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:
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.
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.
Give us a call today. 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. According to the Small Business Administration, 25% of businesses do not re-open after a disaster. Most of these failed businesses did not have a disaster plan in place.Small business disaster preparedness planning is easier than you think.
Disasters Can Include:
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. 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.
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. 8/21/2019 Tips On Home SafetyA 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:
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 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. 6/19/2019 2019 Hurricane Season Is HereWe 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:
10/30/2018 Your Texas Homeowners Insurance GuideA Personal Insurance Update
As you consider buying your first or second home, it pays to have a good understanding of just what you are getting into when it comes to home ownership. Here are a few tips for you to think about before you make that move.
Choosing the right coverage for your home may depend on a number of factors. You generally need enough insurance to cover the cost of rebuilding your home and replacing your personal possessions. The homeowner's policy also provides liability insurance to defend you in the event of a lawsuit. As our name implies, we strive to make your insurance experience positive. We understand you have many options when it comes to getting personal insurance, so we are going to strive to give you first class customer service you deserve. |
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