October 30, 2019
AgencyPaying Your Home Insurance Premium Monthly vs. Annually
The cost of paying your homeowners insurance premium doesn’t cover only your policy; it also covers the insurance company’s expenses associated with processing payments. In order to reduce these costs, some insurers allow you to make biannual, quarterly or annual payments, as opposed to monthly payments. Though it may only cost a few extra dollars […]
July 5, 2019
AgencyThe Added Value and Liability of Aging in Place
Getting older often merits a few special considerations for anyone. It doesn’t mean you need to become home-bound or isolated. However, you might need to take a few extra precautions to make your home safer to occupy. On one hand, you might install additional security mechanisms; on the other, you might need to make structural […]
April 24, 2019
AgencyLive in a Low-Lying Area, You Might Need Flood Insurance
El Paso isn’t close to the Atlantic Ocean. It doesn’t lie in a particularly flat area, either. However, just because you might not think the terrain is high-risk, there is still a flood threat in the area. So, if you plan to buy a home, you might find out you need flood insurance? Why is […]
December 15, 2017
AgencyHow Pet Ownership Affects Your Home Insurance Rates
When you are shopping for home insurance, there are many things you have to consider. What kind of coverage are you looking for? Deductibles? These are questions you expect an insurance agent to ask. They will also be asking one question you may not expect: do you have pets? According to the ASPCA, between 37 […]
November 14, 2017
AgencyDoes Home Insurance Cover AC and Furnace Repair?
Home insurance helps cover your financial obligations in situations where accidental or unavoidable damages occur. The policy aims to reduce the impact on your well-being when an accident or disaster occurs. Home air conditioners and furnaces rarely fit in this qualification. It is important for homeowners to maintain these systems, though. Normal Wear and Tear […]
June 16, 2017
AgencyHome Insurance and Appliances: What’s Covered?
The refrigerator stops working. Your home’s heating and cooling system needs a significant repair. These are large appliances within any home. When they break down, it can be worrisome to consider the cost. Home insurance provides coverage for many risk factors. Coverage for appliances differs from one situation to the next. Your policy will outline […]
January 24, 2017
AgencyHow to Be a Responsible Dog Owner
If you own a dog, you have an increased liability risk. According to DogsBite.com, about 1,000 people daily require medical care as a result of dog bite injuries in the United States. Dogs, as animals, are likely to react with a bite when they feel at risk or protective. Even the most careful pet owner should have adequate home […]
October 18, 2016
AgencyMotion Detection Lights and Your Homeowners Insurance
Most people in law enforcement will tell you that light and sound are great ways to frustrate a possible burglar. But if you are like some of us, you don’t want bright lights on all the time outside your home. You like to look outside your window or patio doors and see the stars and […]
August 24, 2016
AgencyWhat is a Home Rebuild Cost Analysis?
When it comes time to consider which type of home insurance to buy or how much coverage you need, think twice about just renewing the coverage you currently have. In many situations, your coverage can become ineffective or simply not enough to meet your needs if a significant accident occurs. In other words, if you […]
March 21, 2016
AgencyDoes Your Older Home Need an Electrical Upgrade?
Is upgrading your home’s electrical system on your to-do list? Many of today’s homeowners are considering such upgrades because they want to ensure the home is as energy efficient as possible. Some are converting to solar power or even geothermal power. For others though, it’s important to upgrade older electrical systems from the ground up […]