What is a Dec Page?
What is a Dec Page? Here at Hanby, we understand most people don’t deal in the insurance space every day like we do. In the current insurance marketplace, with rates…
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Flood Insurance Myths
Flood Insurance Myths Earlier this summer, we had a lot of rain in North Texas. We even broke some records because of the rainfall we had! With all of the…
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Roommates and Insurance Policies
Roommates and Insurance Policies Our blog is all about answering questions. So, when we get questions more than once, we like to write a blog about them. Generally, the public…
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When to Add Someone to Your Auto Insurance
When to Add Someone to Your Auto Insurance “When should I add someone to my auto insurance?” This question comes up often, and here’s the answer: Anyone who lives within…
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Wind and Hail Deductible Increases
Wind and Hail Deductible Increases Today I want to talk about increasing homeowner’s insurance deductibles, specifically wind and hail deductibles. North Texas, is notorious for wind and hailstorms. In fact,…
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Welcoming Jeremy Neill
Welcoming Jeremy Neill I’m excited to introduce our new Vice President of Commercial Lines! Most of our commercial clients are used to dealing with Candace and Tammie, who do a…
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The Importance of Rental Car Insurance
Importance of Rental Car Insurance I want to tell you about the importance of taking out the insurance on your rental car, from the rental car company. Most people don’t…
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Dogs and Homeowners Insurance
Dogs and Homeowners Insurance Did you know that if you have a certain breed of dog, it might be harder for you to get insurance on your house? Many insurance…
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How Your Credit Impacts Insurance
How Your Credit Impacts Insurance Most people know that insurance carriers use credit as an underwriting factor, but they’re not really sure why we use credit or what credit has…
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Holiday Home Insurance Claims
The Holiday’s and Home Insurance Claims During the holiday season, we see an uptick in home claims. This is typically attributed to a couple things – one of them being…
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A Grinch Stole My Christmas Packages!
Oh No! A Grinch Stole My Christmas Packages! At Hanby Insurance, we’re so excited about the upcoming holiday season! However, we want to make you aware of a few things…
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Real Talk: Insurance Industry Update
Real Talk: Insurance Industry Update Hey there. . It’s time for a heart-to-heart about the state of insurance these days. We know it can be a bit confusing and frustrating…
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Does My College Student Need Renter’s Insurance?
Does My College Student Need Renter’s Insurance? Sending your child off to college is a significant milestone. Renter’s insurance might not be at the forefront of your mind, but it’s…
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Importance of Renters Insurance
The Importance of Renters Insurance I want to discuss the importance of carrying renters insurance. If you own a home, your mortgage company typically requires that you carry Homeowner’s Insurance.…
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Do Hail Claims Increase My Auto Insurance Premiums?
Do Hail Claims Increase My Auto Insurance Premiums? Hail Claims on Insurance We recommend that you do your best to try to prevent hail damage from happening to your vehicles.…
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Protecting Your Jewelry
Jewelry Insurance: Protect Your Bling Month of Love It’s February – the month of love! We know a lot of people are getting special gifts and some are even getting…
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The Importance of Home Inventory
The Importance of Home Inventory Why Should I Have a Home Inventory? When something catastrophic happens, it’s almost impossible to think of all of the things you had in your…
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Is My Windshield Covered?
Is My Windshield Covered? We often get calls about chipped or cracked windshields. Many times, people ask, “Is my windshield covered?” Like most insurance questions, it’s a bit convoluted. If…
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Homeowners Insurance and Inflation
Homeowners Insurance and Inflation How Much Coverage to Include With inflation, we know everything is going up. One of the things we are seeing increase greatly is the value of…
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If I Let Someone Drive My Car, are they Insured?
If I Let Someone Drive My Car, are they Insured? Letting a Friend Drive or Borrow Your Car Often times, people ask us, “What happens if I let my friend…
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What is Flood Insurance?
What is Flood Insurance and Why Do You Need It? Flood insurance covers surface runoff water or rising water getting into your home. Flood is not considered a broken pipe…
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Paying a Claim Out-of-Pocket
Insurance Claim vs. Paying Out-of-Pocket When to Submit a Claim We often recommend paying a claim out-of-pocket, but only if the claim is for property damage only. If there is…
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How to Insure a Classic Car
How to Insure a Classic Car At Hanby, we don’t think you should ever put your classic auto on your personal auto policy – for several reasons. The biggest reason…
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Does Insurance Cover My Foundation?
Does Insurance Cover My Foundation? Is My Foundation Covered under my Homeowners Insurance? Wow, we’ve had a very hot and dry summer! A lot of people are asking, “Is my…
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Who’s Responsible if a Tree Falls on My House or Car?
Who’s Responsible if a Tree Falls on My House or Car? A Frequent Question With storm season coming up, we get asked this question quite often: “My neighbor’s tree fell…
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Who Does the Repairs After You Have Filed a Claim?
Who Does the Repairs After You Have Filed a Claim? Companies You Can Use There’s often a lot of confusion on how to get your house or car repaired in…
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Speeding Tickets and Insurance Rates
Speeding Tickets and Insurance Rates In our agency we often get inquiries about Speeding Tickets and if they affect insurance rates. Yes, speeding tickets do impact insurance rates but you…
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Does Having a Pool Raise my Homeowners Insurance Rate?
Does Having a Pool Raise my Homeowners Insurance Rate? Swimming Pools and Insurance Rates The Question About Insurance Rates Here’s another question we get asked a lot at Hanby –…
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Commercial Insurance Audits
Commercial Insurance Audits Commercial Insurance Policies We don’t talk a lot about commercial insurance. But at Hanby Insurance, we do write quite a bit of commercial insurance policies – specifically…
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Discounts on Auto Insurance
What Discounts Can I Get on Auto Insurance? In the past, we’ve talked about discounts that are available for homeowners’ insurance. But we haven’t really talked about auto insurance. Honestly,…
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What is a C.L.U.E.® Report?
