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...]
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...]
Trampolines and your Homeowner’s Insurance
Trampolines are almost a right of childhood. They’re fun, get kids outside, and encourage active play. But before you consider installing one in your home, it’s critical to understand that trampolines might not bode well with your homeowner’s insurance. The reason for this is simple: safety concerns. Continue reading below to learn more about the risks associated with these play items. Does … [Read more...]
Mortgage Lenders & Insurance
Whether it’s your first home or your third, it’s always an exciting time to buy a new house. You’ve fulfilled the list of requirements put in place by the mortgage lender and gathered all necessary documentation. However, there’s one thing the lender always requires: buying a homeowner’s insurance policy. Why is it required? Your lender will require that you buy enough home insurance to … [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...]
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...]
Flood Insurance 101
The risk of flooding can strike pretty much anywhere and everywhere. Even if you live outside of a high-risk area, your home is still vulnerable to these natural disasters. Now, if you live in these high-risk areas, you probably already have the required flood insurance protection. But what if you don’t? Well, we’re here to help clarify some information about flood insurance in another one of … [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...]
Is your home prepared for winter?
Winter is upon us, and much of the United States is experiencing freezing temperatures. If you live in a region where the temperature drops below freezing; here are some tips to help protect your home during cold spells. Keep freezing pipes from bursting Frozen water in pipes causes pressure to build and could result in the pipes bursting at their weakest point. Pipes in attics, crawl spaces … [Read more...]
Personal New Years Insurance Resolutions
Have you made your New Years Resolutions and Goals? If you have, we hope they work for you and increase your personal situation. But also do any of these goals result in insurance change needs? Any new properties or homes? Find out what the premium estimates are for these additions before you make the change. Will you be adding value or changes to your home? What changes does that … [Read more...]
