January 21, 2016 by Nanc y | Comments Off on Home | Filed in Uncategorized

A guide for Texas Homeowners Insurance

August 10, 2015 by Nanc y | Comments Off on A guide for Texas Homeowners Insurance | Filed in Homeowners Insurance

Sure, most folks are familiar with the term “homeowners insurance” and they know it’s a wise investment to cover big risks, but they generally don’t know some of the important aspects of dealing with homeowners insurance (https://www.texasquotes.com/). If you’ve always been just a little confused or befuddled about homeowners insurance, these tips could prove to be helpful.

Doubts About Homeowners Insurance Coverage

If you have any doubts at all that you have adequate homeowners insurance coverage, speak up. Contact your agent to discuss any questions and concerns. In reality, there are many homeowners that are actually under-insured and don’t even know it.

Most people make the assumption that their homeowners insurance magically updates itself for inflation. They assume if their home were to be destroyed by a tropical storm in Texas, there would be plenty of coverage for rebuilding the equivalent home they have today. This just isn’t true unless you’ve purchased insurance inflation guard.

Updating New Purchases and Upgrades on Homeowners Insurance Records

Don’t forget to contact your agent when you’ve made new purchases or additions to your home, so they can be properly insured on your homeowners insurance policy. Report things like new patios, pools, hot tubs, pool fencing, deadbolts, smoke alarms and fire extinguishers.

New Homeowners Insurance Quotes

If you’ve been in your home for years and still have the same insurance carrier, it might be a good idea to shop around for new insurance quotes for homeowners insurance.

Thanks to the Internet, you can get multiple insurance quotes online from a variety of online insurance quote websites. Most of these are free, so your biggest investment is a few minutes of your time.

If you didn’t shop around when initially setting up homeowners insurance coverage, it’s possible you didn’t get the cheapest rates for insurance coverage. Now is a good time to check!

Making Good Use of Deductibles

Higher deductibles save you money in the long run. By keeping deductibles higher, you pay a lower yearly premium. Granted the deductible (amount you pay out-of-pocket) will be higher if you have to make a claim, but you may only have to make a claim about every 10 years.

Homeowner Responsibilities

One of the most important things homeowners are responsible for is recording accurate records of their personal belongings and seeing that the insurance company has a record of this information.

The more accurate and detailed records and receipts that you can supply the insurance company for your homeowners insurance policy, the better off you’ll be if there should be a fire or a hurricane in Texas that wipes out your home. You’ll have proof of what you owned and the condition of these items.

Take photos or record all your personal belongings with a VCR in each room of the house to paint a realistic picture for your insurance company. Keep a record of any certificates, documentation and receipts of purchase for all personal items that need to be covered in your policy.

If your Texas home should be flooded from a tropical storm or you’re the victim of a burglary, you want the support of a good insurance agent and a reputable insurance company. Do a little research when choosing an insurance company, and make the effort to keep your homeowners insurance policy up-to-date so you’re covered.

Why Health Insurance is a Great Benefit to You and Your Loved Ones

August 5, 2015 by Nanc y | Comments Off on Why Health Insurance is a Great Benefit to You and Your Loved Ones | Filed in Health Insurance

When it comes to having health insurance, many people do not think that this is the type of insurance that is right for them. They might feel forced to have the coverage or they may not be able to find a plan that fits their budget and needs. If you’re living in the amazing state of Texas, there are literally dozens of health plans for you to choose from. By understanding the importance of health insurance and what is means for you, you’ll be able to find the plan that suits your needs and doesn’t have to break the bank either.

What is Health Insurance?

For anyone living in Texas, having health insurance is required or else you could be hit with a tax penalty at the end of the year. Many people feel that this is something that they are forced to get and do not really want, but the truth of the matter is that having health coverage can protect you, your family and your assets. For example, you may not be the type of person who visits the doctor all the time, but dealing with an emergency health situation may leave you stuck with the high bill after everything is said and done.

Going with some of the available Health Insurance Texas 10-15 plans, you’ll find what you need and be able to sign up right away. In Texas, the open enrollment for healthcare is usually going to be in the autumn months, but this is important to check with your plan provider to see when they take on new applicants. For better Texas health insurance visit https://www.texasquotes.com for a free quote. If you work for a company, you may be able to get help when it comes to paying the insurance premium each month and making it more affordable for you in the long run.

