Children really do grow up fast. And while each stage of parenting comes with good and bad, nothing can quite prepare you for when your teenager starts to drive. In the United States, sixteen is the legal age for children to operate a motor vehicle without an adult (over 21) present. So, before you go and buy Susie her first car, you need to be aware of the costs associated with teenage drivers. … [Read more...]
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Driving Without Insurance in Texas
#Truth Driving without insurance, always a huge risk. Some choose to do it, others do not. Regardless of where you fall, knowing the consequences of driving without insurance in Texas is important. The penalties are harsh no matter how you look at it. Getting Caught Without Insurance In Texas, drivers are required to carry a stated minimum of liability coverage ($25,000 for property … [Read more...]
How Often Should I Review My Insurance?
How often should you review or bid your insurance? This is a question we’re asked many times in a year. While we live in a free-market economy that allows a person to seek the best option when purchasing from vendors, (i.e. insurance companies) the concept of putting a product out to bid creates some interesting thoughts. What is a good option to get the best insurance program? Several years … [Read more...]
Dogs and Liability
For many Americans, dogs play an important role in the family dynamic. They’re included in Christmas cards, family vacations, and sometimes share the main bed in the house. It’s a sweet thing to love a dog and receive a dog’s love in return. Almost 90 million dogs are owned as pets in the United States according to a 2017-2018 survey by the American Pet Products Association (III.org). Of that … [Read more...]
Renter’s Liability Coverage
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...]
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...]