What is a C.L.U.E.® Report? What It Does Insurance companies use reports to help determine your rates. One of the reports they use is called a C.L.U.E.® (Comprehensive Loss Underwriting…
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Is Termite Damage Covered?
Termite Damage Lately, I’ve been getting questions from people asking if their homeowner’s insurance covers damage caused by termites. That’s a tricky question. Typically, your homeowner’s insurance isn’t meant to…
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Rising Insurance Rates 2022
Rising Insurance Rates in 2022 Why home and auto insurance rates are rising in 2022. I hate to be the bearer of bad news, folks, but…along with everything else, insurance…
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Protecting Your Firearms
Protecting Your Firearms Coverage Limit for Firearms Most homeowner’s policies limit coverage for theft of firearms to $1,000. If you have a large gun and/or ammunition collection that you keep…
Read MoreSOCIETY OF CICS HONORS ERIN NEILL
SOCIETY OF CERTIFIED INSURANCE COUNSELORS HONORS ERIN NEILL FOR FIVE YEARS OF DEDICATED LEADERSHIP AND PROFESSIONAL DEVELOPMENT. Erin Neill, CIC of Rockwall, Texas was recently recognized for professional leadership and…
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Understanding Actual Cash Value (ACV)
Understanding Actual Cash Value (ACV) What is ACV? There’s a term in insurance that floats around quite often, and that is Actual Cash Value (ACV). This applies to many things.…
Read MoreWhat is Full Coverage Insurance?
What is Full Coverage Auto Insurance? The Origin of the Term We often get asked about full coverage auto insurance. “Full coverage” isn’t actually an insurance term. It started with…
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Submitting a Home Insurance claim?
What is the process of submitting a homeowner’s insurance claim? Prevent Further Damage The very first thing you need to do is try to prevent further damage from happening to…
Read MoreHow Can I Get Discounts on My Homeowner’s Insurance?
How Can I Get Discounts on My Homeowner’s Insurance? Rising Insurance Rates Insurance rates are going up! Everyone loves to hear that, right? Unfortunately, that’s the reality. So today, I…
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Child Abuse Awareness Month
Child Abuse Awareness Month Partnership with the Children’s Advocacy Center for Rockwall County April is Child Abuse Awareness Month. Here at Hanby Insurance, we are partnered with the Children’s Advocacy…
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What do I do if I’ve been in a car accident?
What do I do if I’ve been in a car accident? Make Sure Everyone is Safe This is the most important thing to do. If you’re in the middle of…
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Does having a dashcam save money on my car insurance?
Does having a dashcam save money on my car insurance? The Short Answer: No The answer to this question is no. However, it’s a great idea to get a dashcam…
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Am I Committing Insurance Fraud with my Roof Repair?
Am I Committing Insurance Fraud with my Roof Repair? The Lie Roofers Tell You Storm season is approaching, and with it comes roof damage. When this inevitably happens, many roofers…
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Does My Car Insurance Cover Me in a Rental Car?
The Short Answer: It Depends on Your Policy This is a tricky question. Yes, the majority of insurance policies out there will cover you while you’re driving a substitute vehicle…
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Do you have questions about insurance for your Tesla?
Do you have questions about insurance for your Tesla? We have answers! Buying insurance for your Tesla is not really that different from insuring other vehicle, but there are a…
Read MoreState Minimum Liability Limits
The Truth about Buying State Minimum Liability Limits. Buying state minimum liability limits is never in your best interest. You can usually buy much better limits for just a few…
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Covid-19 Update
We hope that you are staying healthy and enjoying summer as much as possible with everything that is happening in the world today. We want you to know that our…
Read MoreKeeping our “Social Distance”
Following our school system and advice from local health professionals, we are self quarantining our office until further notice. We have invested in technology that will allow our agents to…
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Insurance for your Teen Driver
Insurance for your Teen Driver At Hanby Insurance, we specialize in helping you find the right insurance for teen drivers. There are a lot of rumors and misconceptions out there,…
Read MoreA Guide to Buying Condo Insurance
There is a common misconception that when you buy a Condo or Town-home, the insurance is “included” in the HOA dues. While there is some truth to this, it’s not…
Read MoreIndependent Agency vs. Captive Carrier Insurance
The bottom line is independent agencies offer choices. This means better coverage and lower premiums for their clients.
Read MoreThink twice about letting your auto insurance lapse…
Think twice before letting your auto insurance policy lapse.In Texas and almost all other states (New Hampshire being the exception) it is against the law to drive without insurance.
Read MoreEarthquake! Are you covered?
Most North Texans have seen the recent news coverage about earthquakes in our area. The reality is that an earthquake can strike anywhere in the world at any time.
Read MoreLove your Bling? Insure Your Ring!
Love your Bling? Insure Your Ring! Tomorrow is Valentine’s Day. Did you know is that there is very little coverage under the standard homeowner’s or renter’s insurance policy for jewelry?…
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Auto Insurance Buyer’s Guide
Most of us would rather go to the dentist than think about shopping for insurance. The bottom line, is that Texas requires that all drivers carry car insurance. Therefore, if you are spending your money on auto insurance why not make sure you have adequate coverage?
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Homeowner’s Insurance Buyer’s Guide
Homeowners Insurance Buyer’s Guide You may be surprised to learn that not all homeowner’s insurance policies are the same, especially in Texas. In this article I will explain the coverage…
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