Almost all of your personal property is insured under your homeowner's policy; however, most valuables have sublimit that leave might you severely underinsured. We are talking about; jewelry, guns, cameras, silverware, chins, sporting equipment, art, coin collections, wine, and other expensive items. The best way to protect your valuables is through a scheduled articles floater.
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A scheduled articles floater is either a separate policy or a rider added to your homeowner's policy, depending on your carrier. A scheduled articles floater itemizes valuable items on your homeowner's policy and extends the policy's coverage to the items.
Why You Need The Coverage?
Typically, your homeowner's policy will cover your valuable items anywhere from $500 to $2500 and may include a deductible without any schedule; depending on the insurer. With a scheduled articles floater you can obtain coverage up to the replacement value of the item. Insurers will ask for a bill of sale or appraisal to verify the replacement value.

The primary reason why you should choose to purchase a scheduled articles floater is that it offers additional coverage not provided in your "normal" coverage. Accidental loss or damage is a coverage included under the personal articles floater. A missing stone in an engagement dropped down the drain or lost at the beach, would be typically be covered under a personal articles floater.

Strive Insurance Group, Inc. is a full-service independent insurance agency that has been serving the insurance needs of the Dallas area since 1984 (formerly Gordon Lund Insurance). Don't worry, nothing has changed, but our name. In addition to having a presence in the Dallas and North Texas area, we have also expanded to Austin and Central Texas with agent representation and the same professional service.

We represent, and have established a strategic alliance, with only the highest quality insurance carriers. In doing so, we can provide you with the service and protection to meet your dynamic needs. As your needs change, we can review and collaborate to decide which insurance company or companies are best suited to your situation.
Give us a call so we can provide you with options.
 

Make Halloween Safe for Everyone
In the next few days, we will be watching children scramble from house to house in search of the elusive Halloween treat.  However, keeping our kids safe as they are out Halloween night is always a concern.  A little pre-planning can prevent unfortunate accidents that could turn out to be tragic.  Remember, your homeowner’s insurance will cover you in most cases should someone trip and fall on your premises.
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Here are some pointers for ensuring your house is a safe place for trick-or-treaters on Oct. 31.

• Provide healthier treats for trick-or-treaters such as low-calorie treats and drinks. For your guests, offer a variety of fruits and vegetables.
• Be sure walking areas and stairs are well-lit and free of obstacles that could cause someone to fall.
• Keep candle-lit jack o'lanterns and luminaries away from doorsteps, walkways, landings, and curtains. Place them on sturdy tables, keep them out of the reach of pets and small children, and never leave them unattended.
• Remind drivers to watch out for trick-or-treaters and to drive safely.

 
Safety tips for kids

• Never, ever, go into a house.
• Costumes should be short enough to prevent children from tripping and falling
• An adult or an older responsible child should always accompany young children. Even older children should go trick-or-treating with an adult, or with friends.  Never go out alone.
• Only go to homes with a porch light on.
• Plan costumes that are bright and reflective.
• Do not eat homemade food.
• Examine all candy.  If it has been opened, toss it out.
• Use a flashlight.

 
 Safety Tips for Motorists

• Watch for children walking on roadways, medians, and curbs.
• Enter and exit driveways and alleys carefully.
• Turn your lights on.
• At twilight and later in the evening, watch for children in dark clothing.

Sources: http://www.nsc.org/, https://www.aap.org, https://www.cdc.gov
Strive Insurance Group, Inc. is a full-service independent insurance agency that has been serving the insurance needs of the Dallas area since 1984 (formerly Gordon Lund Insurance). Don't worry, nothing has changed, but our name. In addition to having a presence in the Dallas and North Texas area, we have also expanded to Austin and Central Texas with agent representation and the same professional service.

Many people believe that they have little or no control over their homeowner’s insurance.  Often, people think that premiums are determined by some “secret formula.”  It is true that every company has rates for their homeowner’s premiums, but there are many factors that help make up your homeowner’s premiums.
Factors that help determine your Seattle homeowner’s premiums

• Location
• Age of home
• Age of roof
• The replacement cost
• Distance to fire station

Get the best possible homeowner’s premiums

• Install deadbolt locks.
• Increase your deductible.
• Some insurers offer occupational discounts for teachers, police, firefighters, government employees, etc.
• Install a central station security system.
• Your agent can help you evaluate the different policies and companies so you can make the choice this is right for you.
• Ask for other discounts offered by your insurer.
• Make sure your replacement cost is up to date.
• Do you have replacement cost or actual cash value (ACV) coverage?  We recommend replacement cost.
• Do you need loss of use coverage? Most homeowners and renters do.

 
Strive Insurance Group, Inc. is a full-service independent insurance agency that has been serving the insurance needs of the Dallas area since 1984 (formerly Gordon Lund Insurance). Don't worry, nothing has changed, but our name. In addition to having a presence in the Dallas and North Texas area, we have also expanded to Austin and Central Texas with agent representation and the same professional service.
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We represent, and have established a strategic alliance, with only the highest quality insurance carriers. In doing so, we can provide you with the service and protection to meet your dynamic needs. As your needs change, we can review and collaborate to decide which insurance company or companies are best suited to your situation.
 

Motorcycle Study
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Motorcycle riders often get an unjustified reputation as being reckless, risk takers, and that they generally disobey traffic laws. This perception is unfounded and there are many statistics that back up the fact that most motorcycle accidents are not the fault of the motorcycle rider, but that of another driver.

A recent study conducted by the University of Southern California (USC) found that approximately three-fourths of motorcycle accidents involved a collision with another vehicle. The study also found that the driver of the other vehicle violated the motorcyclist’s right-of-way, thus causing the accident. These findings confirm that motorcycle riders have unjustly received a bad reputation from the general public.  Motorcycles are inherently prone to accidents caused by other drivers because of their small size. Motorcycles easily fit into the blind spot of typical passenger automobiles. The truth is that most motorcycle riders are very good drivers and keep an eye out for motorists who do not see them.

Motorcycle Insurance
Construct the motorcycle insurance package that’s right for you with a variety of coverages including:

• Bodily Injury Liability
• Collision Coverage
• Comprehensive Coverage
• Medical Payments

 
With options ranging from basic liability insurance all the way up to full coverage with protection for additional custom parts and equipment, there is a policy for virtually every rider.
 
Strive Insurance Group, Inc. is a full-service independent insurance agency that has been serving the insurance needs of the Dallas area since 1984 (formerly Gordon Lund Insurance). Don't worry, nothing has changed, but our name. In addition to having a presence in the Dallas and North Texas area, we have also expanded to Austin and Central Texas with agent representation and the same professional service.
 
We represent, and have established a strategic alliance, with only the highest quality insurance carriers. In doing so, we can provide you with the service and protection to meet your dynamic needs. As your needs change, we can review and collaborate to decide which insurance company or companies are best suited to your situation.

A Texas Business Insurance Renewal
Your business insurance is an important part of your risk management program. It is important to have the right insurance coverage, competitive pricing and the right insurer. We have found at least five factors that are important to manage when renewing your business insurance program.

Business Insurance
A business insurance program can include commercial property, auto, commercial liability, employment liability, workers’ compensation, professional liability and excess liability.

Insurance Renewal Tips

• Provide complete information about your operation. Paint a picture that describes what you do and how well you do it. You have to sell the underwriter on what is different about your operation and how the insurance company needs to insure your risk, because you are above average.
• Use an independent agent. We are best equipped to provide you with the best combination of coverage, price and service.
• Combine your property, auto and liability with one insurer if possible. You will receive package discounts.
• Have a well-managed safety program.

Strive Insurance Group, Inc. is a full-service independent insurance agency that has been serving the insurance needs of the Dallas area since 1984 (formerly Gordon Lund Insurance). Don't worry, nothing has changed, but our name. In addition to having a presence in the Dallas and North Texas area, we have also expanded to Austin and Central Texas with agent representation and the same professional service.
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Putting a little effort into your business insurance renewal can reap rewards in the form of better coverage and lower premiums. As an Independent Insurance Agency we represent many insurance companies to fit your businesses dynamic needs.  Whether you're a new business or a small business, we can help. Being an Independent Agent means we are not only your agent, but we are your insurance broker as well.  We understand every business and industry is unique, so we will work with you to find the best business insurance coverage at the lowest rate. Contact us today for a free quote. 

Many think that operating a small business has little or no risk. The fact is, operating a small business has just about the same risks as any other business.  Employees can still sue you, you can cause injuries to your customers, and your building can burn just like a big business.  General liability risk is very real for small businesses and it is important to have a business insurance program that addresses these issues.

