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...]
The Importance of Tree Maintenance
Trees are a beautiful addition to any home and can add value to your property. However, trees can also be troublesome if they aren’t properly maintained. Besides being unsightly, dead or decaying trees pose a safety hazard that can leave you liable for damages caused. It’s important to understand what is covered by a homeowner’s insurance policy if a tree should fall on your property or a … [Read more...]
The 411 on RV Insurance
Knowing the ins and outs of recreational vehicle insurance (aka RV) is important when considering this purchase. Since each RV is unique, you’ll need tailored coverage to match your needs. How you use your RV, how often you use it, even the RV itself is all unique to the makeup of the insurance. It’s important to ascertain everything you need to know regarding this investment. For starters, RV … [Read more...]
The importance of Landlord Insurance…especially in a college town
Do you own property? Do you lease it out to tenants? Have you heard of Landlord or Rental Dwelling Insurance? If not, read on below to learn more about this important coverage. If you own rental property, dependable coverage is crucial to maintaining your property. With Landlord Insurance, you’re prepared for major issues that threaten the property you own and your financial assets. … [Read more...]
Knowing your home’s worth: High Value Home Insurance 101
Home prices are rising rapidly in North Texas. While homeowner’s insurance is a must, there’s another type of insurance that might be a must for you as well: High Value Home Insurance. High value home insurance is typically available for homes with a value in excess of $750,000. For homes with this kind of value, sometimes a standard homeowner’s policy is not the ideal fit. It’s important to work … [Read more...]
Someday, it will rain again. Before it does, you might consider Excess Flood Insurance.
Usually, a standard flood policy is enough to cover a home. However, there are extenuating circumstances that require additional flood insurance…cue Excess Flood Insurance. Excess Flood Insurance is a special type of insurance purchased through the National Flood Insurance Program (NFIP) if your home is in a particularly high-flood zone. Many times, lenders will require additional flood insurance … [Read more...]
The Calm Before Spring Storms
It's time to reevaluate your insurance policy before Spring Storms You know that feeling you get in your stomach with the sirens sound in the spring? Yeah, we do too. As much as we love the warmer weather that comes with springtime, we are also blessed with the severe weather that comes with it. As the saying about Texas weather goes, “wait a minute and it will change”, nothing could be more … [Read more...]
Personal Insurance: What about Fire?
Homeowners often go to great lengths in order to keep their home and property safe. Many dwellings have smoke detectors to alert occupants of a fire. While smoke detectors are wonderful and definitely a necessity, there are also other steps that should be taken to keep a home protected from potential fire hazards. Maintenance and Upkeep A homeowner must do more than simply install smoke … [Read more...]
