Surprise Insurance Agent

Using caution when buying an automobile is always important.   But now it is more important than ever and I will tell you why.     Personal Experience!!!   Let me start off with a personal story.   A number of years ago I was searching for a vehicle to replace one that was just totaled out because of being rear-ended.   I was looking for a specific kind of car and went to many places to try and find one at the right price.   I found what I was looking for at a good price from a private seller.   I went and met with him to look at the vehicle.   As my wife and I were driving we noticed a couple weird little thinks that didn’t seem normal.   For one the CD player was flashing an error code.   The seats were leather but they didn’t have a normal leather feel to it.   So when I got back to the house I talked to the seller a bit more.   He told me that he owns a mechanic shop and this was a vehicle he got fo...

What we saw in Texas and the surrounding area of Houston is a great lesson that having the right coverage could save you a lot of heartache and pain down the road.   I read a news article that 85 percent of the homes that were flooded in Texas didn’t have a flood insurance policy.   Do you need flood insurance?   The following is a little information about flood insurance.     What is considered a flood as far as insurance goes?   When a weather event happens and the rain water hits the ground and starts flowing that is a flood.   If this flowing water enters your residence that is flood damage and is an excluded peril on your home insurance policy.   If the storm damages your home and rain enters through that damage causing water damage to your home.   That is considered water damage and is covered on most home insurance policies.   If a pipe burst in the inside of your house and caused water damage to your ...

As most of you have heard Equifax has disclosed that there was a giant cybersecurity breach of personal information for as many as 143 million Americans.  We all know that your credit score affects interest rates you pay for borrowing money, and also eligibility for borrowing money.  Most people don't know that your credit affects your insurance premium as well.  Yes you heard that right.  Part of your premium for paying your auto, home, or renters insurance is determined by your credit rating.        If you are concerned about your information being part of the cybersecurity breach you can go to this link Equifax and enter your last name and the last six digits of your ss#.  It will tell you if you are part of the breach of information.    Our company has an endorsement that you can add to your home or renters policy that gives you another form of protection.  The endorsement is called Identity Fraud Ex...