east Dallas insurance agents Archives

Independent Insurance Agents and How We’re Different

A friend of mine sent me an email asking if I’d review her car insurance. After replying I’d be honored to, she asked me a question which comes up once or twice a year. Her question was, “Do I charge for my services?” This question is usually asked by people who’ve never worked with an independent agent before talking with me. Other people, have asked this, as well as, a follow up question, “Will I still be their agent, once I write their policy?” Let’s look at the two categories of insurance agents, how we are alike, how we are different, and the answers to both questions.

Home Insurance and Earthquake Coverage

I was in my first earthquake over the Labor Day weekend. For the past few years, Sheri’s family has rented a cabin in Davis, Oklahoma for Labor Day weekend. It’s a great time to get away, be together, cook for each other, and watch too much football. I slept through the 5.8 magnitude earthquake which was felt in north Texas all the way north to Illinois. It didn’t cause too much damage to our Oklahoma neighbors, but it provides a great backdrop to revisit home insurance and earthquake coverage.

Home Insurance for a Town House

There’s an old saying, “If it walks like a duck and quacks like a duck, then it’s a duck.” That isn’t always the case when it comes to a town house. From an insurance standpoint, sometimes a town house is a house and other times it’s a condo. It really depends on the homeowners association and their insurance policy.

Car Insurance and Hacked Vehicles

Imagine you’re driving down Interstate 35 at 70 miles per hour just outside of Dallas when your car begins to spray wiper fluid continuously on your windshield while the windshield wipers are flailing madly away. Or your stereo starts blaring a local radio station and you’re unable to turn down the volume, change stations, or turn it off. Maybe your air conditioner turns on at full blast but you didn’t touch anything, or you start slowing down and you’re unable to accelerate even when the pedal’s floored.

Car Insurance and College Students

College is a wonderful and sometimes slightly scary time for most parents. Their son or daughter is spreading their wings, stepping out on their own, and beginning to prepare for life as an adult while they figure what their future holds. It is also a time when a son or daughter begins to make decisions for themselves, some of which have adult level consequences.

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.

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

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?

Texas Condo Insurance Coverage

Last week’s post, An Introduction to Condo Insurance (see https://wiseinsurancegroup.com/an-overview-of-texas-condo-insurance/) addressed how to determine the amount of condo insurance needed and what it covers. There’s more to a condo policy, however, than covering the finish out of the home and your personal property or contents. There are other coverage items to consider including personal liability, medical coverage, deductibles, and home owner’s assessment.

Tag: east Dallas insurance agents

Independent Insurance Agents and How We’re Different

Home Insurance and Earthquake Coverage

Home Insurance for a Town House

Car Insurance and Hacked Vehicles

Car Insurance and College Students

Flood Insurance Limits and How to Get Around Them

What do Home and Boat Insurance Have in Common?

When to Add a Teen to Your Car Insurance Policy

Why Have Renters Insurance?

Texas Condo Insurance Coverage

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