Hurricane & Tropical Storm Shopping List

hurricane preparedness and storm shoppingDuring Hurricane season it’s wise to be prepared before a storm hits your area.

You can never be prepared enough when it comes to something as drastic as a hurricane, flood, tornado or any major tropical storm system. But, the point is to do your best to be as prepared as possible in the event that is occurs. If you don’t have these extra measures in place now, you might want to consider some of these and get started.

If you purchase just a few extra of these shopping items on this list each week, you won’t need a mad dash to the store to find out most of these items are already sold out.  Start early to prepare.

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Additional Coverage for Your Jewelry, Watches or Furs

additional coverage for jewelry

When you purchase homeowners insurance coverage, there are limitations pretty much for everything as it basically covers the standard amounts depending on the various situations of the loss.

The Texas Homeowners policy standard only covers $500 for the theft of jewelry, watches or even furs. If you have a few or some nice items that you want to be sure are covered for replacement, you might want to purchase additional coverage for these items.

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Understanding Your Car Insurance Claim Settlement

stress of car accidents and insurance claims Unfortunately you were recently involved in an auto accident.  A week later you receive a settlement check from your insurance company and you are shocked and appalled at the settlement amount.  Your car is worth so much more than the estimate.  You wonder where on earth the insurance company get’s their numbers from.  Don’t worry, you aren’t alone – and better yet, we can help!

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Getting the Right Boat Coverage is Essential

boat insurance coverage harris countyIn the Bay Area of League City, Kemah, Clear Lake, Bacliff and San Leon we love our boats and other toys.

Boat insurance is so important and so affordable.  At Paula Smith Insurance we have a package to please any kind of boat owner.  From the boat owner who wants just liability because they are only interested in managing their risk of being negligent, to the classic boat owner who has a historic vessel.

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Uninsured Motorist & Why Bikers Need It

motorcycle insurance coverage webster txLots of motorcycle riders in the Gulf Coast and Clear Lake Area don’t have enough coverage on uninsured motorist.   In Texas it’s required coverage, but you are able to reject it in writing and lots of insurance providers may not explain the importance of including uninsured motorist on your motorcycle.

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Flood Insurance for Texas Gulf Coast Residence – 2011 Changes

Why League City may face flooding changesCoastal residence have a unique risk of flooding and rising water which is not always a threat to other Texans and our Insurance faces changes in 2011.   Our FEMA managed National Flood Insurance Program is just as necessary today as it was 40 years ago.

Here are some considerations:

  •  There is not a private market that would be willing to provide this coverage.    Why you ask?  Well, simply put- people that are the most at risk to flood are the only consumers who purchase flood insurance.  What that means to us in the Texas Gulf Coast is that there is no large group paying for the losses of a few.

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Shopping for the Best Home Insurance Rates in Clear Lake Texas

Clearlake Texas Home Owners Insurance Agency“Wish I would have thought of shopping for home insurance in Clear Lake Texas sooner.” 

 

This is a repeated theme in the home buyer’s thoughts.   As people discover what a great community Clear Lake is to raise a family and want to move here, understanding your insurance risk is an important factor.  We are a coastal community.  Yes, we have the typical risk factors of fire and theft but windstorm and hail are high on the list of probability.   Thankfully there are several methods to manage the risk if you shop early and work with a local professional who understands the area.

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Flood Insurance Tips for League City Home Owners – Lessons Learned after Hurricane Ike

Get flood insurance - and other Hurricane Ike lessons learnedHome owners and flood insurance tips for folks in League City and the Gulf Coast, I learned after experiencing Hurricane Ike claims may help future Home Owners navigate the claims process faster.  Being a Licensed Insurance Agent in Texas for years does not mean that a person has or ever will experience a wave of water 12 feet high devastating the homes of our community.  We were blessed that each client of mine with a flooded home had flood insurance coverage. Even if you are a flood policy expert, the claims processing is a journey that can only be traveled.

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