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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.

Why Have Renters Insurance?

I received a phone call last week from a woman who was referred to me by a mutual friend. She’s relocating to Dallas after going through a divorce. She’d rented an apartment and needed renters and car insurance. We talked about what she owned for her quote, and she asked me a question I thought was interesting; would she really need renters insurance if the complex didn’t require it as a condition of her lease?

Should You Exclude Drivers from Your Car Insurance?

One of the questions the parents have asked is should they remove that son or daughter from their car insurance policy and require them to get their own insurance? While this action may lower the cost of car insurance for the parents, I usually don’t advise parents do this for three reasons; parental liability, denied claims, and expense.

Home Insurance Inspections

I received an email from one of my insurance company’s underwriters. They wanted to clarify one thing that turned up in the inspection of a home I’d recently written a policy with them for one of my clients. The item the underwriter wanted to confirm was the type of cooling system the home used to see if it met their guidelines. If it did, the policy would remain in force, however, if it didn’t, the policy would have to be cancelled.

What is Inland Marine Insurance and Who Needs it?

I had a conversation with a local Dallas home builder recently. We were discussing an upcoming project he was about to start and the builders risk insurance he needed for it. We’d already covered the project’s scope, the current value of the home, and its increased value when the renovations are completed. I then asked him about the value of materials he’d be purchasing and the delivery schedule.

An Introduction to Motorcycle Insurance

I admit it; I’ve always had a little bit of jealousy for anyone who rode on a motorcycle. It didn’t matter if it was a sport bike, cruiser, or off road bike. One of my favorite sounds is the low throb of a V-Twin idling. It’s music to my ears! In the next few years, I’ll take the plunge, take the rider safety class, and buy a bike, but until then, I’ll satisfy that urge helping people with their motorcycle insurance.

When to Add a Teen to Your Car Insurance Policy

Why Have Renters Insurance?

Should You Exclude Drivers from Your Car Insurance?

Home Insurance Inspections

An Introduction to Motorcycle Insurance

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