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.

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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.

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Business Insurance Basics for Your Texas Business

League City business insurance needsBeing in business means making sure that you’ve got the proper insurance in place. That being said, many business owners who don’t always know what they should be looking for in coverage.  That’s why we’ve put together a list of business insurance basics so that you can take a look at what you absolutely should have.

Minimum business insurance options

There are a few protections that you should have in place at minimum.  These are as follows.

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Travel Safely This Holiday, but Don’t Make Your Home a Target

Home safety and home insurance during holidaysOne of the best things about the Holidays is travelling with loved ones, whether you’re going on a short trip, or a long one.  One of the biggest vulnerabilities when travelling over the Holidays or any time for that matter is the fact that you are leaving your home open to robbers.  The beloved Home Alone depicts this perfectly, after all.  Make sure that you keep your home safe from those who want to make a profit from your belongings by taking a look at these tips and tricks.

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Not Your Normal Spring Cleaning Checklist

Be sure you have a home inventory in case something happens to your homeEach season there are home maintenance and overhauling that ought to be done to keep a home clean and everything running but also so that you will be less likely endangered in the long haul. Numerous homeowners skirt these fundamental home maintenance necessities as a result of occupied calendars or in some cases since they are uncertain of what to do.

Basically keeping up on these simple undertakings can ensure that your home will work better in the long run. Seasonal home maintenance will likewise guarantee that you have less update or significant costly repairs than homeowners who don’t keep up on little season maintenance. These little maintenance things can likewise shield your home from potential hazards such as fires, flooding, or different harms that can be caused by negligence.

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The New Year is a Great Time to Reassess

Annual review of your insurance policiesIt is the New Year, now it’s time to get down to the details of planning out the next twelve months. The start of a new year is a great time to review all of your insurance policies and prepared for whatever life may throw at you over the next 12 months.

When you carry out a comprehensive review of all your insurance policies, you can make sure you have appropriate coverage for any changes that have taken place during the past year. It is good to ensure that all your details are up to date so you don’t find yourself paying a huge excess you didn’t expect when it comes to making a claim.

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