October 21, 2024
lonestarinsHow Age and Annual Mileage Impact Your Insurance Costs
When it comes to car insurance costs, two significant factors that influence your premium are your age and the number of miles you drive annually. Understanding how these elements affect your insurance cost can help you make informed decisions and potentially save money. Age and Insurance Costs Age is a critical determinant in calculating car […]
September 23, 2024
lonestarinsSafety First – Fall Decorating
As fall and Halloween approach, decorating your home can be fun, but it’s important to keep safety in mind. Here are some easy tips to help you decorate safely: Use Safe Materials When picking decorations, make sure they’re fire-resistant, especially if they’ll be near candles or lights. Instead of real candles, use battery-operated ones to […]
September 10, 2024
lonestarinsSchool is in Full Swing
Adjusting to the back-to-school season can be challenging for families, but with a little preparation, the transition can be smoother for everyone. As summer draws to a close, it’s important to ease into a routine that mimics the school day. Start by adjusting bedtime and wake-up schedules a week or two before school begins. This […]
August 29, 2024
lonestarinsHow to Have the Least Exclusions in Your Insurance
Insurance is a crucial tool for managing risk and protecting against unforeseen events. However, not all situations are covered by every insurance policy. This is where exclusions may need to be understood and considered. Understanding exclusions and how to limit them can be vital to ensuring the effectiveness of your coverage. What Is an Exclusion? […]
July 12, 2024
AgencySummer Claims and Tips
Summer is a time for outdoor fun, but it also brings specific risks that can lead to insurance claims. Understanding common summer insurance claims and policies, along with prevention tips, can help financially safeguard you and your family. Whether you’re firing up the grill, hitting the road or enjoying time by the pool, understanding potential […]
June 28, 2024
lonestarinsFactors That Affect Automobile Insurance Costs
Automobile insurance costs are a significant consideration for any driver. Whether you’re a seasoned driver or a newbie behind the wheel, understanding what influences these costs can help you make informed decisions and potentially save money in the long run. These factors typically impact how much you’ll pay for car insurance: Driving record—If you have […]
May 27, 2024
AgencyWhat is Other Structures Coverage for Homeowners?
Homeownership comes with the responsibility of financially safeguarding not just your main dwelling but other structures present on the property. Other structures coverage, an often overlooked yet vital component of homeowners insurance, offers this necessary financial protection. Understanding its importance can be critical to comprehensive home insurance planning. What is Other Structures Coverage? Other structures […]
April 19, 2024
lonestarinsFrequently Asked Renters Insurance Questions
In the world of insurance, renters insurance often flies under the radar compared to its homeowner counterpart. However, it’s a vital protection for those who lease their living spaces. Whether you’re a first-time renter or a seasoned tenant, understanding renters insurance is crucial. To shed light on this topic, let’s delve into some frequently asked […]
March 18, 2024
lonestarinsNavigating Roof Insurance
Understanding ACV vs. Replacement Cost When you’re getting home insurance, it’s super important to know about your roof coverage. There are two main types: Actual Cash Value (ACV) and Replacement Cost. They can really affect what you pay and how you’re covered if your roof gets damaged. Let’s break down what these terms mean for […]
February 19, 2024
lonestarinsFactors Influencing Home Insurance Premiums
Maintaining adequate home insurance is a critical part of being a responsible homeowner. These policies provide versatile and robust financial protection for you, your family and your home, and may make all the difference in limiting out-of-pocket losses. However, while home insurance can offer essential financial security, coverage requires you to invest your hard-earned dollars. […]