Archive for the ‘home insurance’ Category
Whether 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 »
Your 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 »
Everyone’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 »
It’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 »
It’s that time of year again – Hurricane season and in that comes preparation. With emergency evacuation, there seems to be not enough time to get all of the required supplies together. If you want to stop the panicked dashing around the house trying to prepare everyone to evacuate, get ahead of it by putting together a bug out bag! The good news is that it isn’t as hard as it may sound.
The essentials to include in your bug out bag
Insurance….it’s one of those things that you know you need, and in some places required to have, but maybe you’re a little hazy on what details you should know about the different kinds of policies within a category. Why not check one area off your list by taking the time to familiarize yourself with Recreational Vehicles (RV) & motor home insurance? It’s not as overwhelming as you think! Read the rest of this entry »
Buying something special for an important someone in your life is one of the best things about the holidays. After all, they’re an important person in your life who deserves something equally as important as a gift. When you’ve got a plan together, take some time to think about any official changes you’ll want to consider as well, such as additional insurance options. Read the rest of this entry »
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 »
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 »
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 »