Paula Smith League City, Friendswood Insurance Agent Blog

Renters Insurance for College Students

Well, 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.

Hurricane & Storm Prep Shopping

by LCIAadmin

In 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’.

Get a Home Insurance Quote BEFORE the Offer

by LCIAadmin

Home Insurance?

Purchasing a Home? The cost of insurance can be a big factor in the affordability of buying a home and eliciting a positive experience. First thing we like to do with our clients is to get a homeowner’s insurance quote before they make an offer on a home.

This will provide a little more insight on the house. For example:

Perks of Knowing Your Insurance Agent

by LCIAadmin

Do you know those commercials that say they can give you an insurance quote in just ten minutes? As nice as it sounds to have this task of finding insurance over and done with as quickly as possible, this is not the most helpful way to get insurance when you actually have a claim. Most people do not find having to search for the right claim coverage they are looking for very enjoyable. Whether it is home, renters, flood, windstorm, or auto insurance, many people get lost in all of the details.

Though it may seem convenient to quickly enter some information online and get a quote, it often times is not the specific coverage you may need. It may be more or less than you actually need. By not taking the easy way out and actually using a real insurance agent, one that you can build a relationship with, you will be less likely to get a headache when you need to file a claim. This is really the whole point of having insurance in the first place—for all of the unexpected life events and having someone you know and trust to help take care of your situation.

Jewelry, Watches and Furs, Oh My!

by LCIAadmin

Coverage for Jewelry Watches and Furs is limited on the Texas Homeowners policy. Most standard policies only cover $500.00 for the Theft of these items.

If the entire house burns down, all your items are covered subject to the terms of the policy like contents limits. However, for Theft Only you should purchase additional coverage if you have lots of jewelry, expensive watches or even furs. You can extend or endorse your coverage to up to $5,000.00 for the theft of these items stolen from your home.

If you have one piece of jewelry you are particularly concerned about, you might want to look into a Jewelry Floater. A Jewelry Floater covers one specific piece of jewelry, for example, a wedding ring. The advantage of a floater is the coverage is All Risk of physical loss. So if you lose a stone, break a clasp or drop it down the sink, the policy will cover that item for the amount it is insured for.