Protect your home. Protect your investment. Owning a home in Texas comes with many rewards, but it also means facing risks that homeowners in other states may not experience. From hailstorms and hurricanes to plumbing leaks and foundation issues, unexpected damage can happen at any time. The good news? Many of the most common homeowners insurance claims are preventable with regular maintenance and a little preparation. Here are the ten most common home insurance claims
🌧️ Is Your Home Really Protected Against Flooding?🌧️ Here’s a surprising fact: Just a few inches of rain can create floodwater to cause thousands in damage. Yet many homeowners assume their homeowners insurance will cover flood damage—only to discover after a storm that it doesn’t. With unpredictable weather and heavier rainfall becoming more common, flood risk isn’t limited to homes near rivers or the coast. In fact, many flood insurance claims come from properties
When is the last time you reviewed your insurance program? For most of us, insurance considerations come into play once a year. Maybe we shop for a different solution, explore discounted rates or increase existing coverage to protect new assets. But outside of the basic maintenance, your insurance policies can begin to collect dust and possibly leave you under or over insured. As you finish summer and head into fall, consider a full-scale review of
Health Care Costs Health care costs are rising. But do you know what’s behind the increases? Do you know where your health insurance premium dollar goes? For each dollar you spend on health insurance premiums,about 90% – or 90¢ – pays for your care. The other 10% – or 10¢ – is used by the insurer, mostly to process claims, provide customer service and offer health and wellness programs. Below is a breakdown of your
Making Health Insurance Work for You! Planning ahead can help you save money when it comes to your health. Take full advantage of your health care plan with these helpful tips: Stay in the network. Most health plans, like HMOs and PPOs, use certain groups of doctors, hospitals and other health care professionals called provider networks. If you visit a doctor outside of your network, you may have to pay more for your care. In