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...]
Blog
Real Estate Investment? Cons of that “great deal”
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...]
How has COVID-19 changed your business for 2020?
The State of Texas is slowly reopening and many of us are starting life again with a new normal. This is especially true of business owners across the state. While the rest of 2020 remains uncertain, we have compiled a list of questions pertaining to your business and insurance coverage. We hope you find these points beneficial as your business resumes operations. Has your property recently … [Read more...]
The Benefits of Combining Home & Auto Insurance
Most insurance companies do not sell one type of insurance. If you go to an insurance company for a car insurance policy, there is a strong chance they will try and encourage you to bundle it with a homeowners or renters insurance policy. Many major insurance companies offer home and auto insurance bundles which contain quite a bit of perks, discounts and unique coverage opportunities when … [Read more...]
Combating the Coronavirus
(C) FDA.GOV The fears and worry surrounding the coronavirus continue to develop. The World Health Organization (WHO) and the Center for Disease Control and Prevention (CDC) are constantly updating their statistics as more knowledge is gained about the disease. While the CDC believes the overall risk to the American public is low, there are additional steps one can take to … [Read more...]
Master Renters Program 101
Ramey King has provided a specialty insurance for residential and apartment properties for many years. One of the continuous challenges to owners of these properties are claims that are caused by a tenant and can vary in scope. Common claims from tenants include grease fires, cigarette fires, or just general issues caused by the tenant themselves. We strongly suggest that tenants acquire … [Read more...]
Insurance Companies & Inspection Requests
Most commercial insurance companies have either engineering departments or loss control departments. These departments are staffed by highly trained engineers or technical safety personnel. These important staff members are tasked with coming out to see and inspect businesses and properties that are insured by their carrier. And while inspections can happen any time, most of these insurance … [Read more...]
Is Your Home Prepared for Winter?
Scarf around a miniature green house - conceptual view of protecting or isolating house Winter is upon us, and much of the United States is experiencing freezing temperatures. If you were surprised last week by the winter weather...don't worry, we were too! Nevertheless, we live in a region where temperatures do drop below freezing. With that in mind, here are some tips to protect your … [Read more...]
New Years Resolutions: Thinking About Insurance
Have you made your 2020 resolutions and goals? If you have, we hope 2020 is a successful year for you! But bearing in mind your resolution, do any of your goals result in a change of insurance needs? Below, we’ve included some questions you might consider as we embark on a new year. Any new properties or homes? Find out what the premium estimates are for these additions before you make a … [Read more...]
Five Common Mistakes When Buying Personal Insurance
Have you ever purchased personal insurance and when you finally have to make a claim, you realize you made a mistake? This happens often and we’re here and committed to help address the five most common mistakes when buying personal insurance. Not reviewing your policy every year Once a year, you should review your policy for any changes that happened over the past year. Changes include … [Read more...]
