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Choosing an Insurance Company!

Why is this so important? Insurance is insurance, right? You want the best rate, got it? Remember what our parents always told us growing up as kids? YOU GET WHAT YOU PAY FOR!!!! There are many insurance carriers to choose from, however, in our area, it has become somewhat limited ...

Should I Purchase a Flood Policy?

I get this question all the time, and my answer always the same. YES! For the cost of the policy, it is well worth the coverage! But, many home owners are still confused. Well, a Flood Policy is the only policy that covers a ‘flood event’! And what is a ...

Admitted vs. Non-admitted Insurance Carriers!

Basically, an admitted insurance company has been approved by a state’s insurance department, whereas, a non-admitted carrier is not backed by the State of Texas. The following is from Insureon.com: An admitted insurance company is backed by the State, which means: The insurance company must comply with the ...

Importance of Auto Liability Limits!

In the State of Texas, your auto limits, typically listed as 250/500, 500/500, or essentailly listed in the same format, are probably the most important coverage on your auto policy! The first number indicates bodily injury per person, and the second number indicates bodily injury per accident. So, using the ...