The average home in the United States costs average home in the United States costs $229,000. This is obviously a big financial investment to make.
In addition to that, the average homeowner pays $1,131 per year in homeowner insurance costs, which is a 3.3% increase over last year.
Your home is a major investment, but insuring it doesn’t have to break the bank.
Read on to learn about the steps you can take to obtain affordable homeowners insurance for your home and family’s future. [Read more…]
If you’re injured on the job, you may be eligible for workers’ compensation, which can supplement your income while you heal.
However, not all laws are the same for every state. Texas handles things differently than many other parts of the country.
Read on to learn how workers’ compensation in Texas differs so you’re ready in the event of a work-related injury.
One of the most important differences between Texas and other states is that Texas doesn’t require employers to have workers’ compensation coverage. [Read more…]
13% of all American motorists were uninsured as of 2015.
If you get hit by someone who does not have insurance, you could end up paying for expenses like medical bills, car damages, and car rental yourself. You may need to sue the driver. If, however, they don’t have insurance, the chances are high that they don’t have much in terms of assets either.
Some states, such as New York, North Carolina, and Vermont, require drivers to carry uninsured motorist coverage. This protects you against damages if you get hit by an uninsured driver. It also covers hit-and-run accidents.
Underinsured driver coverage is slightly different. It kicks in when the driver who hit you has liability coverage, but it is too low to cover your damages. This may happen in states that require low liability limits. [Read more…]
What’s the #1 natural disaster in the U.S.? It might surprise you to know, but it isn’t earthquakes or a tornado. It’s flooding.
Every state in the country has experienced flooding or a flash flood in recent years.
However, in spite of this, homeowners’ insurance policies don’t come with flood insurance built-in. If you want coverage, you have to buy flood insurance separately.
If you’re like most folks, you’re looking to save on your monthly bill and may consider not adding flood insurance to your policy. After all, it isn’t always necessary and you don’t want to be throwing money away. But you should know the risks before making your decision.
Continue reading to learn about the telltale signs that indicate you should get flood insurance. [Read more…]
In 2017, American companies spent a total of $730 billion on business insurance in a single year. What is business insurance? Business or commercial insurance is an excellent way to protect your company’s property against theft, loss, and more.
Business insurance also provides security against lawsuits, sickness, and damaged property. Here’s everything you need to know about business insurance and why it’s the right choice for your company. [Read more…]
Have you ever considered using an independent insurance agent for your insurance coverage needs? If so, we’re here to convince you that it’s the right choice.
We all have to have insurance. It’s the law in Texas. However, sometimes finding the right plans at the right prices and which bundles and discounts you qualify for can be confusing.
That’s what independent insurance agents are for– to take the load off your shoulders so you can sit back, relax, and rest assured you’ve got the best coverage for the best price. You also have someone advocating for you! [Read more…]
According to the Insurance Information Institute, motorcyclists and their passengers are more vulnerable to accidents in inclement weather than those in closed vehicles.
If you live in Texas and own a motorcycle, this is important to you, especially during the stormy spring and summer months (more folks on the road and more likely are out riding their motorcycle).
When you’re riding your motorcycle on the open road, you want to ensure you prepare yourself for anything that can happen. This includes ensuring that you have the right kind of insurance in the case of an accident, inclement weather or if another driver causes an accident. [Read more…]
Boating season is whenever you want it to be in Texas, really, as long as the sun is out and the fish are swimming. Well, really, those aren’t essential to getting your boat on the water, but you get the idea.
However, most of us only take our boat out in the spring and summer, after storing it for the “winter”.
Leaving your boat in dry dock or storage for a while means you need to do some boat maintenance when it’s time to get it back in the water. Keeping your boat maintained is the best way to prolong its life, and to keep you and your passengers safe.
Keep reading for some boat maintenance tips that will keep you cool and safe on the water. [Read more…]
Summer is a time for care-free lounges by the pool and playing with all of your favorite toys that come along with it. That being said, before your grab you towel and sunscreen and head out without a look back, you’ll want to make sure that you are actually protected with all of your toys and vehicles so that your summer can have that fun and care-free feel to it, instead of worrying and waiting to see if someone is going to hurt themselves. While no one wants to see loved ones hurt, you can help out with the pain of financial protection through having the right kind of personal insurance. [Read more…]
Car accidents are terrifying. When you get into a car accident your adrenaline is heightened and your mind begins to race all over the place. Even if it’s a simple fender bender, it’s hard to remember the details when you are shaken up. For these reasons and more, it’s a good idea to have a plan in the event you get in a car accident.
Putting together a car accident procedure guide before you’re in an accident is smart. This way, if you ever do find yourself in this scary situation, then you’ll know exactly what to do.
Keep reading to find out recommended actions to take after being involved in a car accident. [Read more…]
