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Blog

Claims and Underwriting: Frequency-Severity Method

November 17, 2020 By Laura Riley Leave a Comment

When it comes to the underwriting of insurance, there is a particular method insurer’s use when calculating how much the average claim costs. This method is called the frequency-severity method. What Is the Frequency-Severity Method? Overall, the frequency-severity method is a method for determining the expected number of claims that an insurer will receive during a given time period and how … [Read more...]

Filed Under: Blog, Business, Commercial Real Estate, Construction, Coverage, Newsletter, Personal Lines Tagged With: Coverage, Ramey King Insurance, Risk Reduction

Liquor Liability Insurance

November 11, 2020 By Laura Riley Leave a Comment

The festive season is upon us and it’s always a fun and exciting time of year. November-January typically means multiple holiday parties and gatherings and with that in mind, now is a great time to start planning ahead. If you plan on hosting a reception at your home, or hosting a workplace event, there can be serious potential liabilities to consider…especially if alcohol is involved. Much a … [Read more...]

Filed Under: Blog, Checklist Tagged With: Coverage, Liquor Liability, Ramey King Insurance

Commercial Property Rate Increases

October 23, 2020 By Laura Riley Leave a Comment

Across the country, commercial property rates are on the rise as insurers are forced to contend with a rise of natural disasters, social unrest and the COVID-19 pandemic. In addition to these tumultuous times, insurance companies have become stricter with their underwriting by restricting some coverages and excluding risks that have been covered in the past. While it might seem like the rates … [Read more...]

Filed Under: Blog, Business, Commercial Real Estate, Coverage Tagged With: Commercial Insurance, Property Cost Evaluation, Property Rate Increase

Business Interruption Insurance

October 14, 2020 By Laura Riley Leave a Comment

What is Business Interruption Insurance? Business interruption insurance is insurance coverage that replaces income lost in a disaster. The event that causes the interruption can vary, but generally, it is a fire or natural disaster. Business interruption insurance is not sold as a separate policy but is either added to a property/casualty policy or included in a comprehensive package policy as … [Read more...]

Filed Under: Blog, Coverage, Newsletter Tagged With: Business Interruption Insurance, Commercial Insurance, Coverage, Risk Reduction

Understanding How Insurance Lessens Your Financial Risk

October 7, 2020 By Laura Riley Leave a Comment

When it comes to protecting your finances, there are many avenues one can use to ensure its security. And, the reason most people take protective measures to ensure financial security is because of how unpredictable the future can seem. In the midst of an election year, and a tumultuous 2020 to boot, we thought it appropriate to discuss how insurance lessens your financial risk. When it comes … [Read more...]

Filed Under: Blog, Coverage, Personal Lines

Trees & Homeowners Insurance

September 24, 2020 By Laura Riley Leave a Comment

Trees are very common around houses and in communities across the United States. Many people enjoy the beauty, shade and ambience trees provide to their home. However, over time, disease and the elements can take a toll on these trees, turning them into dangers to your own property or the property of others. Insurance You might be wondering if insurance will pay for the removal of standing … [Read more...]

Filed Under: Blog, Coverage, Homeowners Insurance, Personal Lines, Safety Program, Weather Tagged With: Coverage, Ramey King Insurance, Trees

Identifying and Managing Stress

September 9, 2020 By Laura Riley Leave a Comment

2020 has been one of the more stressful years for many. With the recent pandemic caused by coronavirus, many are finding it difficult to cope with the sudden onslaught of changes to daily living. More often than not, dealing with stress is put on the back burner or, in general, people are not quite sure how to deal with it. It is, however, incredibly important to learn how to manage stress because … [Read more...]

Filed Under: Blog Tagged With: 2020, Insurance, Ramey King Insurance, Stress, Stress Management

3 Tips for Comparing Apartment Investors Insurance

July 30, 2020 By Laura Riley Leave a Comment

Apartment real estate can be a great investment. However, it is an investment that includes risk such as fire, hail, and floods. All the above have the potential to destroy your property and hard-earned investment. That is why you have insurance; to protect the investment over the long term. Below, we have outlined some simple tips for making sure you have the appropriate insurance coverage for … [Read more...]

Filed Under: Blog, Commercial Real Estate, Coverage Tagged With: Apartment, Apartment Coverage, Commercial Insurance, Property Investment, Real Estate

Foundation Coverage: Four Types of Water Damage to Consider

July 2, 2020 By Laura Riley Leave a Comment

Homeowner's Insurance provides coverage in the event your home or belongings suffer damage or complete loss. When you make a claim on your policy, the coverage provided is based on the event that caused the damage. This is also known as "peril" in the insurance world. One of the most common peril homeowners want on their policy is water damage. It is crucial to know the four types of water … [Read more...]

Filed Under: Blog, Coverage, Homeowners Insurance, Personal Lines Tagged With: Coverage, Foundation, Ramey King Insurance, Water Damage

Real Estate Investment? Cons of that “great deal”

June 18, 2020 By Laura Riley Leave a Comment

Most people in the real estate investment business hope to find that “great deal” for the right price to add to their portfolio; but many times the property that has that great price may have a few issues that can make it a bit more challenging to purchase…and insure. When searching for real estate, here are some common buzz words to be mindful of: Purchase “as is”Some renovations … [Read more...]

Filed Under: Blog, Commercial Real Estate, Coverage, Homeowners Insurance Tagged With: Coverage, Insurance, Property Investment, Ramey King Insurance

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From Our Blog

How Often Should I Bid My Insurance?

At Ramey King, many times in a year we will be asked this question. "How often should I bid my insurance?" While we live in a free market economy that allows a person to seek the best option to … [Read More...]

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320 Eagle Drive
Denton, TX 76201

Phone: 940.382.9691
Toll Free: 800.453.9691

Phone: 940.382.9691
Toll Free: 800.453.9691

TX Lic #6051

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