Paying for Healthcare

The cost of your healthcare premium is dependent upon which type of plan you’re choosing to go with for yourself and your family. Many people find that going with a cheaper plan is more affordable but that the coverage is not that good. In this case, it may be worth your while to pay a bit more for the coverage and actually get what you want. This can prevent out-of-pocket costs from becoming too much of a burden once you sign up for the insurance in the state of Texas.

Texas has a variety of healthcare companies in which they work with on a daily basis. This gives you the opportunity to compare different plans to see which one is right for you. If you’re working at a job that offers this type of coverage, the place of employment may have their own companies with which they work and these are the ones that you will have to sign up for in order to get help with paying for coverage. There are also many programs in place to help individuals who cannot afford healthcare, such as tax credits that you might be able to get or free healthcare if you are very low income.

There are so many benefits to getting health insurance whether you live in Texas or any other area of the country. The fact that you will have that blanket of protection in case of emergency or for whenever you need to go to the doctor helps to reduce costs and fees for you long-term. Also, prevention is key when it comes to caring for your health and having health insurance will help you to keep those doctor appointments without worrying that they are going to be too expensive for you to afford.

Auto Insurance in Texas | What you need to know about it

July 30, 2015 by Nanc y | Comments Off on Auto Insurance in Texas | What you need to know about it | Filed in Auto Insurance

Your monthly auto insurance payment may easily be one of the larger expenses that you are responsible for each month. Many are looking for a way to make their insurance premium more affordable, but it is also important to have auto insurance coverage that meets all of your needs. It is common for drivers to purchase an auto insurance policy because they are legally required to do so in Texas. However, there are financial benefits associated with having the right coverage in place as well. With this in mind, you may be able to save money without sacrificing on the benefits that coverage provides when you understand more about the different types of auto insurance available.

Liability Auto Insurance
According to state law, drivers in Texas are legally required to purchase and maintain a policy that has a minimum amount of liability coverage in place. You are required to provide proof of coverage upon request, such as when you are pulled over for a moving violation or when you are in an accident. In Texas, the law states that drivers are financially responsible for any damages they cause to others while driving. Liability coverage provides the financial means to comply with this law in most cases. The minimum coverage requirement in Texas is to have at least $30,000 for personal injury per person and $60,000 per accident. The requirement also includes $25,000 for property damage per incident. If damages exceed these limits, the driver will need to pay the difference out of pocket. This coverage pays for other party’s expenses, but additional auto insurance coverage is needed to cover the driver’s expenses.

Collision Insurance
This is another type of coverage available for Texas drivers. It will pay to repair or replace the driver’s vehicle in the event of an accident. It generally will not include damage or loss related to theft, natural weather events and more. Personal injury and property damage coverage for the driver may be added to this type of policy as needed. Typically, this type of policy may have a coverage limit that relates to the actual loss incurred, which generally is the value of the vehicle at the time of the collision. This coverage may be required by an auto lender if the driver has a car loan on the vehicle.

Comprehensive Insurance
Many drivers choose to purchase comprehensive coverage because it is the most inclusive type of coverage available. It provides the same benefits that collision offers, but it generally will include losses related a wider range of events, including theft and natural weather events. As with collision auto insurance, this type of insurance may have a maximum limit on coverage that is equivalent to the value of the vehicle at the time of the event.

Coverage Options
When you purchase auto insurance in Texas, you typically can purchase other types of coverage upon request. These include roadside assistance, towing coverage, rental car reimbursement, personal damage and personal injury insurance. The amount of these benefits often can be adjusted to fit your needs. These will have a direct impact on the cost of your coverage, so you may consider if you have a true need for them before you make a purchase. For example, if you have roadside assistance through the dealership where you purchased your car at, it may be redundant to add it to your policy.

Drivers who want to save money on their auto insurance policy may consider determining the minimum amount of auto insurance coverage they are required to purchase by law and by their auto lender first. Then, think about the benefits that optional auto insurance can provide in order to make a great decision about your coverage.