Negotiating Your Car’s Value with the Insurer After an Accident

If you are involved in a car accident, you may have to file a claim to get compensation from an insurance company. However, this process is not as straightforward as it seems. Most insurers will want to pay the least amount possible to cover your damages since approved claims are a loss to them. After Read More

5 Tips to Save on Car Insurance for Young Drivers

Finally getting to drive or owning a car as a young person can be exciting. However, there is a downside to it, which is getting an affordable auto insurance policy. As a young driver, you are more likely to pay more for an auto insurance policy. According to statistics, younger drivers are more expensive to Read More

Workers’ Comp for Businesses with No Employees: Why Is It Needed

Workers’ comp policy is a state-regulated insurance system that covers the medical expenses and wages lost during period(s) of inactivity as a result of work-related injuries or sickness. Most states, including Texas, do not require you to have a workers’ comp policy for your small business. Choosing not to pay for workers’ compensation may seem Read More

Will My Homeowners Insurance Cover Damages Caused By Burst Pipes?

Consider this scenario. After a long and stressful day at work, you come home, only to find water running out from under your kitchen door. You quickly approach the door, run into the kitchen and find the source of this internal flood- a burst pipe under the kitchen sink. Repairing and replacing the burst pipes Read More

A Basic Guide to Business Interruption Coverage

Several disconcerting events like natural disasters, fires or cyber-attacks can lead to serious interruptions in businesses. A lot of resources are needed to repair a building, get a new location, or stock inventory. Therefore, discontinued business operations can result in an imbalance in cash flow, which may eventually shut down the business. This is a Read More

Tips for Lowering Your Homeowners Insurance Cost

Owning a house comes with significant expenses. However, the amount paid for home insurance will differ depending on factors such as your age and the location of your home. On average, homeowners insurance premium coverage costs $1200 per annum. Most mortgage companies require you to get a certain level of homeowners insurance. The first step Read More

Why Do You Need Flood Insurance in Southeast Texas?

Data from the Federal Emergency Management Agency (FEMA) shows that weather-related flooding is common in Texas. In 2017, Hurricane Harvey, a Category 5 storm, ravaged Southeast Texas, leading to billions in insured losses. This is a prime example of why flood insurance is so vital in Southeast Texas. Here’s some more information on this topic. Read More

All You Need to Know About Commercial Truck Insurance

Per the U.S. Department of Transportation (DOT), more than 500,000 truck-related road accidents happen on American highways and roads every year. Although truck drivers only cause about 25% of these accidents, truck insurance coverage is a crucial aspect of the trucking industry. Why Do You Need Commercial Truck Insurance? Driving a truck carrying a large Read More