Safeguard Your Home

Protect your home & valuablesIt’s Crime Prevention Month and Paula Smith Insurance wants to make sure that homeowners are equipped with what they need to prevent potential home theft.

So here are 5 ways in which you can help to safeguard your home and valuables from being a victim in home burglary:

 

  1. Secure Openings

For the small percentage of the population who is actually interested in breaking into people’s home, you need to be aware of your home’s weakest areas.  Your typical weakest areas would be any type of openings such as doors and windows.

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4 Tips for Getting Prepared for Hurricane Season

man with umbrella in a stormJune 1st marks the official start of Hurricane Season.  Though we hope that there aren’t going to be any nasty storms this year, it is best to always be prepared.  We have previously posted about a very practical list of things to purchase to make sure you are prepared for a tropical storm; be sure to check that one out.  This articles will focus on the bigger picture of how to be prepared for a hurricane.

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The Importance of Annually Reviewing Your Insurance Coverage

Get a free home or car insurance review to protect your assetsAs an owner of a vehicle or a home, insurance is often looked at on the front end of the purchase and then just mindlessly renewed month after month or year after year as the bill comes in, or the policy renews. Most people don’t enjoy insurance shopping and digging into the details of insurance policies.  Just knowing the basics of what is covered is enough for many people to sign on the dotted line and pay their monthly insurance payment.  When it comes to reviewing your insurance policies, it is important to do so annually with someone you trust and here are some reasons why.

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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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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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