Blog Archives

60 Seconds From Now You Can Have A Better Plan- Be Smart With Your Deductibles, Claims, & Liability Limits

    3 Things you can implement now to pay less for your insurance & get more out of it. 1. Deductibles- carry the highest deductibles you can reasonably afford to pay for if you had a loss.  This helps in two ways:  You pay less for your insurance over the long term.  Discourages you from filing

Busting Through Insurance Myths Vol. 1

MYTH #1- Agent’s Control Rates 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 with the State of

The National Alliance Congratulates Steve White

                                       The National Alliance Congratulates Steve White, Certified Insurance Counselor (CIC)   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 through a series of rigorous written examinations focusing on all major fields of insurance,

All Texas Homeowner’s Policies are Basically the Same, Right?

  Short answer, no.     Make no mistake, all TX homeowners policies are not the same. There are significant differences, taking a few minutes to learn and digest some of the major differences will most certainly stack the cards more in your favor come claim’s time. The good news is, with respect to “major”

60 second answers | Home and Auto Claims | How Long do They Stay on My Record

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

60 SECOND ANSWERS | I Have General Liability Coverage For My Business, I’m Covered! Don’t Be So Sure…

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

11 Factors That Affect Your Insurance Rates….A Few May Surprise You

Rates go up and down and are based on many factors, too many to list in a single format.  But here are 11 factors that can affect your personal insurance rates: Your credit score Your location (zip code) Age of house Size of the house Age of roof Combining your insurance with one company Age of HVAC/heating system Number

11 Factors That Affect Your Insurance Rates….A Few May Surprise You

Rates go up and down and are based on many factors, too many to list in a single format.  But here are 11 factors that can affect your personal insurance rates: Your credit score Your location (zip code) Age of house Size of the house Age of roof Combining your insurance with one company Age of HVAC/heating system Number

What is a CIC (Certified Insurance Counselor)?

  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 a dedication toward self improvement. The CIC designation indicate a strong indication that an agent has the knowledge, personal dedication, and expertise to succeed in an ever-changing, demanding profession.

Would You be Able to Document Your Belongings After a Loss?

3 Tips To Help You Document Your Belongings Now, Before A Major Loss   This will take most people 10-15 minutes depending on the size of the house.  It will prove crucial and you will e glad you did this should you ever face a major loss. 1. Take pictures and video with your smart