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...]
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...]
What’s Covered in a Standard Homeowners Policy?
For many of us, it’s overwhelming talking about homeowners’ insurance and trying to determine what coverages best fit our needs. If you've just bought a home or need to review your current policy, Ramey King Insurance can help. But where do you start? Let’s take a few minutes to review the basics of a homeowners’ insurance policy so we can better help you. A standard homeowners’ insurance … [Read more...]
What to do after the flood or hurricane damage?
Check list for cleaning up damage and starting the insurance claim process Early estimates on the damage from Hurricane Harvey range from $10 billion- $80 Billion. FEMA Director Brock Long has called Hurricane Harvey the worst disaster in Texas history. He has also estimated that it will take years for the Southeast Texas Region to fully recover. If you or a loved one has been effected by the … [Read more...]
Hurricane Harvey and your Insurance
Hurricane Harvey is rapidly approaching landfall on the Coast of Texas. It is of the upmost importance that every necessary precaution is taken to avoid what is being called the “Strongest Texas Coastal Bend Landfall in at least 47 Years.” The Weather Channel is forecasting days of rain through the end of August, possible complete destruction of mobile homes, and serve damage to trees. Please … [Read more...]
