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Flood Insurance Limits and How to Get Around Them

There are a number of things most people don’t know about flooding of flood insurance, such as flooding is the top natural disaster in the US, and that flash floods are the top weather related killer, or that 20% of all flood claims are from low and moderate risk flood zone areas (see https://wiseinsurancegroup.com/texas-floods-and-flood-insurance/). There is one other thing most people don’t know about flood insurance, and that is there are limits on how much a policy will pay on a claim.

Identity Theft Protection in the Wake of Government Hacks

Two data breaches of government systems have made headlines since late May. One involved the Internal Revenue Service where hackers gained access to 104,000 tax returns. This pales in comparison to the hack of the Office of Personnel Management where the personal data of 21.5 million current and former employees, as well as applicants was breached.

What do Home and Boat Insurance Have in Common?

A colleague called me a few weeks ago. He was helping a new client who was relocating to Dallas with their home and car insurance. My friend asked me if I would quote the family’s boat insurance. It turns out, the insurance company my friend is with doesn’t write a standalone boat policy, they place it as option on the home policy. This approach raised the home insurance too high and caused the mortgage ratios to be out of whack

How Updates Impact Home Insurance

There are a number of items I cover with someone when quoting their home insurance including square footage, number of stories, room configuration, floor coverings, and grade of finish out in the kitchen and bathrooms. I also review what updates have been made to the home. The updates insurance companies focus on are plumbing, electrical, heating and cooling, and the roof.

The Dallas Cowboys, the FAA, and Drones

What do the Dallas Cowboys, New England Patriots, and New York Giants all have in common? Aside from being NFL teams and Super Bowl winners, they each have used a drone to film football practices, causing them to either be contacted or investigated by the FAA for violating federal airspace rules. The Washington Nationals received a similar “commendation” from the FAA after using a drone to take publicity photos during Spring Training.

When to Add a Teen to Your Car Insurance Policy

I had two conversations with two different clients over the last two weeks about teen drivers and their car insurance policy. One client has a daughter that’s turning 16 so we worked through the steps of when to add her to the family’s policy. The second client has a daughter that’s turning 15 and will get her learner’s permit. In this instance, the mom wanted to know when she should add her daughter to the family’s insurance policy, as well as, whether it make a difference if her daughter takes a driver education class that’s instructor led or parent led.

Flood Insurance Limits and How to Get Around Them

Identity Theft Protection in the Wake of Government Hacks

What do Home and Boat Insurance Have in Common?

How Updates Impact Home Insurance

The Dallas Cowboys, the FAA, and Drones

When to Add a Teen to Your Car Insurance Policy

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