Is It Time For An Insurance Check-Up?

Your insurance needs change over time, so it is important to review your policies periodically to make sure they are up-to-date. Tragically, many people are not insured after devastating natural disasters. It’s never too late to do a homeowner’s insurance checkup before the next threat heads your way. This article highlights some important insurance coverage you should consider such as:

Earthquake Insurance

Flood Insurance

Wind Insurance

Steps To Help Secure The Right Coverage

Make sure your homes information is up to date. Your agent should shave to right square footage and replacement value.

Research the replacement cost for new construction in your area.

Have our agency provide you with coverage options for competitive insurance products.

Consider getting a “floater” to your home insurance policy. If you own valuable furs, jewelry, guns, collections, silverware, or artwork, a “floater” can cover the full value of those items. Consider adding building code or ordinance or law endorsement, which will help pay the higher cost of bringing plumbing, wiring, or other key systems up to current codes when rebuilding.

Holiday Shopping Safety

Personal Insurance and Safety Update

Halloween is over and that means we are in the middle of the holiday season.  During the next 60 days, we will all be busy shopping, eating out, and traveling.  Thieves know that the police are overloaded during the holiday season, and they take full advantage it.  Burglars know that there are many expensive items in homes and cars during the holidays.

Your home or renter’s insurance will provide coverage for theft or loss if you have the coverage. Now would be a good time to call us for a free personal insurance review. Whether you are holiday shopping at the mall, online, or a little of both, keeping yourself and your personal information safe is important.  Here are a few holiday shopping safety tips:

Holiday Shopping Safety

Always be aware of your surroundings.

Lock your shopping bags in your trunk.

Never allow children to make unaccompanied trips to the restroom.

Never leave car doors unlocked or windows open.

Always park in lighted areas. DO NOT park in remote areas.

Shop with a friend.

Teach your child to go to a store clerk and ask for help in case your child is separated from you.

Avoid wearing expensive jewelry.

Keep receipts in your wallet or purse.

Avoid carrying large amounts of cash.

As you return to your car, make sure to keep your car key in your hand.

We Know Risk

At Davidson Stewart Morelock Insurance, our products are as unique as our clients and our insurance expertise allows us to match the products you need with your budget.

With unmatched insurance expertise, you can’t go wrong working with our agents to guide you to the perfect insurance solution.

Whether you need insurance for your car, home, business, hobbies or, just about anything in the Dallas Metroplex, Davidson Stewart Morelock Insurance has you covered.

Personal Insurance

Headquartered in Dallas, Texas, Davidson Stewart Morelock Insurance has built a diverse network of the most trusted, nationally recognized insurance providers to offer customers the highest quality insurance policies at the best rates possible.

From auto, home, life and health to commercial, agribusiness and contractor insurance services, the experienced agents at Davidson Stewart Morelock Insurance understand the unique insurance needs of the Dallas Metroplex.

Please call our experienced Trusted Choice insurance agents today at 214.217.9277, or click here to start your free online insurance quote request.

Prom and Graduation Safety

This is the time of year when graduation parties and proms are in full swing. We congratulate all graduates on a job well done. High school is full of defining moments for Bay Area teens and two of the highlights for most are prom and graduation. We want your celebration to be a happy and safe one, so here are a few tips.

However, this time of year often sees other, more tragic defining moments – serious car accidents involving teens who are distracted or even under the influence of alcohol or drugs.

First, encourage your teen to follow these general safe-driving rules:

Absolutely no alcohol

Always use seat belts

No cell phone use (including texting) while driving

Special circumstances

 Of course, special events such as prom and graduation often present special circumstances. There may be dinner with dates before the dance and parties before or after either event. It’s a good idea to discuss your expectations well before each event, putting some guidelines into place before your teen heads out for the night. Here are some ideas:

Make sure you know the itinerary of the evening, as well as who else will be with your teen. You should have contact information for everyone.

Have a way to contact your teen at all times. You may want to require them to check in with you once or twice over the course of the evening.

Set a curfew, whether they are coming back to your home or staying with a friend. If they are staying elsewhere, make sure the curfew will be enforced by a responsible adult.

Discuss with your teen how to handle difficult situations, such as facing pressure to drink, or accepting a ride with someone who shouldn’t be driving. It’s a good idea to provide your child with money for a taxi just in case.

Offer a “no-questions-asked” ride home, should they need one during the evening.

If you’re worried about your teen driving, consider alternate transportation. A car service or limousine will provide a responsible, experienced adult driver. You also will be able to limit changes to the itinerary and contact the driver.

What Is An Insurance Review?

