coupled with the fact we’re in the thick of our severe weather season, Ramey King wanted to provide a quick overview for how you determine hail damage and what to do. Many times, you have coverage for hail damage under your property insurance. Nevertheless, here’s some information we hope you find helpful if you're caught in a nasty storm. Damage can … [Read more...]
Deductibles, explained!
When it comes to Commercial Property Insurance, there are so many facets that encompass this specialty insurance that it can be hard to keep track. In that same vein, there are also many deductible types that make up Commercial Property Insurance as a whole. Most are pretty straight forward, however, some need a little more explanation. Today’s article will discuss the various types of … [Read more...]
Do your employees drive company vehicles? Here’s what you should know!
You might think of your fleet or company car as an after-thought, however, it should be at the top of your mind. When hiring a new employee and someone that will be operating a company car, it is crucial to be diligent and check everything there is to know about the driver. Being in the insurance world ourselves, we’ve seen quite a few instances where a business did not thoroughly check their new … [Read more...]
What exactly is a Loss Run?
Loss runs. Have you ever heard of the term and wondered what it is? If you’ve been involved in working with an insurance company regarding premium options on your property, you’ve more than likely been asked to provide a loss run on your current or prior insurance plan. Some common questions are, what are loss runs, how do I get them, and why do they matter? Well, let us illuminate this topic for … [Read more...]
