When it comes to financial planning, life insurance is one of the most important tools you can have in your arsenal. Yet, many people delay purchasing a policy, thinking they have time. Securing life insurance at your current age offers some incredible benefits, impacting both your financial stability and your peace of mind. Let’s dive…
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Purchasing a new home is often the biggest financial commitment you will ever undertake. When obtaining a Texas homeowners insurance quote, one key consideration is determining your home’s true value. Typically, there are three primary methods used to evaluate this value: the Reconstruction Cost, the Market Value, and the County Appraisal. Reconstruction Cost This figure…
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Do you know the signs of shingle damage? Asphalt shingles are the most common roofing material in Texas and knowing the signs of damage can help prevent costly repairs. Your roof is the most critical element for protecting your home from severe weather. However, over time, it can suffer from wear and tear. Here are…
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No policy in Texas is the same. It is more important than ever to have an independent agent help you navigate insurance options so you can choose the best policy for your needs and budget. Your personal independent insurance broker is your advocate and has a fiduciary duty to help you with no bias from…
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Hurricane insurance is essential for homeowners due to susceptibility to severe weather events. Texas homeowners face unique challenges when it comes to property insurance. While standard homeowners’ insurance policies typically cover wind and hail damage, they often exclude damage caused by hurricanes when homes are located along the Gulf Coast. To ensure full protection, homeowners…
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Insurance policies are different with every carrier, and some do not include broad water coverage terminology. Review your current policy or ask your agent about the coverage you feel is most important. It is important to note that you may be grandfathered into coverage that no longer exists on newer Texas policy forms or quotes.…
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Depending on your policy, most Texas homeowners insurance plans will cover hail damage to your roof and other parts of your home. However, in areas of the state where hail is more frequent, insurance policies are more likely to include restrictions on coverage or higher deductibles. Severe hailstorms can happen almost anywhere, and it can…
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Climate change is increasing wildfire activity as Texas continues to warm. The Congressional Research Service indicates an average of 61,410 wildfires each year and about 7.2 million acres impacted annually. Locally Texas A&M Forest Service shows that in 2023, Texas firefighters responded to 6,534 wildfires, a little more than half the previous year. The 2023…
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What is an independent insurance agent? Your local independent agent has the fiduciary responsibility to be your advocate. That means your personal agent places your interests above their own, and over the interest of the insurance company. Your local agent works for you and can answer your questions without the influence of an insurance carrier.…
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Texans are very price-focused these days due to insurance property market conditions and climate change impacting inflation. However, many clients may not understand that going without insurance, or that cheap home insurance, is not always a good insurance solution. Why is the Cost of Insurance Increasing in Texas? All Texas insurance companies are raising…
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