Personal Insurance
Our goal is always to give our clients the best possible combination of coverage, price, and service. We are not in the business of offering low-cost insurance that does not meet the needs of our clients. There are many ways we help our clients with their personal insurance while keeping our promises. By believing that insurance is about understanding the needs of our clients and then developing personal insurance solutions around your needs, our clients will be better off. Here are some ways in which we provide unique insurance solutions for our clients. Home Insurance – Do you have true replacement cost coverage. Are you insuring your loss of use if your home were destroyed? Auto Insurance – We recommend buying more than the state minimum requirements for liability coverage. The small additional premium can help protect your financial future. Motorcycle Insurance - 24-Hour Roadside Assistance, your bike breaks down in the middle of a long road trip. Count on roadside help with this coverage Watercraft Insurance - Protect your watercraft and trailer, including options for agreed value and emergency services. Here is how we get you the right insurance. We place your personal insurance with the right companies. We understand that not all insurance companies are alike. Some companies have great motorcycle rates, while others offer competitive rates on homeowner or renter’s insurance. We have many years of experience, which helps us know which insurers keep their promises. If insurers stop keeping their promises, then we stop using them. All our insurance companies have proven records of accomplishment of delivering on their promises. That means they pay their claims promptly and with minimum problems. Our staff is licensed and trained. We believe that having a team that is licensed and trained is the best way to deliver on our promises. We promise to take the time to understand your needs and be transparent in all our dealings with our customers. We may not be perfect, but we will always work hard to make sure your needs are our number one priority. We find the right personal insurance coverage for your needs. We can provide personal insurance options that fit your individual needs. That may mean a personal umbrella for added protection, competitive coverage for a vacation home, life insurance, disability insurance, or even mortgage protection coverage. It may also mean we advise you to increase your deductibles on older vehicles. If you have a custom home, we would recommend adding the feature to your homeowner’s insurance that is designed to provide the needed replacement coverage in the event of a loss. You may need special personal insurance coverage. There are many special or unique kinds of personal insurance coverages that you may require. These can include identity theft, coverage for fine arts, guns, and other collectibles, plus others. If you are traveling to a foreign country, you may need special health insurance or trip cancelation coverage. All these safeguards are part of how we try to keep our promise to you. We provide only the personal insurance you need. We can provide the necessary personal insurance coverage and limits; we will not try to sell you something you do not need. If you are a young family, we might recommend term life insurance, but if you are in your later years, term life insurance might not be your best option. If you are a high net-worth individual, we are going to recommend at least a $1,000,000 personal umbrella policy to protect you and your family. These policies can often include coverage for reputation management services and defense services, which are part of the policy. We would rather teach than sell. Our office is located where you live and work. We love to meet with our clients and educate them on what kind of individualized personal lines insurance is best for them. We do not use call centers; we have licensed professionals ready to serve you. Our team is here to help you along every step of the way, from designing a competitively priced personal insurance program to helping you settle a claim. We use our experience and knowledge to help you with all your personal insurance needs by presenting you with the best possible combination of coverage, price, and service. Our promise is to help you understand your personal risks, provide you with competitive options, and be there for you when you have a claim. We will respond to your requests promptly and look out after your interests first. Give us a call Summer is the time when many homeowners start to think about and plan for, various home remodeling projects. If you are thinking about updating your kitchen, putting on that new roof, or even landscape projects, it pays to do some pre-planning. Whatever the project, you need to protect yourself from the financial risks and hazards associated with a home remodel project.
Our team of agents continually pursues additional professional education and certifications. It is our goal to ‘wow' you with the best service every time you call 7/2/2021 Fire Up The Grill SafelyA Personal Insurance and Safety Update
In 2020, 19,400 people went to emergency rooms because of barbeque related accidents. Sixteen percent of home structure fires involving a grill were caused during ignition because something flammable was too close to the grill. Twenty percent of all reported grill fires were a result of leaks or breaks. Gas grills account for more home fires overall than do charcoal grills. Emergency rooms see the use of gasoline on a charcoal grill as the most common error associated with burn cases. You might think you know all you need to know about barbeque safety and grilling, but here are some reminders. We want your grilling experience to be fun and safe for the entire family. General Grilling Safety
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. Strive Insurance Group, Inc. is a full-service independent insurance agency that has been serving insurance customers since 1984 (formerly Gordon Lund Insurance). Don't worry, nothing has changed, but our name. We are licensed in Texas, California and Missouri. 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. 6/23/2021 July 4th Safety TipsWe are approaching our nation's birthday, July 4th, and we hope everyone has a great day of celebration with friends and family. In 2020 over 5,800 people went to the emergency room as a result of fireworks-related injuries. There were an estimated 13,750 reported fires started by fireworks. These fires resulted in an estimated eight reported deaths, and $40 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!
