Texas “Winter” Precautions to Review for your Home

Take precautions during winter with heaters and fireplacesAs the “colder” Texas months approach (and I use that term loosely) it’s important that we stay warm. The blazing hot summer has passed, so our air conditioning units now have a much needed reprieve from the overtime they have had to work and we begin to enjoy our cooling weather, pumpkin spices and changing leaves, or rather falling leaves since there isn’t much color in this area.  However, seeing that winter is the leading time of year for house fires, let’s tend to a few small details before we kick back and enjoy the changing weather.

Fireplaces add a mystique and ambience to a room that is hard to compete with. I personally enjoy mine on a regular basis during the colder months of our Texas year. There are 3 golden rules for safely using your fireplace during the winter months.

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Changes to Your Car Insurance when Kids are Off to College

insurance review when kids go back to collegeNow that the kids are off to college we’ve traded in our SUVs for sportsters. We’ve finally been on that romantic get-away to Aspen or we begin to celebrate the empty nest. Let’s stop for a second and think about something even more exciting; car insurance!

Assuming your child hasn’t permanently moved into a dorm, they are still legally considered members of your household and so we don’t have to remove them from your auto policy. However; if they are on campus without their car you can make some changes to your policy that will give you a special rating. If they are on campus with their car then we have to rate the car in that zip code since that is the area they will be using their automobile in.

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Renters Insurance for College Students

Get rental insurance to protect your college studentWell, it’s that exciting time of year again when the kids go back to college. When our little birds leave their nests that have been fashioned with all the finest parental comforts, and off they go to their dorm rooms and unwashed clothing and cafeteria foods. While our children are relatively safe on college campuses, there are some things still that we as parents should be concerned about.

Between 2005 and 2007 a third of all crimes committed on college campuses were robberies according to the Department of Education. This number accounts for over 15,000 of all reported criminal activities. On top of that the things that a criminal would look for in a student’s dorm room are things your son or daughter would need replaced immediately. Items such as smart phones, tablets and laptop computers are easily taken but not always so easily replaced, yet urgently needed.

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Hurricane & Storm Prep Shopping

hurricane and storm preparationIn League City we pride ourselves on knowing how to prepare for storms. For all of us that remember Hurricane Ike, we remember being without power and roads being blocked. Those of us who were effected worse may remember our homes and cars being flooded. What the large majority of us don’t remember is losing loved ones.

Hurricane Ike was roughly the same size as Katrina and caused nearly as much financial damage. What made it the most different was that it didn’t damage our loved ones. That’s because we were prepared at the City and State level. Still I wonder how many of us were prepared in our homes. When the power went out and the wind started howling and the rain started pouring, could we have prepared better?For most of us the answer is ‘yes’.

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