Who likes paying for insurance? But, we have to pay for things that we need. True, you pay money monthly or yearly, and you rarely get anything back in return. Only when tragedy strikes do you feel like it was all worth it. The rest of the time, it really does seem like a money pit.

Who needs health insurance? The fact is: health insurance makes healthcare more accessible and affordable. Yes, this includes preventive services like regular check-ups with your doctor and health screenings. (By the way, Open Enrollment for health insurance is Nov. 1st – Dec. 15th) For example, in 2019, only one-third of the U.S population’s uninsured citizens set up a preventive service visit with a doctor. In […]

Have you made any of these mistakes? An insurance policy is not exciting. There are hundreds of other more fun ways you could spend your money. But, insurance is an important part of your financial plan. It’s just way too risky to Not carry insurance. When buying insurance coverage, it’s easy to make a mistake. Mistakes could cause the loss of your assets. And, those […]

Keeping our “Social Distance”, while still Committed to Serving You!  It’s still business as usual, just not face-to-face, for now. Still ready to help you remotely during coronavirus (covid19) “season”. Call, Text, Online: (806) 798-7800 or [email protected] We are following social distance advice from health professionals because many of our clients and team members are caring for high-risk family members. We have invested in technology that allows […]

Imagine wading through your water-filled home or business finding many of your most cherished and vital possessions waterlogged and forever ruined. Unfortunately, each year many Texans don’t have to imagine this scenario and instead face it head on. Texas consistently has some of the highest fatality rates and property damage costs due to flooding. Let’s face it, next to fire or tornado/hurricane damage there are […]

An All Too Common Scenario Imagine the clouds turning black one day and a storm rolls in. Hail the size of softballs strikes your home or business, damaging the roof. This is unfortunately an all too common occurrence in Texas. Soon enough, a cadre of roofing repair representatives storm your neighborhood offering discounts marketed as “no deductible”, “zero deductible” and even “free roof repair”. If […]

Many people who don’t own commercial property would be surprised to learn that 60% of American commercial buildings are insured for terrorism. This means many ordinary building owners – not just high-profile targets – are purchasing coverage. In fact, while the country at large was shocked in 2015 by the 14 people killed in San Bernardino, the owner had the foresight to buy terrorism insurance. […]

When you’re buying a house to flip or completely do a gut job, you have different insurance concerns than a house you buy to live in long-term. Many investors forget about the insurance component of a deal when they’re in the heat of the moment and focused on the potential of the property. Whoa, slow down. When is the best time to call your insurer? […]

TV shows make flipping houses look fun and easy. Can you really make a lot of money doing this? Yes, it is possible. But only if you have the right skills, knowledge and timing. Choose the wrong fixer upper, and you could lose your entire investment.

Texas’ insurance market is the world’s 12th largest based on premium volume, and 400 insurance companies are headquartered in the Lone Star State, according to the Insurance Journal. These range from the very large, such as USAA, to specialty companies, like Tokio Marine, which started out in aviation covering antique warbirds, corporate jets, and even homemade private planes. Just about any kind of insurance coverage […]

Auto Insurance. You may think of it as a paper stuffed in your glove box that allows you to legally drive in the U.S. That hard copy, though, is actually the contract you made for an exchange of money for coverage. When you purchase car insurance, you are buying security. If damage occurs to your property, health, or others during a collision, theft or natural […]

Hopefully, the insurance papers cluttering up your desk are not the only copies. Staying organized and protecting your insurance information is a necessity. Many circumstances require insurance information to be easily accessible at a moment’s notice; natural disasters such as floods, fires, etc. can damage paperwork and affect your claim. Your insurance information is valuable, and it is always wise to have a plan to […]

Regardless of your feelings, the ACA that was passed in March of 2010 is here. In 2014, every American is required to have health insurance or pay a penalty to the IRS. The enrollment period for a January 1st, 2014 effective date starts October 1st, 2013 and runs until the middle of December.

Hail and tornadoes continue to make the news.  The April 3, 2012 tornadoes that hit the Dallas-Fort Worth area allowed us to view the mighty power that a EF1 or EF2 storm packs.  The pictures of swirling Schneider trailers being tossed about like toys is etched into the minds of many of us.  Just imagine what would have happened if the storm were an EF4 […]

Some dog breeds would become extinct if insurance company underwriters had their druthers.  (I love that word.)  Here’s why: