You might be reading the title of this article with slight confusion. Earthquakes? In Texas? While they’re not incredibly common, earthquakes are becoming more and more widespread across our great state. In general, most Texas insurance coverages do not include earthquake coverage, as it’s a coverage that’s not usually provided or asked for in most property coverages. However, due to the uptick in … [Read more...]
Working From Home and Insurance
More and more, you’re hearing about companies offering jobs for remote employees. Remote work, or working from home, is increasingly becoming a perk in the workforce and allows for more flexibility than the traditional 9-5 office work. While telecommuting isn’t new, technological enhancements have made the transition from office to home that much easier. This option is now open to many more office … [Read more...]
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...]
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...]
Deductibles, explained!
When it comes to Commercial Property Insurance, there are so many facets that encompass this specialty insurance that it can be hard to keep track. In that same vein, there are also many deductible types that make up Commercial Property Insurance as a whole. Most are pretty straight forward, however, some need a little more explanation. Today’s article will discuss the various types of … [Read more...]
Do your employees drive company vehicles? Here’s what you should know!
You might think of your fleet or company car as an after-thought, however, it should be at the top of your mind. When hiring a new employee and someone that will be operating a company car, it is crucial to be diligent and check everything there is to know about the driver. Being in the insurance world ourselves, we’ve seen quite a few instances where a business did not thoroughly check their new … [Read more...]
What exactly is a Loss Run?
Loss runs. Have you ever heard of the term and wondered what it is? If you’ve been involved in working with an insurance company regarding premium options on your property, you’ve more than likely been asked to provide a loss run on your current or prior insurance plan. Some common questions are, what are loss runs, how do I get them, and why do they matter? Well, let us illuminate this topic for … [Read more...]
