Faster than any of us realize, the holiday season is coming.  It’s a time of great joy, excitement and relaxation — hopefully.  However, the holiday season also has the potential to bring more hazards into your life when it comes to safety and security for everyone and everything.  Here are some of the key things to remember as the holidays creep up, and make sure that you prepare yourself or a safe, healthy and happy holiday season whether you’re at home or on the road. Read the rest of this entry »

Auto insurance is one of those things that seems annoying until you have to use it.  Sure, the monthly premium may not feel like a must-have or very “premium” but it is an essential part of owning and operating a car.  And well, auto insurance is required in Texas.  Luckily, you can look at cutting costs of your auto insurance policy.  You just have to focus on the right details when it comes to putting together the policy.  You’ll find some great tips and suggestions below that should help you get the most convenient rates possible. Read the rest of this entry »

It’s that time of year again.  School buses are out checking their routes because school is about to be back in session.  For some, it’s a standard process, but for those who are going away to college for the first time (or again after the summer break), it can be a mighty year filled with a lot of big changes that should get proper acknowledgement.  From a change in environment to a shift in insurance, there is a lot to focus on with this new school season. Read the rest of this entry »

With summer in full swing and everyone hitting the waves, understanding just how your boat works with your different insurance policies is probably a great detail to keep in mind.  After all, insurance is one of those things that you never think to educate yourself on until it’s too late.  Let’s break that trend right here and now by simply diving in — get it? — and learning the basics about boat insurance.

There is a specific kind of insurance for boats, which is boat insurance.  However, boats can also be partially insured under homeowner’s insurance and even auto insurance as well. Read the rest of this entry »

Protecting your home isn’t always about having an alarm system or a guard dog.  Sometimes it’s about protecting it from the weather.  Unfortunately, even the most aggressive guard dog can’t help.  Insurance is where you are going to want to focus your attention, especially when it comes to Mother Nature.

When it comes to replacing your home after a flood, it’s common to think that traditional home owner’s insurance will cover it, but this is not the case.  Flood insurance is a specialized kind of insurance on your home that will protect your home, by enabling you to repair it, if you get flood damage. Read the rest of this entry »

There are many people – as well-intentioned as they may be – that will tell you flood insurance is not something that you need to worry about.  After all, the insurance companies are out to get you, right?  Well, wrong, actually.  And flood insurance is something that you should understand and have as part of your policy in Harris and Galveston Counties of Texas.  Read the rest of this entry »

Getting on your motorcycle and hitting the Texas open roads with nothing but your helmet and a full gas tank is the dream of most biker enthusiasts all days of the year. Yup, luckily for us in Texas, we can pretty much ride all year long.  However, as with any kind of vehicle that you’re driving in Texas, there are other practicalities to keep in mind to make sure that you can keep the good times rolling for as long as possible.  Read the rest of this entry »

With spring right around the corner, the time is now to make sure that you are ready for it.  Not only does this mean gardening and sunbathing and all of those incredible parts about pleasant weather, it also means the practical features.  Including the often dreaded spring cleaning.  The reality is, spring cleaning doesn’t have to be this massive thing, nor must it happen once a year or at this time, but it’s just a good idea to do.  It’s just an excuse to help you focus on those important “must-dos” that just seem to slip under the radar during the winter. Read the rest of this entry »

Being involved in an accident is one of scariest moments ever when you’re behind the wheel.  Not to mention if you are a young and/or new driver, it’s the worst! There’s no getting around that.  Hopefully you will never have to worry about it, but if you do find yourself in an accident, knowing what to do (and not do) is important for making sure that it’s as streamlined as possible. Read the rest of this entry »

Buckling your seat belt and heading out on the road always holds a thrill of excitement, especially if you are not someone who often has the opportunity to drive.  However, it also potentially holds a series of challenges and risks that require proper care to make sure they are avoided for everyone’s safety.  Here are some top tips to keep in mind for drivers of all skill and experience levels. Read the rest of this entry »