annual review | Paula Smith Auto, Home, Life Insurance

Posts Tagged ‘annual review’

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 »

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

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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 the rest of this entry »

How to Save Money on Your Car Insurance

ways to save money on your car insurance in League CityAuto insurance is one of those things that seems annoying until you have to use it.  Sure, the monthly premium may not feel like a must-have or very “premium” but it is an essential part of owning and operating a car.  And well, auto insurance is required in Texas.  Luckily, you can look at cutting costs of your auto insurance policy.  You just have to focus on the right details when it comes to putting together the policy.  You’ll find some great tips and suggestions below that should help you get the most convenient rates possible. Read the rest of this entry »

Your Boat, Insurance & What You Need to Know

Get boat insurance to cover your Galveston toys this summerWith summer in full swing and everyone hitting the waves, understanding just how your boat works with your different insurance policies is probably a great detail to keep in mind.  After all, insurance is one of those things that you never think to educate yourself on until it’s too late.  Let’s break that trend right here and now by simply diving in — get it? — and learning the basics about boat insurance.

There is a specific kind of insurance for boats, which is boat insurance.  However, boats can also be partially insured under homeowner’s insurance and even auto insurance as well. Read the rest of this entry »

Annual Maintenance for Your Home

Review your home insurance policiesTo make the most out of your home, you should know how to properly take care of it.  After all, the best cared-for home is going to offer its best care in return, right?  To help you move in the right direction, here are some top ways to help you make sure that you keep up on your annual home maintenance in easy but productive ways that really will make a difference short- and long-term. Read the rest of this entry »

Checklist And Review Of Your Insurance Coverage

Review your life and your insurance every yearAs the new year comes into its first few months, you need to start looking at the parts of your life that need an update in terms of attention.  On of the topics that often gets overlooked in all of the fuss of starting new resolutions and making your life better, is insurance.  There are certain things that you need to update with your insurance, so taking a check at your coverage at the start of the year is important for helping you to understand what you’re covered for, and what needs attention. Read the rest of this entry »

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. Read the rest of this entry »

Flood Insurance Tips for League City Home Owners – Lessons Learned after Hurricane Ike

Get flood insurance - and other Hurricane Ike lessons learnedHome owners and flood insurance tips for folks in League City and the Gulf Coast, I learned after experiencing Hurricane Ike claims may help future Home Owners navigate the claims process faster.  Being a Licensed Insurance Agent in Texas for years does not mean that a person has or ever will experience a wave of water 12 feet high devastating the homes of our community.  We were blessed that each client of mine with a flooded home had flood insurance coverage. Even if you are a flood policy expert, the claims processing is a journey that can only be traveled. Read the rest of this entry »

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