To protect a small business from potential lawsuits, liability insurance is necessary. Policies vary greatly, and they cover different classifications of risks for varying costs.
Commercial General Liability Insurance covers claims from accidents, injuries, or negligence when the business is at fault.  Small businesses may face a wide array of damage charges. Personal injuries, property damage, libel, and slander are just a few examples.

Product Liability Insurance covers legal fees for litigation involving a faulty product.  It also covers any personal or property damage charges caused by the defective product.
Employment Liability Insurance provides protection for an employer against claims made by employees, former employees, or potential employees.  It can cover discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations.

Professional Liability Insurance pays for damages caused by services.  It is also called errors and omissions coverage. This is for companies that market a service instead of a product. For example, professionals in medical clinics must have medical malpractice coverage.

Cyber Liability Insurance covers the risk posed by conducting business over the Internet, over other networks, or using electronic storage technology.  It covers third party losses from hackers, theft, and loss of information including sensitive client or individual personal information.

There are other types of insurance designed for specialty businesses. For example, there are special policies for companies involved only in internet sales.  The nature of the business determines what type of coverage is necessary.

Our insurance agency's reputation for representing the best insurance companies, providing excellent customer service and competitive pricing to our clients has been earned and proven for over 25 years.  We take great pride in finding you the best coverage and backing it up with prompt personal service.  We have been serving the Dallas/Richardson, TX area for over 25 years and  have recently expanded to the Austin, Cedar Park, and Round Rock area. ​
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We understand every business and industry is unique, so we will work with you to find the best business insurance coverage at the lowest rate. Contact us today for a free quote. 

​Human caused disasters and natural disasters occur in every state. California has earthquakes and wildfires, Texas has flooding and wildfires, the Northeast has winter storms and high winds, Florida has flooding and hurricanes, and the Midwest has flooding and tornados.
Insurance And Disasters
It is safe to say that most business and homeowner’s insurance policies do not cover the risks associated with disasters. The only exception would be damage caused by wildfires. Let’s look at how insurance might apply to other disasters.

1. Floods-- Only 13% of U.S. homeowners had flood-insurance policies last year according to the Insurance Information Institute, a trade group. Flood insurance must be purchased through the National Flood Insurance Program. We can help you if you need the coverage.
2. Earthquake-- While earthquakes occur mainly in certain areas, there are registered earthquakes in every state, every year. Earthquake insurance also must be added or purchased under a separate policy.
3. Tornadoes-- Damage from tornadoes typically is covered, since it usually is considered wind damage.
4. Mudslides-- A standard home insurance policy does not protect your home against damage caused by a mudslide. Mudslides are usually defined as ground movement. Heavy rains that cause a mudflow would typically be covered.
5. Heavy Snow and Winter Storms-- Winter storms and snow damage is covered under a typical homeowner’s policy. If flooding occurs, then the flood damage would be covered.
6. Hail-- Most homeowner’s insurance policies provide coverage for losses resulting from hail.
7. Wildfires-- It can be safe to say that all homeowner’s insurance covers loss resulting from a fire. Wildfires are considered a fire and would be covered.

Coverage disclaimer--the information provided here is for general purposes only. It is not our intent to change or modify insurance coverage. Each insurance policy is different and your individual coverage will be determined by the terms of your insurance policy.

Strive Insurance Group, Inc. is a full-service independent insurance agency that has been serving the insurance needs of the Dallas area since 1984 (formerly Gordon Lund Insurance). Don't worry, nothing has changed, but our name. In addition to having a presence in the Dallas and North Texas area, we have also expanded to Austin and Central Texas with agent representation and the same professional service.

We represent, and have established a strategic alliance, with only the highest quality insurance carriers. In doing so, we can provide you with the service and protection to meet your dynamic needs. As your needs change, we can review and collaborate to decide which insurance company or companies are best suited to your situation.

​A Personal Insurance Update
According to the Federal Bureau of Investigation (FBI) over 430,000 burglaries take place during the summer months. A burglary takes place about every 30 seconds in the United States. That adds up to over 200 per hour, and over 4,700 every day.
It's important you find an insurance agent that helps you understand your insurance quote and policy.  We understand your home is probably your biggest investment, so when it comes to insurance we'll make sure your home is covered in case a loss occurs.  Homeowners insurance not only protects your home, but covers your personal property, other structures, loss of use, and personal liability.  We can also add valued jewelry to your insurance policy.  
Criminals watch your home and know when your home is vacant or when you are on vacation.  Here are some things you can to do help protect your property while away:

• Stop the paper and garbage.
• Keep valuables in a locked safe.
• Make sure all electrical appliances are turned off.
• Lock up all guns.
• Tell neighbors about your trip. Have them watch for deliveries.
• Do not take all your credit cards on vacation, only take the ones you may need.
• Use automatic lights to give the appearance of someone being at home.
• Pay all your bills so that key utilities don’t get turned off.
• Inform your credit card companies where you plan on traveling.  This information will alert them to any fraud.
• Mow the lawn before you go to make it look like you are at home.
• Give your itinerary to a family member.
• Do not post vacation pictures on social media sites until your return home.
• Have us complete a free home insurance review before you go.

Strive Insurance Group, Inc. is a full-service independent insurance agency that has been serving the insurance needs of the Dallas area since 1984 (formerly Gordon Lund Insurance). Don't worry, nothing has changed, but our name. In addition to having a presence in the Dallas and North Texas area, we have also expanded to Austin and Central Texas with agent representation and the same professional service.

We represent, and have established a strategic alliance, with only the highest quality insurance carriers. In doing so, we can provide you with the service and protection to meet your dynamic needs. As your needs change, we can review and collaborate to decide which insurance company or companies are best suited to your situation.

A Texas Personal Insurance Update
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Personal umbrella Insurance provides extra protection, or limits, above the liability insurance you currently have.  Just as an umbrella protects you from heavy rain, an Umbrella Insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella Insurance can provide limits above your personal auto and home policies.

The cost of a personal umbrella can be as low as $175 per year for $1,000,000 worth of coverage. If you own a boat, jet sky, snowmobile, or any other kind of recreational toy, you should consider a personal umbrella policy.  If you own your your home or have a 401 K plan, don’t jeopardize your future by having a liability claim that could cost you everything. 

Umbrella insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of homeowner's, auto, and boat insurance policies. It can also provide coverage for claims that may be excluded by the primary policies.

Strive Insurance Group, Inc. is a full-service independent insurance agency that has been serving the insurance needs of the Dallas area since 1984 (formerly Gordon Lund Insurance). Don't worry, nothing has changed, but our name. In addition to having a presence in the Dallas and North Texas area, we have also expanded to Austin and Central Texas with agent representation and the same professional service.

We represent, and have established a strategic alliance, with only the highest quality insurance carriers. In doing so, we can provide you with the service and protection to meet your dynamic needs. As your needs change, we can review and collaborate to decide which insurance company or companies are best suited to your situation.

Whether it’s Auto, Home, Motorcycle, Boat, Business or Life Insurance, we are your consultant working with you as you determine your needs.

Are you concerned about the future? Is your risk management program designed and prepared for changes in pricing, economic downturns, healthcare, changes in employment laws and the upcoming political elections? A broker or agent who cares about your business will be on the forefront of change. Part of providing outstanding customer service is helping clients understand how current and future trends may affect their risk program.

Every so often we think it is a good idea to talk about what may be happening regarding insurance and risk management. We review many different insurance publications, insurance company bulletins and other professional’s opinions, to analyze these trends. This allows customers to make educated and informed decisions about their individual program.

What Is Going On That May Impact Your Risk Program

1. Increased reliance on technology will lead to better run insurers and stable premiums. The development of advanced loss control analytic tools will revitalize insurers focus on claim reduction, and potentially lead to increased investments in loss control. Insurers are using business intelligence to leverage “big data” to help them estimate claims, assets, credit and market data, and gain deeper insights across networks of producers, policy holders and operations.
2. Mobile applications are one of the fastest growing areas of insurance. Businesses are able to manage risk programs through of technology.
3. Cyber liability will continue to be a major area of concern for all businesses. The government will continue to legally require business to protect customer’s information. Those businesses that don’t will be subject to increase fines.
4. Most insurance companies are moving toward using data to develop commercial insurance premiums. This means your business will need to rely more on your agent. Your agent will be able to help you navigate through the complex maze of insurance program design, marketing and placement.

We are prepared to help you manage all your business risks.
As an Independent Insurance Agency we represent many insurance companies to fit your businesses dynamic needs.  Whether you're a new business or a small business, we can help. Being an Independent Agent means we are not only your agent, but we are your insurance broker as well.  We understand every business and industry is unique, so we will work with you to find the best business insurance coverage at the lowest rate. Contact us today for a free quote.