A Flood Insurance Update
In a recent study by the Federal Government, over 45 million American homes are at risk from flooding waters. This does not include those in coastal waters. It may be time for you to consider flood insurance.

In case you have not noticed, flooding is occurring all over the country.  In addition, other conditions can alter the flood outlook, including changing the climate or the effects of El Nino or La Nina.  Our community has continued risks from flooding, and we want you to be informed.

Many weather experts tell us that if you are in a 100-year floodplain, or live close to waterways, you actually have about a 60% chance each year of having a flood.

Flood insurance can be purchased as a separate policy, covering your home and personal property. Flooding is excluded under most homeowner’s insurance policies. We can help you secure flood coverage through the National Flood Insurance Program. If you live in a low-risk area, premiums start as low as $150.00 per year for your home.
Flood insurance will not cover any vehicles, mold, money, or temporary housing expenses. You can determine whether you’re in a low or high-risk flood area by reviewing the flood maps at FEMA’s Flood Map Service Center, or by consulting with our office

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. ​
 

One of the most important financial decisions you will make is insuring your home. This important decision can’t be done on the internet in 7 minutes, because your home can go up in flames in less than 10 minutes and you might be left with a large un-insured loss.

Buying Homeowners Insurance--The Right Way

1. Use an independent agent. We will search the market for the best coverage value for you.  Do you know that some insurers don’t like older homes, while others do? Do you also know that some insurers give certain discounts that others don’t? We know how to give you the best value.
2. Read your policy. It is important that you know what your policy covers. We can certainly answer any questions you have, but it pays to review your coverage.
3. Talk with us about your coverage needs. You may travel frequently, have many toys like ATV or boats, or you may have expensive jewelry; all these life style choices need to be considered when selecting homeowners insurance.
4. Have you completed any home improvement projects? Did you add a bathroom, enlarge your deck, or add a media room?  Home improvement projects may require an update to your policy.  
5. Often adding other coverage like auto, boat or RV to combine coverage will gain a better cost advantage.
6. Having a home security system or home sprinkler system often will help lower premiums.

We all want to save money, especially on our home insurance. However, you must know how to get a good rate without compromising on coverage. By talking to us and discussing the coverages needed for your home, you will be able to receive the best possible combination of coverage, price and service.

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. ​

​Every one of us has certain things that occasionally prevent us from getting a good night’s sleep.  These concerns might be a job, kids, an illness, or other problems in life.  Our goal is to make sure that protecting your family with the right insurance is one thing that does not keep you up at night.
Here is how we help you get a good night’s sleep:

1. We never just sell you a policy.  We ask questions and educate you so that the coverage you select is the right fit for you.
2. Insurance is a complex transaction, so we work hard to make sure you understand how insurance works before you make a decision.
3. Our team is licensed, and we have years of experience which helps us better educate and guide you in your insurance needs.
4. We are here to answer any questions you may have regarding your insurance decisions.

According to an Insurance Journal article, here are the top issues that keep people up at night:

• Floods and other natural disasters
• Identity theft
• End of life issues
• Eldercare

We can provide valuable information regarding each of these concerns so that you can make the right decision for you and your family.  Our team will never push you into a hasty decision.  That is because we will only offer you an insurance solution after we fully understand your needs.

Connect with us and let us show you how we do it—and help you get a good night’s sleep.
​
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. 

Personal and Business insurance
The modern day customer is looking for value, ease of services, and quick responses.  In an era of impersonal internet companies, slick advertising, and “branding,” it can be hard for consumers to determine where to find the best insurance program for their needs.  To provide the best possible combination of coverage, services, and pricing, you need to look no further than your local independent agent.
​
Our Approach to Insurance Is Different
The best way to get the insurance that is right for you is to develop a relationship with your insurance agent.  The good news is that this process is not complicated or time consuming.

• We respond quickly.
• Insurance protects what is important to you, and we understand that.
• We gain an understanding of your individual needs.
• We educate rather than sell.
• Finding the right insurance coverage is an important purchase, because everyone’s needs are unique.
• Our professional team is trained and licensed.
• Insurance is too important to be ordered online like a book.
• Don’t wait for an un-insured claim to happen before you look for the right agent and coverage.

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 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. 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.

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. 

For many people, standard insurance products like home, auto, life, and personal umbrella insurance are adequate to protect their families and their assets.  However, for high net-worth individuals there is much more to consider.  
​
People with a high net-worth need to look at insurance in a different way than others do.  No longer are they trying just to insure a home or car, but instead they should be protecting their many assets through insurance.  High net-worth individuals also have a different lifestyle that creates new risks that should be managed.  Affluent individuals have unique property and casualty insurance needs due to their exposure to risk and to the types of assets they own.  Individuals with money become targets when anything goes wrong.  It is important not only to insure your property and other tangible assets, but also to protect your financial wealth.  Here are some of the products and solutions that may help high net-worth individuals protect themselves and their assets.

