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Do You Understand The Standard Home Owners Policy Forms?

If you own a home, you obviously need home owners insurance.

Did you know there is a basic national form for homeowners insurance which may vary by state as to offered coverage?

In Texas, home owners insurance agents can write four different types of policies.

Purchasing the right policy for [...]

November 12th, 2018|

Homeowners Deductibles – Learn To Understand Them!

Every homeowners insurance policy has some kind of deductible that the homeowner is responsible for when making a claim.

Deductibles are an additional expense on top of the cost of the premium.

To get the most value for your policy and keep your payments comfortably manageable, homeowners insurance agents recommend [...]

October 22nd, 2018|

Do You Know The Best Ways To Shop For Homeowners Insurance?

Depending on your house and insurance company, the price of homeowners insurance in Texas can widely vary.

How do you know you’re getting the coverage you need at the best price?

As with anything else you may buy, you need to shop around.

Discuss your needs with different agents to get [...]

October 8th, 2018|

Have You Considered Buying Coverage For HOA Loss Assessment?

Home Owners Associations  or HOAs are becoming more common as an increasing number of planned neighborhoods crop up here and there.

HOAs can offer many benefits; however, they also require taking another look at your home owners insurance.

While the HOA organization by itself will typically have its own insurance [...]

September 24th, 2018|

Hurricanes – What Your Homeowners Insurance Won’t Cover!

Hurricanes and severe storms can wreak havoc on your home, especially if there is flooding and other catastrophic damage involved.

A good home insurance policy is your first defense against damage to your house; however, be warned that there is certain damage not covered by most standard policies.

To make [...]

September 12th, 2018|

How Cyber Insurance Works Together With Prevention Tools!

Digital data and personal information now need just as much protection as tangible items.

Cyber insurance can provide one level of protection; however, it should not be considered as the only means of protection.

Internet liability insurance works after a data breach has happened.

The best protection starts with effective [...]

August 15th, 2018|

One Last Summer Trip? Top Tips To Avoid Home Thieves!

Vacation time is here and while this means fun for you and your family, homeowners insurance agents know it also means a higher risk for home break-ins.

Unattended homes are biggest targets and responsible for many homeowners insurance claims.

What can you do to protect yourself?

Follow these security tips [...]

August 1st, 2018|

Cyber Liability Insurance – Some Basic Information!

Cyber crime is on the rise, putting businesses both small and large as well as individuals at risk.

The need for cyber insurance has never been greater.

Providers offering internet liability insurance often find that many do not actually understand this important type of coverage is and whether or not they need it.

[...]

July 17th, 2018|

Do You Know The Costs Of A Data Privacy Breach?

Data breaches can be extremely harmful to both businesses and individuals.

Unfortunately, insurance companies are aware that the losses associated with data theft and destruction don’t stop at the cost of computer repair.

This is why having privacy insurance is so important.

Recovering from the damages sustained after a data [...]

July 2nd, 2018|

Will I Face Future Needs For Cyber Security At Home?

Technology is a great thing, except when it puts people at risk.

As our world becomes increasingly connected through the Internet of Things (IoT), personal data becomes more at risk to hacking threats.

Cyber insurance is no longer a product just for businesses.

Insurance companies are finding that the more [...]

June 18th, 2018|