Do you have auto insurance? If you were to get into a car accident, would your insurance cover everything? Most people think the answer is automatically "yes," but it's actually a bit more complicated. Not all auto insurance policies are the same, and the coverage you have might not be enough. That's where understanding your liability limits comes in.
Read MoreWhy the Rising Cost of Insurance Makes Trusting Your Agent More Crucial Than Ever
It’s no secret that insurance prices have been steadily increasing over the past few years, but now more than ever, homeowners are feeling the pinch. In Texas, carriers have made significant changes, such as switching wind and hail deductibles to 2%, which effectively doubles the amount homeowners must pay out of pocket for these types of claims. Even with these adjustments, rates remain high, leaving many homeowners frustrated and searching for ways to lower their insurance costs.
Read MoreWhy Now Might Be the Time to Keep an Eye on Interest Rates
For homebuyers and those considering refinancing, interest rates play a crucial role in determining your mortgage costs. Recently, we’ve seen some movement with rates starting to trend down, which could signal an opportunity to secure more favorable terms on a new mortgage or refinance an existing one.
Read MoreWhen you're in the market for a new car, one of the most important factors to consider—besides the color and tech features—is how your new ride will impact your auto insurance premium. Many drivers don’t realize that switching vehicles can cause your insurance rates to fluctuate, sometimes significantly. Insurance companies use real-world data from drivers to calculate their rates, and certain vehicles are simply more expensive to insure than others. Let’s take a look at why that is.
Read MoreWhen Should You File an Insurance Claim (and When Should You Not)?
Insurance is there to help protect you financially when the unexpected happens, but deciding when to file a claim can be tricky. While it might seem tempting to file a claim for any damage or incident, there are situations where filing can have unintended consequences. Let’s explore when it makes sense to file, and when it might be better to hold off.
Read MoreBuying your first home is an exciting step into adulthood, but it can feel a bit overwhelming, especially if you’re in your 20s or 30s. With the current housing market and interest rates on the move, it’s essential to know what you’re getting into before diving in. Here’s a straightforward guide to help you start your home buying journey, from understanding your budget to exploring financing options that fit your lifestyle.
Read MoreDivorce brings significant changes, especially in managing insurance. Learn why it’s vital for women to take control of their insurance during this transition. Get practical advice on updating auto, homeowners, renters, and life insurance policies, and ensure your coverage meets your needs for a secure future.
Read MoreAs an insurance agent, I understand that owning a dog can bring immense joy and companionship into your life. However, it also comes with certain responsibilities and risks, including the potential for dog bites. Dog bites can lead to serious physical and financial consequences, and that's where insurance comes in. Let me guide you through the essentials of dog bites and how insurance can protect you, your family, and your beloved pet.
The Reality of Dog Bites
Dog bites are more common than many people realize. According to the Centers for Disease Control and Prevention (CDC), approximately 4.5 million dog bites occur…..
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