Month: July 2012

What is the best way to get comparable homeowners insurance quotes in Lufkin, Texas?

Posted on by AgentInsure

Before your mortgage lender will loan you money to buy your dream house in Lufkin, Texas, you’ll need to purchase homeowners insurance. This insurance is an important protection, covering the costs of repairing or replacing your home in case of fire or other disasters. Homeowners insurance also covers the cost of replacing the furniture, computers, TVs and other items in your home should they get damaged in a disaster or stolen by a burglar.

But you want to purchase a policy that features the best homeowners insurance rates. You want the financial protection that comes with homeowners insurance, but you don’t want to overpay for it.

Fortunately, it’s easy to compare insurance quotes in Lufkin, Texas. You just have to work with a local independent insurance agent. Such agents have developed relationships with the biggest providers of homeowners insurance in the country. Because of this, they can instantly provide you with a variety of live quotes from these providers. You can then study comparable homeowners insurance policies to determine which provides you the best protection at the best price.

As your insurance agent, we will help you put your insurance quotes into perspective. Remember, price is not the only factor you need to consider before buying homeowners insurance. You also need to consider the protection that a particular policy provides. You don’t want to discover the morning after a tree falls through your roof that your insurance company will only pay you half the costs of repairing the hole that’s now above your living room.

Skilled independent insurance agents can make the process of finding the right insurance policy at the best homeowners insurance rates an easy one. So as you search for your new home in Lufkin, don’t forget to search, too, for local independent insurance agents. Finding the right homeowners insurance can save you hundreds of dollars a year.

Manufactured Home Insurance in Lufkin TX: What You Need to Know

Posted on by AgentInsure

Manufactured home insurance in Lufkin, TX is similar to homeowners coverage, with a few minor differences. Standard coverages in manufactured home insurance policies protect against the "usual suspects."

Standard Manufactured Home Insurance Coverage

  • Fire.
  • Vandalism.
  • Explosion.
  • Burglary or robbery.
  • Water damage from plumbing problems.
  • Wild (or stray) animal damage.
  • Wind (possibly with some potential limitations, e.g., tornado).

In addition to physical damage, liability coverage should be included. If it is optional, buy it. Whether your home is in Lufkin, TX, San Diego, CA, or Palm Beach, FL, people will visit you; some of them may accidentally be injured. Property damage, and not personal injury, can also be the source of a liability claim. Medical bills, lost wages, disability, and the always popular lawsuit favorite, "pain and suffering," can cost you thousands. Always purchase sufficient liability with your manufactured home insurance equal to the value of your assets (homes, cars, boats, bank account balances, etc.). Be sure your liability coverages also pays your legal costs if you are sued.

Popular Additional or Optional Coverage Items

  • Additional living expenses. If your home becomes unlivable for a time, this coverage reimburses you for housing and meals while you’re away as your home is repaired.
  • Damage to trees, shrubs, plants and/or lawns. Landscaping components are very expensive. If you’re a fan of more exotic trees, shrubs and plants, replacing them can cost a fortune.
  • Debris removal. Many losses, particularly fire, wind and water, turn once functional–possibly, beautiful–windows, doors, roofs, car ports, etc.–into debris that must be removed. This cost is often overlooked until you get the bill. This coverage reimburses you for removing debris.
  • Food spoilage replacement. Losing your power for three or more days often causes your full refrigerator and freezer to contain useless food. Replacing all those goodies is expensive. It’s much easier to replace your spoiled food without damaging your bank account.
  • Fire department or emergency services. Whether you live in Lufkin, TX or Minneapolis, MN, you may get a bill for fire department or other emergency service responses. This coverage will pay that bill for you.
  • Personal property comprehensive coverage. Sometimes, your personal property is not destroyed under standard coverage or is not stolen during a burglary. It suffers damage from other or unknown sources. This coverage reimburses for these losses.
  • Other structures. Do you have other structures, e.g., a shed, on your property? Replacing its destruction can be costly. Protect other structures, if you have one or more.

Find an experienced agent for your manufactured home insurance to get the best, most cost-effective advice and coverage. He/she will do everything possible to give you the most complete coverage for your situation within budgetary constraints.

How to Select an Auto Insurance Company in Lufkin, Texas

Posted on by AgentInsure

Before you hit the roads in Lufkin, Texas, you need to purchase auto insurance. Driving wthout insurance is illegal in Texas. If you should be pulled over in Lufkin, TX without insurance, you’ll face steep fines and the possible loss of your driving privileges.

But many insurance companies serve Lufkin, TX. Which one should you select for your policy? Selecting auto insurance is an important task. Depending upon what auto insurance provider you choose, you could save hundreds of dollars a year in rates.

Fortunately, searching for the right auto insrance company is an easier job today. The best way to find the best possible coverage at the best rate is to work with an independent insurance broker. These financial professionals have formed relationships with the best insurance providers in the country. When you need to select an auto insurance policy, your independent broker can search several live quotes. This gives you the option to quickly shop for the best policy for your needs.

Price, of course, will play an important factor when selecting auto insurance. But it shouldn’t be the only factor you consider. There’s also service. You want to work with an auto insurance company that has a strong presence in Lufkin, one that can answer your coverage questions quickly. You want to pay attention, too, to the size of your deductible. If you suffer a serious car accident, you’ll have to pay your deductible out of your own pocket. Make sure that your policy doesn’t come with a deductible that you can’t afford.

Finally, you might want to work with an insurer that provides a host of other insurance products. If you take out additional insurance — such as life or homeowners insurance — you might be eligible for a rate discount. Many insurance companies offer discounts to customers who take out more than one insurance policy with them.

Finding the Best Auto Insurance for Teen Drivers in Lufkin, TX

Posted on by AgentInsure

Finding the best auto insurance coverage is important if you have teenage drivers in Lufkin, TX. Although your teenage son or daughter probably can’t wait to get behind the wheel, you may be a little more concerned. Not only will your insurance rates go up, but you will have to worry about your kids driving on Highway 59.

There are a few ways you can save money on your teen auto insurance coverage. First, make sure your kids are doing well in school. Many companies will give a discount if your son is on the honor roll or has a high grade point average. This helps encourage your children to do well in school and also saving you money on your auto premium. Another way to save money is to make sure your child takes a safe driving course. Again, many companies will give discounts if you can prove your child has taken a class that promotes safety on the road. Probably the best way to save money on your teen auto insurance coverage is to purchase a sensible car for her to drive. Instead of that fancy red sports car your son has been dreaming of, find a four door sedan that gets great gas mileage. Leave the sports car for when you son is paying his own car insurance!

No matter what, you will need to save money when your teen starts driving in Lufkin, TX. Compare rates with several companies and see if you can find your insurance cheaper with another company. Some providers even specialize in providing insurance for teenage drivers. Make sure you ask about discounts available and let the provider know your child does well in school and drives responsibly. Go online to start saving money today.