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.
 

​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.

Many of us will be going to the ocean, rivers, lakes, or pools this summer to relax with friends and family.  Each year, over 1,200 children under the age of 14 drown, and another 17,000 are taken to the hospital because of water related accidents.  Whether you have a backyard pool or enjoy swimming in ponds, lakes, or oceans, the following summer safety tips for parents and kids should always be at the forefront of your mind.

• Adding locks and safety covers will create an extra barrier of protection around the pool or spa. 
• Know the water conditions before getting in. Many rivers have swift under currents that can be dangerous.
• Establish family swimming rules like never swim around drains, grates, or suction fittings.
• Never leave children unsupervised in, or around, the water. 
• Be sure every child wears a proper fitting life jacket when on a boat or near water.
• Have young children or inexperienced swimmers wear U.S. Coast Guard-approved life jackets around water, but do not rely on life jackets alone.
• Be sure that everyone knows how to swim. 
• Try to teach your children to swim as early as possible. 
• Develop a buddy system so no one is swimming alone. 
• Don't allow anyone who has been drinking alcohol to swim.
• Don't allow glass objects around the pool. 
• Learn CPR and have a first aid kit at a convenient spot.

• Enroll in Red Cross home pool safety, water safety, first aid and CPR/AED courses to learn how to prevent and respond to emergencies.
• Always check the depth of the water before swimming or diving. If swimming in the ocean, check the current and under-tow.

 
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.
Sources: CDC, coit.com., American Red Cross
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A Flood Insurance Update
​Winter will soon be over, and the arrival of spring rain can lead to major flooding.  In the past 5 years, all 50 states have experienced floods or flash floods.  Flood insurance cannot be purchased during a flood.  There is a 30 day waiting period once the application is processed. Therefore, it is a good idea to start thinking about flood insurance right now.

According to FloodSmart.gov, the official site of the National Flood Insurance Program, at least 25% of businesses that shut down after a flood never re-open. According to the same source, only a very small percentage of homeowners buy flood insurance.

Many business owners and homeowners are under the mistaken impression that their insurance policies cover them for damages arising from floods. While your personal insurance and/or business insurance policy may cover water damage, flood coverage is excluded.  Just like homeowner’s flood insurance, commercial flood coverage must be purchased separately in a dedicated policy.

Flood insurance policies cover physical damage to your property and possessions.  You can refer to the Summary of Coverage to help you better understand your policy and coverage.  (Read More)

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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How To Celebrate July Fourth Safely
Fireworks during the Fourth of July are as American as apple-pie, but did you know that two out of five fires reported on that day are started by fireworks, more than for any other cause? So you think it cannot happen to you? Here are a few facts:
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In 2018 over 9,800 people went to the emergency room as a result of fireworks related injuries. There were an estimated 15,700 reported fires started by fireworks. These fires resulted in an estimated eight reported deaths, and $32 million in direct property damage. This is why it is a good idea to have a free home insurance review and quote, call us today!
 
Fireworks Safety Tips
 

• Buy fireworks only from licensed vendors
• Never combine fireworks
• Obey all local laws
• Never have any portion of your body directly over a firework while lighting
• Follow directions
• Never relight a firework
• Don’t smoke or drink while lighting fireworks
• Soak used fireworks in water before placing in trash 
• Make sure there is parental supervision
• Never experiment with homemade fireworks
• Use fireworks outdoors, in a safe area away from dry grass and buildings
• Keep a fire extinguisher, bucket of water, wet towels and a garden hose nearby
• Light one firework at a time - then move back quickly!
• Never shoot fireworks from metal or glass containers
• Never carry fireworks in your pocket
• Never point or throw fireworks at people or animals
• Clean up all used fireworks including debris

 “Fireworks and celebrations go together, especially during the Fourth of July and year end celebrations. Remember, fireworks can be dangerous, causing serious burn and eye injuries. You can help us prevent fireworks-related injuries and deaths” Consumer Products Safety Commission.

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.
Enjoy the holiday; we live in a great country, happy birthday America!

We are moving into Hurricane season and we to remind you of how important it is to have the right kind of insurance and to be prepared.
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Hurricanes bring two big problems: water and wind. Depending on where you live, you may need to buy these separate policies in order to cover hurricane damage:

• Flood insurance: No homeowner’s insurance policy will cover floods, including water from a storm surge. To get coverage, you’ll need flood insurance.
• Windstorm insurance: Homeowners insurance policies in some hurricane-prone states won’t pay for windstorm damage. If you live in one of these states and want coverage, buy a separate windstorm insurance policy.

Here are some basic emergency preparedness suggestions to include in your planning process.

• Create a family communication plan for children and adults to have. Put copies in children's backpack and in your wallet or purse.
• Flood insurance is not covered under your homeowner’s policy. While hurricanes are generally covered, if a flood ensues later, it may not be covered. You will need a separate flood policy.
• Install hurricane shutters.
• Prune all trees around your home.
• Keep a mobile emergency kit in your car.
• Monitor radio and local TV stations for evacuation orders. Act without delay to avoid traffic.
• Assemble/replenish disaster supplies kit: FEMA recommends three days of food and water for each member of the household, including pets. You can assemble a kit yourself, or purchase a pre-assembled kit online or from many local stores.  Store items in your household designated safe location.
• Discuss with your family the safe locations for shelter in the places you are likely to spend time: home, school, work, place of worship, etc.
• Find out your vulnerability to flooding, wind, and storm surges, and whether you live in a mandatory evacuation zone. Visit the FloodSmart.gov website to see updated flood maps.