Entries by Tosten1980

Renters Insurance for Your Personal Effects

If you rent a house, apartment or mobile home you should renters insurance coverage. Why? Personal effects are not protected by the landlord’s insurance policy. Your landlord’s insurance covers damage to the building but does not protect your personal possessions. If your personal effects are lost, damaged or stolen, renters insurance provides coverage. Renters insurance also protects […]

Why Do Business with an Independent Insurance Agent?

You may have wondered about the phrase Independent Insurance Agent. What exactly does that mean? And why should I use them? In this week’s blog we will try to clarify that for you. Insurance agents who work for one company are referred to as ‘captive agents. They will only sell insurance policies from one insurance […]

Home Insurance and Tornado Season

Tornado Alley, a swath of land from Texas to Nebraska, is most prone to destructive vortexes, but the fact is, tornadoes can strike anywhere. Random tornadoes have formed in areas far outside of Tornado Alley in recent years, touching down in cities from outside Sacramento, California, to Long Island, New York. For those of us […]

Fore! Got Golf Cart Insurance?

Perfect golfing weather may cause you to temporarily forget about your golf cart insurance. But before you grab the irons and head for the links, check to make sure your golf cart is fully covered.  Depending on how you use your golf cart and what type it is will be the deciding factors for the […]

Insure Against Hail Damage – a Property Nightmare

It’s that unsettling time of year when Mother Nature can wreak havoc on your property without much notice. Among the culprits is hail damage. Repairs due to hail damage can often cost thousands of dollars, depending on the size of the hail, the impact angle and force, and the duration of the storm. The fact […]

Is Your RV Insurance Ready for Summer Fun?

One way to be sure your RV is adequately insured is to request an easy, fast online quote.  RV insurance is different from other insurance, so it’s best to understand the details before you hit the road for summer trips and campouts. For instance, do you know what a Total Loss Replacement (TLR) is? It means that if […]

Your Insurance Coverages May Need Some Spring Cleaning

Are you busy with closet cleanouts and dusting remote corners of your house?  Spring has a way of motivating us to get busy and start afresh. And as you’re tackling your spring cleaning list, don’t forget to add checking on your insurance policies to the task. After all, they may need a bit of dusting […]

Is an Independent Contractor Covered by Workers’ Comp?

Independent contractors are not eligible for workers’ compensation coverage; employers are not required by state law to purchase coverage for independent contractors. Whether or not a worker is an employee is not controlled by what name the employer uses for the worker, but by the circumstances surrounding the employee’s work. Independent contractors provide a service, usually with a […]

Boat Insurance Gives You Peace of Mind to Have More Fun

If you happen to be a proud owner of one of the 580,000 boats registered in Texas*, you’re probably getting her ship-shape for some summer fun, fishing and relaxation on your favorite lake.  Since Texas has more square miles of inland water than any other state, you’ve got plenty of choices.* Small boats with only […]

Understanding Commercial Property Rates and Fire Risk

If you’re in business, you probably understand what insurance underwriting means. The process of underwriting determines how likely your business is to file a claim. Simply put, the greater the likelihood of a claim, the higher your premium will be. If an insurance company determines that your business is at a high risk for a […]