Ban on Texting and Driving in Texas: What it Means and How it Affects You On June 6, Texas Governor Abbott announced that House Bill 62 will be law beginning in September. Texting while driving can be given a $25-99 fine for first-time offenders, and repeat offenders can be penalized $100-200 for repeat offenders. What Read more about Texting and Driving in Texas Law: Illegal Starting September 1st, 2017[…]
One of the things that can make insurance difficult to understand is all the different limits on any given policy. For instance, the typical homeowners policy has five basic coverage categories. Most people only pay attention to two of the five: the dwelling amount and the personal property amount. I totally get it. The reason Read more about What Other Coverage Options Should You Consider in Your Homeowners Policy?[…]
Universal fixed life policies are probably the most misunderstood policies in life insurance, maybe in all of insurance period. The problem is two-fold. First, they are a kind of hybrid product and secondly, a lot of times they’re not explained very well during the presentation process which leaves people confused about how they really Read more about What is a Fixed Universal Life Policy?[…]
This is a question I get all the time. The common misperception by many is they don’t think they need an umbrella because they don’t think they are wealthy enough to need one. That’s because they don’t understand what assets are really at risk. Most people look at their savings accounts and their checking Read more about When Should I Buy an Umbrella Policy?[…]
I get it. No one likes to pay deductibles. Heck, I’m an insurance agent, and even I don’t like to pay deductibles. But deductibles are part of the way insurance works. They have been around for ages, and they’re not going anywhere anytime soon. So the best thing you can do is to educate Read more about How Do Deductibles Work On My Home Owner’s Policy?[…]
Market Value The first home value that everyone thinks about is market value. This is a ballpark estimate of how much your house is worth on the real estate market. Everyone wants this value to be as high as possible. Am I right? Even if you’re not going to sell to see your Read more about How Much Dwelling Coverage Do I Need on My Home?[…]