Paula Smith Auto, Home, Life Insurance

How Your Driving Record Affects Your Car Insurance Rates

Your driving record can impact your car insurance premiums, see howDid you know that your personal driving record may either be pushing up or reducing your policy premiums with car insurance?  It’s one of those details that a lot of people understand generally, but not quite in the amount of detail you’d think.  Let’s take a look. Read the rest of this entry »

Top Things to Do After Closing on Your Home

Be that couple that gets things done after closing on a homeThe day has officially arrived where your new home is officially closed and it’s now all yours!  Sure, there’s a tall to-do list, but you’ll be able to tackle it properly with the right advice to help you get the most out of the first week or so.  Let’s take a look! Read the rest of this entry »

Winterizing Your Texas Home

Winterize your home as you never know what weather will do in TexasWhen winter comes, it’s best to be prepared for it.  The tricky part, of course, is knowing just how to prepare for it!  Plus, the fact that many areas in Texas don’t see the kind of winter that most other areas do. Here are some focused tips and suggestions on how to do it so that you’ve never left in the lurch last minute.  Or, worse, after-the-fact! Read the rest of this entry »

Teen Drivers and Crash Risk Factors

be sure you set ground rules for your teen driverWhen your teen gets behind the wheel, it’s normal to feel a bit of worry coming on.  After all, they’re your child and you want them to always be safe.  Plus, you have good reason to worry — teen drivers have quite a few age-specific risk factors that make driving a little more dangerous for them.  If you’re looking to do whatever you can to help them out and protect their health and safety, here’s the deal on their crash risk factors. Read the rest of this entry »

Why Buy Insurance & Understanding Risk

Why we buy insurance and understanding the risksWhether personal insurance is just one of those monthly premiums that you pay without thinking about it or it is the cause of a stress migraine when you see how much it costs. Either way, it means something maybe just a little different to most of us.  If you find yourself in the second group, you may be asking yourself: “why am I even paying this when it costs so much, anyway?  Why not just pay out of pocket?”  It’s a totally normal question, and here’s what you need to know about risk management. Read the rest of this entry »

Why Cheaper Car Insurance Isn’t Always Better

Cheaper insurance isn't always better, know your needs Most of us are looking for smart ways to save money these days.  One of the most popular categories to cut back your spending is on insurance premiums.  If you’re looking at your auto policy and wondering whether you should minimize your coverage or maybe even change insurance carriers, take a moment to look at what you’re actually going to be getting — or, rather, not getting. Read the rest of this entry »

Creating a Home Inventory for Claims

Be sure to have an inventory of your home in case you have a claimYour home is precious to you in and of itself, but arguably the possessions in it are more valuable, right?  Well, to make sure that you can protect that value, a home inventory is going to be among the best ways that you can protect your investment. Why?  Because whether you like it or not, we can never predict when a disaster is going to strike

A home inventory is a master list noting what you have and how much it’s worth so that, in the event you should ever have to file a claim, all of the hard and sometimes impossible work is done ahead of time!  It saves you time, brainpower, and a whole lot of emotional and mental stress.  The good news is that it isn’t as hard to do as you might think. Read the rest of this entry »

Going Back to College During a Pandemic

college students go back to college amidst a pandemicThe world is no longer the same as it was a year ago. However, life goes on and this includes students heading back to college. If you’re looking for some tips on how to make this transition as easy as possible, take a look at some of these tips to truly help make the transition as easy as possible. Read the rest of this entry »

Discounts as a Farmers Insurance Customer in Texas

Save money on car insurance with these tipsEveryone’s looking to save some money on insurance, right?  Well, why wouldn’t you when there are discounts just sitting out there waiting for you?  We get it, sometimes you just don’t know what you don’t know! When it comes to discounts and insurance, Farmers Insurance has a variety of available insurance discounts specifically for Texas customers.  Take a look for yourself and see if you can qualify for these to put more money back in your pocket while still enjoying full protection. Of course, if you aren’t sure, contact Paula Smith Insurance and we can help make sure you are maximizing your benefits. Read the rest of this entry »

Understanding Your Windstorm Insurance in Texas

Be sure you have windstorm in the Galveston Coast to protect your homeIt’d be nice to think that getting a standard homeowners’ insurance would simply protect you from everything all in one policy, but the reality is very different. Additional policies will cost you extra, but also offer you extra protection. Since even minor repairs or replacements tend to rack up huge bills, this is a very good thing. One of the extra policies you’ll want to have in place living in Texas, which is important to understand properly, is wind insurance. Actually, depending upon what area you live in, you are required to have it. Read the rest of this entry »

Contact Us Form