Homeowner's Insurance If you over-celebrate and do have a loss or damage, please call our office. It is very likely that the claim would be covered under your homeowner's insurance policy. General 4th of July safety Be a safe swimmer. Water sports and fireworks are two of the biggest pastimes for the Fourth of July celebrations, and these are both linked to numerous deaths and injuries each year. Never swim alone, and make sure that kids' water play is adequately supervised at all times. Be a safe boater. Never consume alcohol while driving a boat. Set water safety rules for your family and passengers. Use alcohol responsibly. Alcohol and fireworks can be a hazardous and dangerous combination. Use sunscreen. At the start of summer, skin is especially tender, so use a high SPF. Keep alert for local weather conditions. Check to see if any warning signs or flags are posted. Remember your pet. They are not used to all the fireworks, so keep them inside. Grill safely. Before you use your grill, make sure all hoses are secure and leak-free. Never grill inside. Keep grill away for al structures. Fireworks Safety
An Insurance Update
Most people have some gaps in their personal insurance coverage. We do our best to help our clients understand where these are and provide solutions so that these gaps don’t exist. Having an independent agent help, you find the right kind of personal insurance for you can go a long way in providing you with peace of mind. Personal insurance is complex, and we are here to help you understand the complex, so you have made an informed and educated decision. What are Insurance gaps? Insurance gaps can be areas where you thought there was coverage, but in reality, there is not. It may be that the coverage is not available or is too expensive or you just did not know about it. Gaps can occur if you have more than one agent handling your personal insurance. Between your home, auto, RV or personal umbrella there might be times when one agent thought the other was taking care of the issue. Insurance gaps can include: • Flood insurance • Identity theft • Earthquake • Sewer back-up • Auto insurance limit issues • Your home is undervalued • Lack of a personal umbrella • Limited coverage for other drivers on your auto policy. These are just a few of the personal insurance issues that can create real problems for you. Call our office for a free review. Strive Insurance Group, Inc. is a full-service independent insurance agency that has been serving insurance customers since 1984 (formerly Gordon Lund Insurance). Don't worry, nothing has changed, but our name. We are licensed in Texas, California and Missouri. 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. There are several common mistakes some people make when it comes to purchasing commercial 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 insurance.
Mistake One Having two agents is better because they keep each other competitive Having two agents duplicates effort and can create coverage gaps. For example, there is certain coverage that can be included under a liability policy and auto policy. One agent is better able to manage your entire insurance program. Mistake Two 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 the needed coverage. For example, does the lower premium include replacement cost coverage on buildings and equipment? Mistake Three Buying from a national company is always better. Don't listen to the entertaining advertising on TV. Most national agents only represent one insurance company. They can't shop your account to determine the best combination of price and coverage. Mistake Four 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. Mistake Five Umbrella insurance is only high net worth companies or individuals A small electrical contractor was at fault for the total loss of a historic property, a loss that exceeded his general liability policy. The contractor's umbrella paid the loss in excess of $7,000,000. Umbrella or excess coverage is some of the least costly insurance you can buy. Don't risk a lost for a little expense. Mistake Six I don't need employment liability insurance, I only have five employees, and they are like family. This is the fastest-growing area of litigation for small businesses. The average claim cost in 2020 was $75,000. Mistake Seven Not knowing your policy Consumers' biggest mistake is not knowing what's in the fine print of their policies. Take time to read the policy. Ask your agent to meet with you at least annually to review your coverage. Mistake Eight Flood insurance is only for business in high-risk areas Big mistake; we recommend you ask for a flood quote to at least review the cost-benefit of the coverage. Mistake Nine I don't need disability insurance because I can get Social Security Don't count on Social Security to take care of all your needs if you become disabled. The cost is not as much as you may think. Mistake Ten There isn't anything I can do to manage my insurance costs except shop price. There are many things you can do to reduce your premiums; here are a few:
5/26/2021 Interesting Insurance FactsMany people think insurance is a bit dry. Well we want to help change that. Here are some interesting insurance facts you may not have thought of.
Our agency truly values the long term relationship with our clients, and are proud to give families, individuals and businesses the personal attention required when it matters most. When claims arise, we realize that it can be very stressful and will do everything possible to assure timely and complete recovery. Your landscaper falls from your tree while he is pruning it, and the injuries send him to the hospital. His medical bills are about $5,000 and he does not have any insurance. Will your homeowner's insurance cover you if the worker decides to file a lawsuit?
Most homeowners do not fully understand that they could be liable for damages from a maid, landscaper, or contractor if they are injured on the homeowner’s property. Homeowner’s insurance is designed to cover you for losses to third parties when you are responsible for the injury. Homeowner’s insurance does not cover business operations. How to make sure you are protected
Summer is here for most of us, which means getting outside, traveling, playing sports, and completing home improvement projects. But spring and summer can be dangerous. Here are some of the most common claims that occur in spring and summer.
We can provide personal insurance options that fit your individual needs. That may mean a personal umbrella for added protection, competitive coverage for a vacation home, life insurance, disability insurance, or even mortgage protection coverage. It may also mean we advise you to increase your deductibles on older vehicles. If you have a custom home, we would recommend adding the feature to your homeowner’s insurance that is designed to provide the needed replacement coverage in the event of a loss. Home Insurance – Do you have true replacement cost coverage. Are you insuring your loss of use if your home were destroyed? Auto Insurance – We recommend buying more than the state minimum requirements for liability coverage. The small additional premium can help protect your financial future. Motorcycle Insurance - 24-Hour Roadside Assistance, your bike breaks down in the middle of a long road trip. Count on roadside help with this coverage Watercraft Insurance - Protect your watercraft and trailer, including options for agreed value and emergency services. We can help you determine the right homeowner’s insurance coverage
Every year there are many new homeowners who look to us for help with their first home. Understand homeowner’s insurance can bring stress and misunderstanding, and we are here to help you find the right combination of coverage, price, and service. We find most first-time home buyers may not understand what is covered and not covered under a typical home insurance policy. Many times the mortgage company will require insurance, and the homeowner won’t question the coverage specifics. But it is just a minimum requirement for what you are purchasing. If you are an uninformed buyer, you might not address every possible scenario that might be covered by another policy. Keys to understanding your home insurance policy
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