We are committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible. Most people don’t take time to review exposures, options, or their current economic condition before making their insurance purchase. We want to help you, so we prepared these insurance buying tips for 2020.
5/12/2020 Spring Home Safety TipsSpring Brings the Need for Safety
Now that the weather is changing, many of us are heading outside to have some fun or start the home improvement projects that we have been planning for all winter. However, before the outdoor fun begins, please remember to do it safely. Every year, more than 60,000 people are treated in emergency rooms for lawn-mower injuries. Stay Safe While Having Fun As you plan your spring activities, remember these safety tips:
There are a number of common mistakes some individuals and businesses make when it comes to purchasing insurance. Insurance is the product you buy in case the unexpected happens. Unfortunately, by the time you need it, it's too late to make sure you have the right type and amount of insurance coverage. Make sure you don't make the following mistakes while buying business insurance or personal insurance.
Having two agents is better because they keep each other competitive Having two agents duplicates effort and can create coverage gaps. For example, there are certain coverage’s that can be included under a liability policy and auto policy. One agent is better able to manage your entire insurance program. The lower the premium the better Premiums are determined by a combination of exposures and coverage. If you get a lower premium you may be missing needed coverage. For example, does the lower premium include replacement cost coverage on buildings and equipment? The internet is a great place to get good insurance deals Low-cost internet insurance usually allows you to select the coverage and limits you want. But in most cases, you end up with a limited and inadequate program. You find this out after you have an uninsured claim. Not having the right value for your personal property Most people undervalue their personal belongings. We recommend you complete a home inventory to make sure you have the correct value on all your property. Remember, the insurance covers what it costs to replace the item, not what you paid for it. Believing the TV commercial said it was covered All claims are subject to your individual policy terms and conditions. That is why an independent agent is important. We can provide information about what is covered and what is not. As an independent agent, we have relationships with many A-rated national and regional insurance companies; we provide a comprehensive array of insurance products for a variety of personal and commercial clients. Included in most homeowners, condo-owners, and renters insurance policies is coverage for the contents of your home. However, do you know how much coverage you would need if you had to replace everything in your house? Would you know what you had in each room of your home in the event of a claim? Would you be able to remember every item you have accumulated over the years if they were all gone? Recent survey results show 65 percent of homeowners have not made a list or inventory of their possessions.
Creating and updating an inventory of your personal possessions is one of the best ways to make the most of your homeowners or renters insurance, and it makes filing a claim easier and more efficient. If your home is damaged or totally lost due to a fire or other event, having a home inventory will help you recover all your personal property with the least amount of time and stress. Creating a personal home inventory helps in calculating how much your personal property is worth. Knowing this ensures that you have an accurate value to insure. If you have too little coverage, you would not have enough funds to replace lost property, and if you have too much coverage, you are paying higher premiums than you need to pay. How to Create a Home Inventory Creating a home inventory is actually simple these days thanks to technology. Here are a few tips.
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. As our country continues to manage through the COVID-19 crises, we thought it might be useful to take some time to remind you of the importance of your personal insurance during this time. The coronavirus pandemic won’t affect your auto or homeowner’s insurance too much, but there are a few coverages that could be impacted because of the temporary lifestyle change.
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. Many people are planning a home remodeling project for the spring or summer. These projects may include a new backyard, kitchen or addition for the expanding family. Whatever the project, you need to protect yourself from the financial risks and hazards associated with a home remodel project.
If you are planning on hiring a contractor or construction company to help you with your project, keep these tips in mind. Following these guidelines will help reduce your risk and increase your chances for a successful, and hopefully stress-free, project. 1. Before you hire a contractor ask for references. The Better Business Bureau is a good place to start. 2. Know what you want and have a specific list of products, including the brands. For example, if you want a furnace, be specific about the type and brand. There are many brands; some good and some not so good. 3. Always have a written contract with a competition date. 4. Go visit other homes on which the contractor has worked. 5. Some contractors may ask for100% of the payment upfront. Never do this. A small (10% to 15% upfront is normal) Bonus Tip: Make sure the contractor is insured. Ask for a certificate of insurance for general liability and workers compensation. Homeowner’s Insurance If you are increasing the value of your home as a result of the remodel, you will need to make adjustments in your homeowner’s insurance limits. Your homeowner’s insurance will not cover the contractor or his work. If the contractor causes damage to your home, you will want their insurance to provide restoration. Insurance coverage made easy. When it comes to buying your insurance, you have options. You can go to a captive insurance agent, an agent that represents one company, or you can go to an independent insurance agent that represents many companies. Strive Insurance Group, Inc. (formerly Gordon Lund Insurance Agency, Inc) is a full-service independent insurance agency representing many insurance companies. This means that we shop many different insurance companies to obtain the best rate and coverage for your insurance. We do this at no additional fee or service charge to you. Simply put, our goal is to find you the best coverage and rate for your auto, home, business, or life insurance. Whether you need a business insurance quote or an auto insurance quote, we can help. To obtain an insurance quote, click on the tab and enter your information into the form. If you have any questions along the way, please don't hesitate to contact one of our insurance agents. 12/11/2019 How To Prepare For Holiday Home SafetyThe Holidays are almost upon us, and if you have been to any department store, the sounds of Christmas are ringing out. According to the U.S. Fire Administration, over 400 homes are destroyed annually by causes related to Christmas tree fires. According to the U.S. Consumer Product Safety Commission hospital emergency rooms treat over 12,900 people each year for injuries such as falls, cuts and shocks related to holiday lights, decorations and Christmas trees. Before you put up the lights or cut down the tree, we wanted to provide you with a few safety reminders to keep you and your family safe this holiday season.
The Tree
Insurance coverage made easy. When it comes to buying your insurance, you have options. You can go to a captive insurance agent, an agent that represents one company, or you can go to an independent insurance agent that represents many companies. Strive Insurance Group, Inc. (formerly Gordon Lund Insurance Agency, Inc) is a full-service independent insurance agency representing many insurance companies. This means that we shop many different insurance companies to obtain the best rate and coverage for your insurance. We do this at no additional fee or service charge to you. Simply put, our goal is to find you the best coverage and rate for your auto, home, business, or life insurance. Whether you need a business insurance quote or an auto insurance quote, we can help. To obtain an insurance quote, click on the tab and enter your information into the form. If you have any questions along the way, please don't hesitate to contact one of our insurance agents. 12/5/2019 Should I Read My Insurance Policy?We know that reading an insurance policy can be tough. The insurance industry is working hard to make auto, home and business insurance policies easier to read. Most insurance policies are 40 to 60 pages, with lots of legal terms that are hard for even attorneys to understand.
But the fact remains, it is very important that you read and understand your insurance policy. To help make the task easier for you, we offer this guide. Insurance Policy Reading Tips Start With The “Declarations Page” • Check all information to make sure it is correct. • Review address, policy dates and names insured. • Review limits to make sure they are what you ordered. • Confirm premium information. For Auto Policies, Check The “Vehicle Information” • Is the correct vehicle identified? • Verify the VIN number. • Confirm the vehicle’s value. • Review the list of drivers if they are identified. The “Insuring Agreement” This is the section where most of the key coverages will be found. Take time to review the various coverage and coverage terms. “The Exclusions” It is very important to read this section as well. Typical examples of excluded perils under a homeowner’s policy are flood, earthquake, and wear and tear. A typical example of an excluded loss under an automobile policy is damage due to wear and tear. Business insurance exclusions can include employment liability, cyber liability, and criminal acts. “Definitions Section” Every policy should include a Definitions Section to provide an explanation of certain language. We are your trusted partner. Call us to help you better understand your policy. We can help explain what is in your policy and more importantly, help make sure that you are appropriately protected for the future. 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. Tis The Season… For Problems
As we approach the holiday season, we thought it might be good to provide you with a few insurance tips on how to protect yourself and your family during this season. The holiday season usually sees an increase in homeowners and other personal types of accidents and claims. Here are a few examples. Common Insurance Claims During The Holiday Season
Identity Theft Increases during November and December With more online shopping identity thieves target online shoppers. Criminals access public Wi-Fi systems to hack into your computer and smartphone. Today, some homeowner insurance policies will either include or offer as an add-on, some type if identity theft coverage but in most cases, the coverage is limited. A stand-alone identity theft policy that is more comprehensive will typically contain the following benefits:
A standard homeowner’s insurance policy can offer protection from many of the trips, spills, and holiday mishaps. If your home insurance is written properly it can offer insurance coverage for;
Renters or Condo Insurance Renters insurance can also provide coverage during the holidays.
Auto insurance can provide coverage for you and your passengers while driving during the holiday season. There is a variety of different auto coverage options to suit different people, family situations, financial statuses and more. While state law requires certain coverages and minimum limits, most drivers should carry much higher limits to protect themselves and family should an accident take place. The primary coverages included the following: Collision Coverage – Covers the costs of repairs or replacement of a vehicle in the event of an accident. Comprehensive Coverage – Pays for the costs and damages associated with events such as engine fires, hail damage, hitting a deer and other damages not caused by collision. Bodily Injury Coverage – Provides financial compensation for injuries or death due to an auto accident, within the policy’s coverage limits. Property Damage – Reimburses for damage to property, such as another vehicle, a fence, a building, and other types of features. Let us help you by providing a free, no obligation, auto insurance quote, including various coverage options to choose from. We’ll help you identify the right insurance policy, and the best insurance company, to financially protect your car, truck, and other passenger vehicles. Call or fill out our online insurance quote request today. 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. 11/20/2019 Criminals Are Holiday Shopping Too! Personal Insurance and Safety Update Halloween is over and that means we are in the middle of the holiday season. During the next 45 days, we will all be busy shopping, eating out, and traveling. Thieves know that the police are overloaded during the holiday season, and they take full advantage it. Burglars know that there are many expensive items in homes and cars during the holidays. Your home or renter’s insurance will provide coverage for theft or loss if you have the coverage. Now would be a good time to call us for a free personal insurance review. Whether you are holiday shopping at the mall, online, or a little of both, keeping yourself and your personal information safe is important. Here are a few holiday shopping safety tips: Holiday Shopping Safety
We work to ensure that your personal insurance provides the protection you deserve and need. We understand you may need different coverage like a personal umbrella, RV insurance, valuable articles coverage, earthquake, or flood coverage. Over the years, we have found that homeowners who adhere to the following strategies have a better chance of obtaining the best possible combination of coverage, price, and service. Our trusted insurance professionals are here to help you with every step of the insurance process and can design a personal or commercial insurance policy to fit your needs. One of the insurance professionals will work closely with you to ensure that you receive individualized attention you deserve. 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. |
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