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...]
A Few Tips on Roof Protection
A roof can be very expensive. In fact, sometimes it can cost more than a new car. While we might view our rooftops as “out of sight, out of mind”, a damaged roof can get our attention pretty quick. We’ve compiled a list of tips to keeping your roof maintained. After all, the roof is protecting you and all of your belongings inside. Keep Gutters Clean You should always keep your gutters clear … [Read more...]
Commercial Coverage: HVAC Technician Insurance
In Texas, this unit is incredibly important to our survival! Living in Texas, we're forced to use both heating and cooling...and sometimes both in the same day! That's why the role of an HVAC Technician is incredibly important to us. But did you know that there's a special insurance associated with HVAC Technicians? If you didn't, continue reading below to learn more! HVAC Technician … [Read more...]
Winter Storms: What’s Covered?
Winter isn't quite over yet! It's always best to be prepared. While Texas weather keeps teasing us that spring is on the way, there’s still quite a bit of winter left before we can really put our guard down and enjoy the upcoming warmth! With that in mind, it’s always a good idea to have the knowledge surrounding your policy and what exactly is covered in the event of a winter storm. In the … [Read more...]
Insurance for Jewelry Gifts: Things to Consider
Consider protecting your Valentine's Gift today! From flowers and candy to jewelry and dining out, Americans spend nearly $20 billion to show their love on Valentine’s Day, according to Forbes. And with Valentine’s Day just around the corner, now is a good time to consider protecting your investment if you plan on buying an expensive jewelry gift this year. So when it comes to jewelry, who … [Read more...]
Fire Safety for the Holidays
The holidays are upon us! And while the holidays mean lots of celebration, family, food and decorations, it’s important to be cognizant of the hazards and safety issues surrounding this time of year. During the winter, nearly 47,999 fires occur, claiming more than 500 lives and causing more than 2,200 injuries. It can also cost an upward of $554 million in property damage (National Fire … [Read more...]
Preventing and Thawing Pipes— tips from the American Red Cross
As we get ready to welcome December, we're also getting ready to welcome the winter months. Here at Ramey King, we want you to be prepared for any changes in weather, especially since we call Texas our home and the weather can be fickle. When it comes to protecting your home, one of the best preventative measures you can take is by protecting your pipes. We've taken some tips from the American Red … [Read more...]
Liquor Liability Insurance; a good thing to have this holiday season!
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, there can be serious potential liabilities to consider, especially if alcohol is involved. Much a like a bartender at a … [Read more...]