Personal Umbrella Coverage
High net-worth individuals need a competitive personal umbrella insurance policy with a limit of at least one million dollars.  In some cases, depending on your wealth, you may need liability limits of up to five million dollars.  A personal umbrella is able to go over many different insurance policies, and help protect assets with defense coverage as well.

Domestic Employees Insurance
Individuals who employ cooks, housekeepers, nannies or others to work in their homes need to have insurance coverage for their employees.  Having this kind of insurance helps protect you if your employee sues you for damages.  It is also important to carry workers’ compensation insurance on your staff.  This policy may also cover certain medical expenses that may be paid to the employee, and can help to replace any wages lost.

Coverage For Wine
Many high net-worth people have wine collections.  A standard homeowner’s policy may not be adequate to respond to a loss.  Wine insurance can cover the entire dollar amount of the wine with a limit for each bottle.

Fine Art Insurance And Other Collections
Fine art insurance can cover the full market value, or appraised value, on any art you own.  Most standard homeowner’s insurance policies have limitations on the amount of coverage offered.  Fine art insurance also covers the art when it is purchased; even it is away from your home. Here are other items you may need to insure.

• Precious jewelry
• Fine art
• Musical instruments
• Rare postage stamps and coins
• Sports memorabilia
• Fine china and silverware
• High-end electronics
• Other antiques and collectibles

 Property Coverage for High-End Homes
High-end homes often have unique construction that requires special property insurance coverage.  Custom construction drives the replacement cost higher.  It is very important to have full replacement coverage that addresses all the custom and unique types of property in the home.

Coverage for Home-Based Businesses
Many high net-worth individuals operate home-based businesses.  A standard homeowner’s insurance policy will not cover this risk.  A commercial insurance policy is needed to protect the risks of operating a home-based business adequately.

Serving on For-Profit and Non-Profit Boards
Many high net-worth individuals serve on for-profit and non-profit boards.  Some of these positions have indemnification and insurance included with serving on the board. However, some do not adequately protect the individual, and a separate policy is needed.

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. 
 

We are living in a new world, and it requires a new way of thinking about summer activities.  Many large events have been cancelled, and vacation plans have changed, but you can still have a great time with your family and friends this summer.
Social Distancing Fun:

• Camp in your own back yard
• Travel to the beach if it is open
• Take a hike
• Take a picnic to a lake
• Enjoy an outside movie night
• Host a virtual game night
• Go fishing
• Update your backyard
• Complete home improvement projects

Remember To:

• Wear a mask if it required
• Wash your hands
• Maintain social distance.  As you go about your life and errands, do your best to keep a distance of 6 feet

Who knows how long we will have to practice social distancing during the pandemic, but at least with these suggestions, you can still have fun while maintaining your six-foot bubble.

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. 

​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.
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: Most 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.

When was the last time you reviewed your personal insurance coverage? Most of us know that major life events can make it necessary to update our personal insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of coverage and price.
​
Insurance “To Do” List.
 

• Review my home and auto insurance to make sure I have the right coverage
• Take the time to read my insurance policies
• Consider increasing my umbrella coverage
• Check my credit score
• Get a quote for earthquake insurance
• Consider an alarm system
• Clean my gutters
• Have I replaced all the batteries in my smoke detectors?
• Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?
• Consider increasing my auto deductibles on my older vehicles
• Make sure I have identity theft insurance
• Combine my auto and home insurance to save money
• Complete a home inventory to ensure my property values are correct
• Do I have enough life insurance?
• Do I need life insurance for my spouse?

 
Have there been any of the following changes in my life situations? If so you may need to have your insurance adjusted to make sure you have the correct coverage.

• Bought  a new car or sold a car
• Changed your marital status
• Bought a boat, RV or ATV
• Change of address
• Welcomed a new baby into the family
• Major inheritance
• Have a new teen driver in the family
• New purchase of guns, jewelry or art
• Child headed off to college
• A Child over the age of 26
• Purchased second home
• Plan foreign travel
• Started a home based business
• Retirement

 
Give us a call today.
 

Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Always ask your insurance agent or company representative which laws apply in your state.
​
Liability coverage
Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included depends on the laws of your state and the company issuing the policy.

Collision coverage
Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.

Comprehensive coverage
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.

Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you should look into obtaining additional or optional equipment coverage.

Uninsured/underinsured motorist coverage
Uninsured/underinsured Motorist Coverage covers damages to you and your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured) to cover your damages.

This coverage typically pays for medical treatment, lost wages and other damages. If your uninsured/underinsured motorist coverage includes property damage, then your motorcycle would also be covered under the same circumstances. Check with your insurance professional to see if property damage is included or needs to be purchased separately.
 
Tips for the cost-conscious rider
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.

Maintaining a good driving record with no violations will also help reduce your premiums.

In many states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.

Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.

Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.