Storm Surges Yield Surges in Contractor Fraud

2020 was a year of extremes on many fronts. But just focusing on storm fronts, experts tell us the US experienced 22 separate billion-dollar weather-related disasters last year. At this writing, the Insurance Council of Texas anticipated that the state’s February 2021 extreme weather will result in the largest claim event in Texas history. The […]

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Distracted Driving Awareness Month #JustDrive

It seems like every day we are hearing of a new accident caused by distracted driving. Whether it was caused by someone texting, scrolling on their phone, or just not paying attention to the road, distracted driving accidents are all too frequent and often fatal. In fact, according to NHTSA, distracted driving killed 3,142 people […]

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Not All Homeowner Insurance Policies Are Equal

As I’ve mentioned before in previous articles, I find it sad that personal insurance has gotten commoditized to the point where many consumers buy based upon funny commercials and/or cheapest price. However, it’s a battle that agents like me face every day and all we can ask for is the opportunity to educate our clients […]

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Common Misconceptions about the Personal Umbrella Policy: Part 2

Last week I wrote about several misconceptions that are common to personal umbrella policies. While those four misconceptions still hold true, I thought I would turn this into a two-part series since there are other misconceptions that are quite common. We’ll continue the previous list by adding a few more (along with corresponding explanations as […]

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Common Misconceptions about the Personal Umbrella Policy: Part 1

One thing I’ve learned over the years is there are several common misconceptions regarding personal umbrella insurance policies. In some cases, people who have one think it provides a blanket limit of protection but are often unclear as to how it really works. In other cases, people who don’t have one think they understand what […]

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Buying a New Car? Don’t Forget the Insurance

Buying a new car is such an exciting experience. You’ve done all the research, you’ve finally found the perfect car and you are about to pull the trigger and start the purchasing process. But are you prepared? Did you bring all the information the dealership needs? No need to stress, here is a quick guide […]

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What factors can change the extent of hail damage on neighboring homes?

As the end of summer is approaching, now is a good time to revisit the phenomenon of hail and the possible damage it can do. As the National Severe Storms Laboratory indicates, hail is a form of precipitation consisting of solid ice that forms inside thunderstorm updrafts. Hail can damage aircraft, many structures, automobiles, and […]

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Imagine…your insurance policy doesn’t fully cover a liability loss. Then what?

Imagine your child and his friends are playing with the new, family pup in the backyard. Suddenly, the dog bites your son’s friend in the face causing permanent harm. You are legally liable for the costs, and the limits on your homeowners policy aren’t enough to cover the damages. Or this one…imagine your family is […]

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Keep Children Protected from Cyber Phishing Attacks

Back to school season is upon us. Many school officials, teachers, students, and families don’t know what this school year will look like, as the COVID-19 pandemic is affecting when and how students are returning to school. One thing everyone can agree on is that we want to keep our children as safe and healthy […]

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Identity Theft: One Subject You Don’t Want to Learn at College

As students head off to school this fall, they need to stay vigilant against the scams, schemes, and tricks of identity fraudsters. Student identity theft is on the rise, all around the world. Like most predators, identity thieves like to target the young and the elderly. That’s why college and university students frequently become victims […]

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