People who live in the counties along the Texas coast usually have a policy that’s unfamiliar to most homeowners in north Texas. In addition to home insurance, most homeowners in the coastal counties of Texas will also have a separate wind insurance policy. This policy specifically addresses damage to a home caused by high winds normally associated with a hurricane.
Last week, the Bureau of Labor Statistics released the results of their annual study on families and how they’re doing economically. It wasn’t great news! Average household income for 2012 to 2013 is down by $103 to $65,069 before taxes, but their expenses increased by $777 a year to $51,408. Contributing the most to the increase in expenses were transportation costs ($8,999 a year on average) and kids.
My friend’s son graduated from Texas A&M University and moved to Dallas to begin working with a company in the Las Colinas area. As the mom and I discussed the policy, I asked her how long she planned to leave her son on their car insurance policy. She and her husband were thinking about “encouraging” him to get his own policy now that he’s on his own. In response, I asked her if she’d like to know what I recommend all my parents who are facing the same decision.
A couple of weeks ago, I was having coffee with a retired couple in a Dallas Starbucks reviewing the home insurance quotes I’d prepared for them. They’d been referred to me by a friend who was concerned they were paying too much for home insurance. They were asking questions about the quotes we’d reviewed and the explanation I’d given for the coverage. The wife asked me one final question which was, would the home insurance premium increase next year?
I’ve had the pleasure of working with a number of Dallas / Fort Worth area business owners with their commercial car and truck insurance. We’ve written cars, pickup trucks, cherry pickers, and even cement mixers. It’s always interesting to determine what insurance company will provide the best coverage and the best rate.
Which state has the worst drivers in America and what other states comprised the top 10 list? Conversely, which states have the best drivers in the county? A study published in December of 2013 answered these questions in their best and worst drivers list.
Every home insurance quote begins in a conversation with the home owner or buyer. I take the time to understand how the home is finished out such as the number of bedrooms, bathrooms, type of floor coverings, roof type, etc. This information is then entered into the replacement cost system for each insurance company we work with which in turn generates a home’s replacement cost value.
Two seconds. That’s how long it takes for a child to drown. One Mississippi, two Mississippi and your life could be changed forever. Even if you don’t have a swimming pool, chances are you and your child(ren) will visit someone who does or you’ll join friends and family for an outing on a lake, river or at the ocean this summer.
A client sent me an email two weeks ago that turned into an enjoyable “conversation” over a series of email messages. My client has a teen daughter that’s about to get her learner’s permit and she wanted to know when she should add her daughter to her car insurance policy.
On July 8, 2013, the Dallas Morning News shared Kirstyn Blackwood’s story. She’d been out with friends on a boat at Lake Ray Hubbard near Rockwall for the fourth. After a day of sun and partying, the boat fired up its engine and headed back to the marina. The only problem was Kirstyn who’d jumped off the boat was accidently left by her group. She called out to the boat when it began to pull away but wasn’t heard due to the music being played. They discovered she was missing when they arrived back at the marina and notified the police.
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