Car Insurance 101: What You Need To Know

car insurance policy basicsCar Insurance – Easy Peasy, Right?

Sifting through all of the insurance jargon alone, trying to make sense of it all, often feels like you need a Master’s Degree in the field just to understand it.  We completely understand the frustration and confusion but are here to help. So, here is a breakdown of the information to help you understand the basics of car insurance policies. This will allow you to be more confident when purchasing the ever so important car insurance policy that best suits your needs, and to protect your assets should you have to file a claim. However, we are here as your personal resource, so if something doesn’t make sense, please contact us with questions on any personal insurance.

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Insure your College Student’s Belongings

Rental insurance for your college student in rentals

College Students in Apartments Should be Insured

As our children go back to college we are as excited as we are anxious. To see our “little” ones leave the nest and to see them truly start pursuing their goals is an accomplishment as a parent. To know that our children are no longer safe in our homes is sometimes a scary thought.

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Quote Before You Offer – Home Insurance

Inquire on insurance before you put in an offerHome ownership. The epitome of the American Dream

Indeed there is significant joy and freedom in owning the place you call home, but with great freedom comes great responsibility. I see people who are so enraptured in the excitement of coming close to that dream purchase that they often let important details fall to the wayside. Keep the joy in your journey by discussing these things with your insurance agent first.

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Why You Should Know Your Insurance Agent

21Version1SmallCroppedIn the world of online quotes, impersonal companies, and insurance policies, it’s easy to be just another number. To be lost in the crowd by an efficient system, yet not a soul knows your name or your needs.  This is what most people experience when they fall for the convenient online gimmicks and mind games.   You sign up for an insurance policy that seems to look all right, but when it comes down to it you don’t know what you actually just bought or what you are covered for.  The fancy insurance mumbo-jumbo sure looks nice and professional, but it gets you nowhere when the time comes that you have to make a claim.  By building a relationship with a personal insurance agent, you can bypass all of the unneeded policies and focus on what you need in a way that you will actually understand.  All kinds of insurance (home insurance, flood insurance, renters insurance, auto insurance, and windstorm insurance) can be purchased through your trusted insurance agent.

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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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