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...]
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3 Tips for Comparing Apartment Investors Insurance
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...]
Foundation Coverage: Four Types of Water Damage to Consider
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...]
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
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 protect themselves. As with any … [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?
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 home during our cold spells. Keep freezing pipes from bursting Frozen water in pipes … [Read more...]
