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You are here: Home / Archives for Newsletter / Personal Lines

Claims and Underwriting: Frequency-Severity Method

November 17, 2020 By Laura Riley Leave a Comment

When it comes to the underwriting of insurance, there is a particular method insurer’s use when calculating how much the average claim costs. This method is called the frequency-severity method. What Is the Frequency-Severity Method? Overall, the frequency-severity method is a method for determining the expected number of claims that an insurer will receive during a given time period and how … [Read more...]

Filed Under: Blog, Business, Commercial Real Estate, Construction, Coverage, Newsletter, Personal Lines Tagged With: Coverage, Ramey King Insurance, Risk Reduction

Understanding How Insurance Lessens Your Financial Risk

October 7, 2020 By Laura Riley Leave a Comment

When it comes to protecting your finances, there are many avenues one can use to ensure its security. And, the reason most people take protective measures to ensure financial security is because of how unpredictable the future can seem. In the midst of an election year, and a tumultuous 2020 to boot, we thought it appropriate to discuss how insurance lessens your financial risk. When it comes … [Read more...]

Filed Under: Blog, Coverage, Personal Lines

Trees & Homeowners Insurance

September 24, 2020 By Laura Riley Leave a Comment

Trees are very common around houses and in communities across the United States. Many people enjoy the beauty, shade and ambience trees provide to their home. However, over time, disease and the elements can take a toll on these trees, turning them into dangers to your own property or the property of others. Insurance You might be wondering if insurance will pay for the removal of standing … [Read more...]

Filed Under: Blog, Coverage, Homeowners Insurance, Personal Lines, Safety Program, Weather Tagged With: Coverage, Ramey King Insurance, Trees

Foundation Coverage: Four Types of Water Damage to Consider

July 2, 2020 By Laura Riley Leave a Comment

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...]

Filed Under: Blog, Coverage, Homeowners Insurance, Personal Lines Tagged With: Coverage, Foundation, Ramey King Insurance, Water Damage

How has COVID-19 changed your business for 2020?

June 10, 2020 By Laura Riley Leave a Comment

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...]

Filed Under: Blog, Business, Coverage, Personal Lines

The Benefits of Combining Home & Auto Insurance

May 13, 2020 By Laura Riley Leave a Comment

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...]

Filed Under: Blog, Car Insurance, Homeowners Insurance, Personal Lines Tagged With: Coverage, Home Insurance, Ramey King Insurance

New Years Resolutions: Thinking About Insurance

December 18, 2019 By Laura Riley Leave a Comment

Have you made your 2020 resolutions and goals? If you have, we hope 2020 is a successful year for you! But bearing in mind your resolution, do any of your goals result in a change of insurance needs? Below, we’ve included some questions you might consider as we embark on a new year. Any new properties or homes? Find out what the premium estimates are for these additions before you make a … [Read more...]

Filed Under: Blog, Business, Commercial Real Estate, Construction, Coverage, Personal Lines Tagged With: Coverage, Insurance, New years, Ramey King Insurance, Resolution

Five Common Mistakes When Buying Personal Insurance

November 7, 2019 By Laura Riley Leave a Comment

Have you ever purchased personal insurance and when you finally have to make a claim, you realize you made a mistake? This happens often and we’re here and committed to help address the five most common mistakes when buying personal insurance. Not reviewing your policy every year Once a year, you should review your policy for any changes that happened over the past year. Changes include … [Read more...]

Filed Under: Blog, Coverage, Personal Lines Tagged With: Insurance, personal insurance, Policy, Ramey King Insurance, Review

Five Common Mistakes When Buying Personal Insurance

October 18, 2019 By Laura Riley Leave a Comment

Have you ever purchased personal insurance and when you finally have to make a claim, you realize you made a mistake? This happens more often than not and we’re here to help address the five most common mistakes when buying personal insurance. Not reviewing your policy once a year Once a year, you should review your policy for any changes that happened over the past year. Changes include … [Read more...]

Filed Under: Blog, Coverage, Homeowners Insurance, Personal Lines Tagged With: Car Insurance, Coverage, Home Insurance, Insurance, Ramey King Insurance, Renters Insurance

Earthquake Insurance…in Texas?

October 11, 2019 By Laura Riley Leave a Comment

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...]

Filed Under: Blog, Business, Commercial Real Estate, Coverage, Homeowners Insurance, Personal Lines Tagged With: Coverage, Earthquake Insurance, Natural Disaster, Ramey King Insurance

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From Our Blog

Five Common Mistakes When Buying Personal Insurance

Have you ever purchased personal insurance and when you finally have to make a claim, you realize you made a mistake? This happens more often than not and we’re here to help address the five most … [Read More...]

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320 Eagle Drive
Denton, TX 76201

Phone: 940.382.9691
Toll Free: 800.453.9691

Phone: 940.382.9691
Toll Free: 800.453.9691

TX Lic #6051

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