What Is Replacement Cost? The term replacement cost gets used often (both in and outside the industry). It’s MAY be on one (hopefully two), sections of your home or business insurance policy. Not knowing will cost you. After nearly two decades in the insurance industry, I can tell you that some of the most common
We always want you paying the least and getting the most for your insurance. To help, there a few specific home & auto insurance tips that can help you reduce the chances of having to file expensive (and often avoidable) insurance claims. Not filing avoidable claims help keep your costs low and coverage
3 Ways To Pay Less For Your Insurance (And get the most out of it) There are 3 simple keys to pay less and get more for your insurance. But before you proceed you should keep this one principle in mind. This is a principle that we should all be taught in school. It
MYTH #1- Agents Control Rates Question: Why are quotes from the same company different from different agents? There is no one answer to this, however understanding the insurance market and pricing will give you an edge as an informed consumer. Most important to be aware of is home and auto rates in TX are filed
The National Alliance Congratulates Steve White, Certified Insurance Counselor (CIC) From the National Alliance (www.scic.com) The National Alliance congratulates Steve White for attaining the designation of CIC—Certified Insurance Counselor. By earning and maintaining the CIC designation, Steve has demonstrated professional competence
Are All Texas Homeowner’s Insurance Policies The Same? Short answer is, NO (not by a long shot) Texas homeowners insurance policies are NOT the same. There are significant differences, that are expensive if you get it wrong (but getting it right is easier than you think). Let’s take a few quick (easy) minutes to
Home and Auto Claims….How Long do They Stay on My Record? Claims generally stay on your record for either 3 or 5 years. Companies are filed with the state to look back in a time window of usually 35-60 months. This means that rates can affect you for up to 5 years. But the good news is
I Have General Liability Coverage For My Business, I’m covered! Don’t Be So Sure… Many business owners think that a general liability policy is their end all be all savior for claims against their company. What many fail to realize is that for the most part, general liability policies are inherently, well…pretty restrictive. Mostly, a
Home and Auto insurance premiums go up and down based on many variables. Nearly too many to list in one post. There are some that are in your control and others that aren’t (and a few that are sort of in your control). Your insurance score (based in part on your credit score- This
If you are wanting the to easily identify a quality Agent, one GREAT place to start is to find an Independent Agent that is a CIC. The CIC (Certified Insurance Counselor) designation is a national designation program developed by the National Alliance. A CIC is recognized throughout the industry as someone who has
