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Archive for the ‘personal insurance’ Category

Teen Drivers and Crash Risk Factors

be sure you set ground rules for your teen driverWhen your teen gets behind the wheel, it’s normal to feel a bit of worry coming on.  After all, they’re your child and you want them to always be safe.  Plus, you have good reason to worry — teen drivers have quite a few age-specific risk factors that make driving a little more dangerous for them.  If you’re looking to do whatever you can to help them out and protect their health and safety, here’s the deal on their crash risk factors. Read the rest of this entry »

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 the rest of this entry »

Going Back to College During a Pandemic

college students go back to college amidst a pandemicThe world is no longer the same as it was a year ago. However, life goes on and this includes students heading back to college. If you’re looking for some tips on how to make this transition as easy as possible, take a look at some of these tips to truly help make the transition as easy as possible. Read the rest of this entry »

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 the rest of this entry »

4 Tips to Save Money Amidst a Pandemic

saving money tips during the Coronavirus pandemicThere’s no question that the recent pandemic has made us all a little apprehensive about our finances. After all, most of us are living paycheck to paycheck or waiting on unemployment and/or government funding assistance.  This means that we don’t have much of an emergency fund that we can dip into when our income decreases or we stop being paid altogether. If you’re looking for some tips to help you save as much money as possible to make ends meet, here are some tips to help you out. Read the rest of this entry »

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. Read the rest of this entry »

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. Read the rest of this entry »

Risk Management Assessment & Managing Yours

Learn to manage your risk to protect your assetsInsurance is only one of four methods to manage risk. The others are retention, avoidance, transfer and reduction.

So what exactly are these 4 methods to manage your risk and what are they good for? Read the rest of this entry »

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