Additional Insurance

Church and non-profit organizations have very unique needs and risks from an insurance standpoint and they require insurance solutions that are more complex than standard commercial insurance. We have 4 commercial lines employees with a total of 70 years of experience working with churches and non-profits. We insure over 30 churches, from $1,000 in premium to over $80,000, in the…

Personal Umbrella policies provide additional liability coverage for an individual or family. Usually in increments of $1 million, these policies are accessed only after an underlying insurance policy has been “maxed out”. For example, if you are at fault in an auto accident and you lose a lawsuit for $1 million, your auto policy would pay the first $300,000 and…

Term life insurance policies provide funding at death to pay off a mortgage, income replacement for a spouse, to repay loans or for college expenses. In making an insurance need analysis, we often forget or underestimate the dollar value of work done in the home by both husband and wife. Life insurance proceeds also provide cash to pay estate obligations…

In the state of Texas , there are big differences between policies for an owner-occupied house and a tenant-occupied house. If you move and decide to keep your old house for rental income, you will need to change your insurance policy to a tenant-occupied policy. A tenant-occupied home insurance policy is called a TDP or Dwelling/Fire insurance. The following key…

Homeowners insurance policies do NOT cover flood damage. Flood insurance provides coverage for "rising water" that enters your home from the outside. Flood insurance is an important extra level of protection in the event of unforeseen situations. We recommend all our customers to obtain flood insurance. Did You Know? Over 30% of all recent flooding events have occurred in non-High…