University Park 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.

Two Car Insurance Claims with Different Approaches

In the past week, I’ve had two conversations with two different clients. Both clients were involved in accidents where they were hit by the other driver; one was rear ended by a commercial vehicle and the other was struck by a car that changed multiple lanes in order to attempt making the exit. The question both clients asked was the same, “How should they file their car insurance claim?”

Home Insurance Claim or Maintenance?

A client called me two weeks ago. Their air conditioner died and they wanted to know whether or not it was covered by their home insurance policy. Given the cost of replacing an air conditioning system, I would ask the question too. The answer though, is it just depends on how they answer my next question.

Camper and RV Insurance Coverage

A friend of mine asked me to quote a new travel trailer for him last week. He was graduating from a pop-up camper to a larger travel trailer and I thought it would be a great time to take a look at camper and RV insurance coverage, specifically the types of coverage available on a policy.

Home Insurance and Named Perils vs All Risk Policies

I was talking with a person the other week about home insurance. They asked whether the policy I had proposed was a named peril or all risk, or open peril, policy. It’s an excellent question and one we should delve into to expand on last week’s post, The Three Home Insurance Form Types (see https://wiseinsurancegroup.com/three-home-insurance-form-types/).

The Three Home Insurance Form Types

Insurance companies write home policies based on industry standard forms or policy types as outlined by the Insurance Standards Office. These standard forms are used to define how policies will be written and what coverage is included. There are 6 home insurance policy types including home, renters, and condo policies. This post, however, will focus on the 3 most common ones written in Texas

Motorcycle Insurance Coverage

The sound and throb of an idling V-Twin motorcycle is music to my ears, especially with a nice set of pipes. After listening to a beautiful Harley, I thought it was time to revisit motorcycle insurance with an overview. This will be the first in a two part series. In this post, I’ll provide an overview of the sections of a motorcycle insurance policy and will follow it next week with an outline of factors that impact a policy’s rate.

Duplex Insurance

I received a call last month from an investment property owner. He’d bought a duplex in Houston earlier this year as a rental property and had a question about the insurance he’d originally purchased from another agent. Even though he had only bought one side of the duplex, he’d been told most carriers required both sides be covered in order to write a duplex insurance policy. He wanted to know if that was correct.

How Much Car Insurance Increases When Adding a Teen Driver

I’m working with a number of clients who are parents of teens. They usually call me when their son or daughter is about to get their learner’s permit to ask several questions relating to their car insurance policy and their teen who’s about to drive. The questions include when they have to add them to their car insurance policy and does it make a difference whether they do the classroom or parent led driver training. The brave parents want to know what it will cost to add their teen driver to their car insurance policy when they get their license!

Texas Wind Insurance

Most Texas homeowners never have to think about wind insurance, it’s included with their home policy. When you see the wind / hail deductible listed with an amount or percentage next to it, this indicates your home policy covers it. Those Texans who own homes along our Gulf Coast, however, do need to think about wind insurance. Many home insurance companies don’t include wind coverage so those homeowners have to look elsewhere for this coverage.

Tag: University Park insurance agents

Independent Insurance Agents and How We’re Different

Two Car Insurance Claims with Different Approaches

Home Insurance Claim or Maintenance?

Camper and RV Insurance Coverage

Home Insurance and Named Perils vs All Risk Policies

The Three Home Insurance Form Types

Motorcycle Insurance Coverage

Duplex Insurance

How Much Car Insurance Increases When Adding a Teen Driver

Texas Wind Insurance

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