Surprise Insurance Agent

Is price the most important part of shopping for insurance?   If you say yes you could be setting yourself up for a large headache down the road.   If you are responsible for a serious accident, the last thing on your mind is how much am I paying for insurance.   You’re going to be concerned if or if not your policy will cover the injuries, loss of work, damages, or rehab of the party injured in the accident.     If the injured party gets an attorney the first thing they will do is find out what your limits are on your insurance policy.   The second thing they will look at is the possibility of collecting a settlement over the limits of your insurance, if the injuries are projected to be over the limits.     What can the attorney of the injured party go after?   Most everything in your financial portfolio is on the table.   They can come after all assets including, checking accounts, savings accounts, and...

The night of October 31 st has become a night of kids and families going door to door trick or treating.   When I was a kid we just went door to door and didn’t see any decorations or anything.   Now it seems that more and more people are putting out decorations and setting up their own mini scare house.   Your home can be a great place for families to visit.   If someone gets injured on your property while trick or treating that could spell for some very bad news.   It could open you up for a lawsuit.   Here is a list of things to be aware of to make your home as safe as possible for your visitors on Halloween. Turn on your lights and make sure the walkway is well lit. Remove any potential tripping hazard Place a divider where your decorations are to prevent kids from running to them.   Make sure your decorations aren’t in the way of walkable traffic If it’s windy, remove anything that is hanging that might get blown awa...

One more moment.   What if we could have one more moment with that loved one that has passed?   What would we say?   What would we do?   The events in Las Vegas is a sobering reminder of the fragility of life.   One moment we are alive and enjoying the finest things in life.   Then the next, tragedy has happened.   We are never guaranteed tomorrow.  As a young man I always made it a habit of saying “I love you” to my kids whenever I dropped them off at school.   For some reason if something happened to me they will remember that daddy’s last words spoken to them was, I love you.   Always be kind to your loved ones.   At times we get upset with each other.  But let’s do what the good book says.   That is “do not let the sun go down while you are still angry” Ephesians 4:26.   Make sure your conversations reinforce your love for your spouse and kids.   Let your last words be of love before departing...

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...

College Insurance Needs     So your kids are off to college and it’s very exciting.   But is there anything as parents you should be concerned about as far as insurance.   I’m here to give some thoughts as to a few areas that could leave parents exposed and how to protect yourself from a huge bill.     Renters Insurance   For the most part parents don’t think about getting renters insurance for their student at college.   But there can be some benefits for doing so.   Usually your home policy will extend coverage of personal items up to 10% off premise.   This would include a child away at college.   There is a downside for relying on your homeowner’s policy to cover your student’s items away from home.   If there is a claim for the theft of items it could affect your rates now that you have a claim on your policy.   Or if you have a couple of claims on your home policy that could get you i...