Entries by Tosten1980

Do Babysitters Need Liability Insurance?

Very often, babysitting is a young person’s first job, usually starting with siblings, cousins or close friends. Usually 11 to12 years of age is considered the youngest recommended age, depending on the babysitter’s level of maturity and responsibility. And there are a number of things that you need when you babysit – the safety checklist, […]

Umbrella Insurance Can Protect You from the Unexpected

What is Umbrella Insurance, and how can it benefit you? Here is information that should clear up any questions you may have. Umbrella insurance is a liability insurance supplement to your basic liability policies that would include your auto, home or renter’s insurance. An umbrella liability policy is extra protection that covers a much higher limit […]

Home Insurance Protects You from the Halloween Goblins

Halloween can be great fun for everyone, especially the anticipation of what new funny, scary or unique face will show up at the front door. Fortunately, for most homeowners, the scary unknowns are covered by their homeowner’s insurance policies. Vandalism and so-called ‘tricks’ at Halloween can damage your home, so it’s comforting to know that […]

You Deserve the Best Car Insurance Rates

With so many options available for car insurance, what’s the secret to getting the best possible Texas car insurance rates? The answer could be in the questions you ask. What kind of car do you have? Depending on the year, make and model of your car, your comprehensive and collision coverage will be higher or […]

7 Things to Know When Purchasing Homeowner’s Insurance

Whether you own a home or rent, you need home insurance to protect your personal property. Everyone needs protection against liability for accidents that could injure other people or damage their property. To get the best rates and coverage, know what to look for when shopping using these valuable tips. Amount of Coverage You Need […]

The Case for Cyber Insurance

Think about all the various digital devices that now connect to business networks. These devices, in addition to the internet, amplify opportunities for people to access your company’s assets. The worst year ever for cyber attacks was 2017. Although many people think cyberattacks happen mainly in large enterprises, the fact is small businesses are increasingly becoming targets […]

Why Auto Insurance Rates Go Up

Auto Insurance is based on risk and reward. Your insurance company must balance the risk-to-reward ratio to be a profitable business. But there are factors which influence how and if that happens and how you drive is a big one. If your driving habits change (for the worse), the insurance company may need to raise […]

Will Your Homeowner’s Insurance Cover a Loss Due to Fire?

As summer slowly phases out and autumn leaves begin to fall, our thoughts turn to the cooler days of winter. With that comes the need for heat, fires in the fireplace, space heaters, fire pits and such. The question is, how are you covered for the possibility of fire damage or total loss? If your […]

An Independent Insurance Agent is Your Personal Advocate

Out here in the Permian Basin, people have a particular set of values based on honesty, trust and respect. We understand that and work hard to embrace those values in our business and community outreach. As an independent insurance agency for more than 35 years, we know you have the option to shop for insurance […]