Learn the Facts & Myths about Flood Insurance

Learn the facts behind the myths of flood insuranceAs with anything else, starting from the right information on flood insurance is going to be especially helpful.  Did you know that a lot of people are actually going through life with myths rather than facts?  This can lead to a lot of wrong information, so the goal today is to learn the myths — and then the facts in most cases — about flood insurance.  Some of them may surprise you!

Read more

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!

Read more

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.

Read more

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.

Read more

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.

Read more

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.

Read more

Be Sure You Are Prepared to Bug Out – Emergency Evacuation Packing

plan for emergencies when you have the time to planIt’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

Read more

What to Know About RV or Motorhome Insurance

protect your assets with rv or motorhome insurance in League CityInsurance….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 more

When Christmas Gift Giving Consider Your Insurance Coverage

Consider additional insurance with expensive gifts 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 more