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!

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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.

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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.

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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.

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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.

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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.

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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.

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Business Insurance Basics for Your Texas Business

League City business insurance needsBeing in business means making sure that you’ve got the proper insurance in place. That being said, many business owners who don’t always know what they should be looking for in coverage.  That’s why we’ve put together a list of business insurance basics so that you can take a look at what you absolutely should have.

Minimum business insurance options

There are a few protections that you should have in place at minimum.  These are as follows.

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