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...]
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...]
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...]
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...]
Commercial Property Insurance: The Why Behind the Questions
Reviewing your current policy could save you money! All I want is a proposal. Why so many questions regarding commercial property insurance? From time it time, it makes sense to review your insurance for your apartment or commercial property. When it comes to this decision process, most don’t really know what they are looking for insurance in an agent or an insurance policy, or what the … [Read more...]
Insurance for Property Managers…what you need to know!
Writing insurance for property managers has always been a big part of the business at Ramey King Insurance. We welcome the opportunity to visit with all managers of all types of property from apartments, single family and commercial. Many managers rely on the insurance provided by their property owners to insure their Management Company. There is some overlap and some coverage … [Read more...]
What you need to know about Ordinance Law Coverage
Below is an informative piece about Ordinance Law Coverage. Keep reading to learn more about this special coverage and how it applies to commercial real estate. What is ordinance or law coverage? This is one of the more important pieces of property insurance coverage that gets ignored, or at best, is not truly understood by property insurance buyers and many times by insurance … [Read more...]
