Auto, Life & Home Insurance in Southlake TX
If you own a boat in Texas, you know that having the right insurance coverage is essential. Not only does it protect your investment, but it also ensures that you’re covered in case of an accident or other unforeseen events. However, insurance rates can change over time, so it’s essential to check your boat insurance …
Questions That Are Often Asked Regarding Changing Home Insurance Providers Homeowners who are thinking about switching home insurance carriers typically have a lot of concerns about the switching process. We have answered some of these questions to help make the process easier for homeowners. When is the right time to switch homeowners insurance providers? There …
Every one of us wants to protect our property as much as we can. It is the fruit of our labor that we have worked hard to acquire. One way of ensuring that your prized possessions, such as your home, are protected is by acquiring homeowner insurance. However, many policyholders are still debating about how …
Getting car insurance can give you peace of mind if you ever find yourself in an accident, your car gets stolen, vandalized, or suffers natural disaster damage. It’s a wise choice to protect your investments. Car insurance comes at a cost. But, this shouldn’t frighten you away from getting one. There are ways to lessen …
The concept of car insurance is pretty simple; if you happen to be involved in an auto crash with your vehicle, your insurance company helps reduce the financial burden the incident exerts on you. Since time immemorial, insurance companies have been helping reduce the financial burden on their customers worldwide when ugly incidents occur. For …
Do you want to know the maximum cost of getting your firearm insured in Texas? If your answer is yes, then you’re in the right place. Here, we’ll present you with a couple of options, depending on how much coverage you want in return. You could pay more now and get a bigger insurance claim …
Owning a home in the United States is an achievement and a primary pillar of the “American Dream.” For this reason, the need to own a house is increasing every day. As people buy houses, the need to protect them comes knocking at the door. Owning a home is one thing; the other is protecting …
For many Texans, housing insurance is crucial to securing the future of their homes and that of their household. As a state that is notoriously prone to natural disasters, this could not be any more important. As a result, home insurance is popular in Texas, and it posts some of the shortest time frames for …
Does my homeowners’ insurance policy cover my home office too? The short answer is that it does not. For the most part, homeowners’ insurance is only meant to cover personal property, i.e., ones for personal use. That means any items that are lost which are not of personal use, i.e., which are being used for …
How to lower the cost of my home insurance policy? Well, there are quite a few ways to lower the cost of your homeowner’s insurance policy. The easiest thing is to request a comprehensive review of the policy. It isn’t surprising to find quotes on various types of homeowners insurance, which will vary a few …
With so many companies offering home insurance, it can be difficult to find the best deal. The best way to save money on home insurance in 2022 is to compare quotes from different companies and find out which one offers the best price. This will not only help you save money on home insurance, but …
In the insurance world, you will run into two types of insurance agents. One set of them is independent, and the other is captive. Unfortunately, many people aren’t familiar with these terms. Captive insurance agents sell insurance from only one type of provider. However, independent agents have access to many insurance companies or carriers, offering …
It goes without saying that your credit score ultimately decides your financial fate. Whether you are applying for a home loan or auto loan, a high credit score improves your chances of getting approved and for hopefully the lowest possible interest rates. On the other hand, bad credit can have the opposite effect. While there …
Let’s face it life insurance happens to be a necessary expense. It is like many other insurance products we need and use but want to pay as little as we can. However, think of it as a less painless way to save money for when you’re not around. That said, you can do a few …
As a homeowner, you can’t avoid the cost of homeowners insurance. However, what you end up paying for insurance will vary depending on where you live, the age of your home, and its condition. The average a homeowner can expect to pay around $1200 an annum. It certainly comes across as a significant expense, but …
A term life insurance policy is one of the best ways to protect your family against possible financial turmoil in the event that you passed away. It is one of the best insurance products and offers many advantages over the often pricier permanent policy. Many of the latest term life insurance policies come with a …
The short answer is that if you add a pool to your home, you will need and should consider adding more liability coverage to the current homeowner’s insurance policy. The additional coverage will help cover medical and legal expenses if there is a pool-related accident. The increase in coverage will automatically raise your premiums. The …
What is the difference between buying insurance through an independent agent and a larger insurance company? One of the questions that people always us here at James Little Agency is: “Is it better to buy their insurance from an independent agent in Fort Worth versus directly from a company?” While the two options may appear to be …
What You Should Know About Covid-19 and Life Insurance The pandemic of 2020, COVID-19, has significantly changed life insurance policies and one’s view on life insurance. Perhaps most noticeably, we’re seeing more and more people talk about life insurance and more younger individuals purchasing policies. It seems like COVID-19 has gotten people asking themselves, “if …
Why You Are Never Too Young To Get Life Insurance As a young person, the last thing you will want to think about is your life ending. Most young people in their teens, 20s, and early 30s are living life. They are wild, energetic, and engage in lots of sports because they tend to be …
Glossary of Homeowners Insurance Terms Below is a glossary of Homeowners Insurance Terms: Actual cash value (ACV):The value of your property, based on the current cost to replace it minus depreciation. Also see “replacement cost.” Additional living expenses (ALE):Reimburses the policyholder for the cost of temporary housing, food, and other essential living expenses, if the …
HOA Q’s Ask what type of homeowners insurance policy they are selling. Is it the HO-B, HO-A, or another policy? If it is an HO-A, ask if any coverage has been added to the base HO-A policy. Verify what they tell you with an independent source (such as the OPIC policy comparison chart ) If it is another policy …
Glossary of Auto Insurance Terms A general understanding of basic auto insurance terms will help you understand what you are and aren’t covered for in your policy. The following auto insurance terms are offered to give you a basic explanation of the terms you may hear or read when shopping for auto insurance. Feel free to give us a call at …
