Why You Need a Home Inventory
Why You Need a Home Inventory (And How to Create One) The Critical Importance of Documentation Before Disaster Strikes When disaster strikes—whether it’s a house fire, tornado, burglary, or flood—the…
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Preparing your Home for Spring and Summer
Preparing Your North Texas Home for Spring and Summer. As spring emerges across North Texas, now is the time to prepare your home for the spring and summer months ahead.…
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Personal Injury
Personal Injury What is Personal Injury Coverage? Personal Injury is a legal term that refers to inflicting harm on a person, including physical, mental, or emotional, caused intentionally or by…
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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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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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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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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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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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Fireworks and Home Insurance Tips
Fireworks and Home Insurance Tips Celebrate Safely Fireworks are an integral part of many celebrations and can add sparkle and excitement to any special occasion….
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It Just Hailed. What Do I Do?
It Just Hailed. What Do I Do? What to Do After Hail It just hailed. What do you do? Hail is always scary. Because it isn’t…
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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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What is an Umbrella Policy?
What is a Personal Umbrella Policy? The Reason for an Umbrella Policy Umbrella policies are an important tool to help protect your financial security. Unfortunately,…
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How Claims Impact Homeowner’s Insurance
How Claims Impact Homeowner’s Insurance Rates Protecting Your Home One reason we all have insurance is to protect ourselves against financial loss. Should something happen,…
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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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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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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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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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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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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…
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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.…
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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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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…
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 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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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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