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Insure Your Valuables

Are you wondering  how to protect and insure your valuables? 

Your homeowners insurance generally covers the contents of your home. However, there are specified limits on certain items such as jewelry, paintings, antiques, collections, musical instruments and silverware. For broader protection of your most valuable items you may want to […]

Glossary of Homeowners Insurance Terms

Below is a glossary of Homeowners Insurance Terms:

Actual cash value (ACV):
The value of your property, based on the current cost to replace it minus depreciation. Also see “replacement cost.”

Additional living expenses (ALE):
Reimburses the policyholder for the cost of temporary housing, food, and other essential living expenses, if the home is damaged […]

Questions to ask a Homeowners Insurance Agent

Ask what type of homeowners insurance policy they are selling. Is it the HO-B, HO-A, or another policy?

If it is an HO-A, ask if any coverage has been added to the base HO-A policy. Verify what they tell you with an independent source (such as the OPIC policy comparison chart […]

Glossary of Auto Insurance Terms

A general understanding of basic auto insurance terms will help you understand what you are and aren’t covered for in your policy. 

The following auto insurance terms are offered to give you a basic explanation of the terms you may hear or read when shopping for auto insurance. Feel free to give us a call at 817-380-452 […]

Do you need an SR-22 in Texas?

What is the Form SR-22 Insurance Certificate?

Financial Responsibility for Crash, Conviction or Judgment

According to the Safety Responsibility or Evidence of Financial Responsibility law, persons whose driving privilege has been suspended or revoked are required to file and maintain a Form SR-22 with the Department. Form SR-22 insurance is mandatory in the State […]

What is Buyback Coverage?

Buyback coverage is available by endorsement, buybacks return coverage for certain perils that are excluded by the base policy. Ask your insurance agent how much the buyback will increase your premium. If you have a homeowners policy other than HO-B and […]

Are you getting the best insurance rate?

When getting a quote for insurance, ask the agent if this is the best insurance rate offered to any applicant by any company the agent represents. If you are not getting the best rate, ask why not. Ask when and how much the company’s last rate increase was. Agents do not […]

What is your insurance company’s policies?

When shopping for homeowners insurance be sure to ask about the company’s policies.

An insurance policy is a contract between you and your insurance company.

Homeowners insurance pays to repair or replace your home or personal property if it is damaged or destroyed because of something — such as a […]