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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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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Get a Home Insurance Quote BEFORE the Offer

home owners insuranceHome 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:

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Perks of Knowing Your Insurance Agent

insurance agent relationshipDo 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.  

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