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Greetings!
Umbrella Liability Insurance.... Who needs it??????
Happy Holidays
In our increasingly litigous society, it is not only the wealthy that are opting to have personal umbrella coverage to protect their current assets and future earnings. According to the Insurance Information Institute (III), you can buy a $1 million umbrella policy for about $150 to $300 per year. Let us help you understand your options.
Wishing everyone a happy holiday season
281.354.4500 |
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Holiday Safety Tips
During the winter holiday season, home fires dramatically increase, claiming more than 500 lives, causing more than 2,200 injuries, and costing $554 million in property damage. Many of these fires are caused by home heating sources, unattended cooking, and candles.
- Select a fresh tree and keep it watered
- Inspect lights each year for wear
- Do not overload electrical outlets
- Use only Non-flammable decorations
- Never put wrapping paper in the fireplace
- Make sure arificial trees are flame retardant
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You get sued. You settle with the claimant for $1 million. You pay a $1,000 deductible for the basic policy involved (auto or homeowner's). That policy pays $299,000. Your umbrella policy kicks in because the $300,000 deductible has been met. It pays $700,000. You pay nothing.
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Premium $avings
 Save $$$$
Learn how you can save money on your premiums by:
- Increase your liability limits now to save money in the future
- Adjust your coverage to assume more risk
- Keep your credit score high. Surprisingly, even if you have several traffic tickets and a good credit score, you may pay less for auto insurance than someone with a PERFECT driving record and a bad credit score.
For more ways on how you can save, contact us today.
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Connect With Us On 
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Find Cheap Gas
In this economy, we are all looking for ways to save money, especially when it comes to our cars. Go to our website for an interactive way to FIND CHEAP GAS in your area.
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Prodigy Athlete
High School sports are in full swing and as a proud supporter of your community, we would like to give special recognition to a deserving athlete. Nominate your favorite athlete today.
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Did You Know?
Homeowners insurance needs to be reviewed by you and your agent annually
- People purchase what's required by their lender or offered by the insuring agent and stick with the same coverage for years, not adjusting values that appreciate or depreciate.
20-25% of ALL flood claims happen to homes OUTSIDE of designated or flood hazard areas.
- According to FEMA, everyone should have flood insurance. Most homeowners insurance policies do NOT cover damage caused by rising water.
Umbrella insurance protects you if you are sued.
- If the liability limits are exhausted on your home, auto or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The average cost is just pennies a day.
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Insurance Terms
Familiarize yourself with insurance terms and understand your Home and Auto insurance coverage. Umbrella Policy- Coverage for losses above the limit of an underlying policy...... |
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What our customers are saying...
"I'm so glad we switched over to your company. I have never been happier or treated so well by an insurance agent until I got with you!!! Everything you do for me and my family cannot be matched by anyone!!! All of you go out of your way to be helpful and make you feel like a person, not just a number or another policy. Ya'll are NUMBER 1 in my book and I tell everyone I know!!!!"
-Ken D. Splendora, TX
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