Every client deserves an annual insurance review. The review may take different forms depending on the individual circumstances. Georgetown Insurance Agency knows that your home is the single largest investment you may ever make. Protect your home and cherished valuables from damage and theft with our comprehensive and affordable insurance policies.

Benefits To An Insurance Review

Keeps your program up to date

Provides opportunity for feedback on services

Allows for the partnership to review goals

We take time to review key exclusions and other coverage items

You may need to modify, reduce or add coverage depending on your current situation

The review does not need to take a long time

Business Insurance Review

A business review is important because risk is constantly changing. Maybe your operations have not changed, but laws and other statutes can impact your risk and need to be addressed. Here are a few examples:

Prices change and a review can determine if you are getting competitive rates on your insurance.

Your coverage needs may have changed and your policy should reflect these changes.

There may be new insurance companies to which we have access.

Laws and regulations are changing and may require a different kind of insurance.

Personal Insurance Review

A review of your personal insurance can be completed in person, over the phone or even via email. But the important thing is that the client and agent communicate about your personal risk and what has changed. Changes in your personal situation can have an impact on your insurance needs. Examples might include:

Change in marital status

Kids headed off to college

Remodeling of your home

Purchase of expensive jewelry

How can Georgetown Insurance Agency best serve you? Call one of our experienced agents today at (512) 863-4388 and let us demonstrate our dedication to delivering the highest quality insurance policies and best customer care.

July 4th Safety Tips

 

Fireworks during the Fourth of July are as American as apple-pie, but did you know that two out of five fires reported on that day are started by fireworks, more than for any other cause? So you think it cannot happen to you? Here are a few facts:

In 2013 over 9,000 people went to the emergency room as a result of fireworks related injuries. There was an estimated 15,500 reported fires started by fireworks. These fires resulted in an estimated eight reported deaths, and $36 million in direct property damage. This is why it is a good idea to have a free home insurance review and quote, call us today!

Injuries by Fireworks Type (US department of Health & Safety)

17%: Sparklers

14%: Reloadable Shells

13%: Firecrackers

7%: Roman Candles

6%: Bottle Rockets

6%: Novelties

2%: Multiple Tubes

1%: Fountains

Fireworks Safety Tips

Buy fireworks only from licensed vendors

Never combine fireworks

Obey all local laws

Never have any portion of your body directly over a firework while lighting

Follow directions

Never relight a firework

Don’t smoke or drink while lighting fireworks

Soak used fireworks in water before placing in trash

Make sure there is parental supervision

Never experiment with homemade fireworks

Use fireworks outdoors, in a safe area away from dry grass and buildings

Keep a fire extinguisher, bucket of water, wet towels and a garden hose nearby

Light one firework at a time – then move back quickly!

Never shoot fireworks from metal or glass containers

Never carry fireworks in your pocket

Never point or throw fireworks at people or animals

Clean up all used fireworks including debris

“Fireworks and celebrations go together, especially during the Fourth of July and year end celebrations. Remember, fireworks can be dangerous, causing serious burn and eye injuries. You can help us prevent fireworks-related injuries and deaths” Consumer Products Safety Commission.

2017 Insurance Buying Tips

InsuranceNow that 2017 is here, it may be time to consider reviewing your personal insurance program. Most people don’t take time to review exposures, options, or their current economic condition before making their insurance purchase. We want to help you, so we prepared these insurance buying tips for 2017.

  1. Don’t buy insurance through the internet – Call our agency and let us provide outstanding service along with competitive pricing.
  2. Maintain good credit – Regularly check your credit score, since a low score may impact your premium.
  3. Review your auto limits – If you have limits of less than $100,000, that won’t even cover the medical bills in a serious accident. The minimum liability coverage that anyone with any assets or income to protect should be carrying is $500,000 to $1 million or more.
  4. Maintain a home inventory – Having an accurate account of your personal property can provide for greater recovery in the event of a loss.
  5. Bundle your insurance – Combine your auto, home and umbrella policies with one insurer to receive greater discounts.
  6. Set the right deductible – A higher deductible reduces your premium, but you have to pay more out of pocket in the event of an accident. If you have a good driving record and haven’t had an accident, you may want to gamble and opt for a higher premium. The reward for this risk could be up to a 40% savings.
  7. Consider Identity Theft – Identity theft is one of the fastest growing crimes in the U.S.
  8. Buy from a financially strong company – Your insurance is only as good as the company who stands behind the policy. The insurance company should have an “A+” rating or higher.
  9. Be prepared to make adjustments as your lifestyle and needs change.

Call us today and let us help protect what is important to you.

Summer Driving Safety

driving-407181_1920Auto Insurance Update

Summer has arrived and many people are hitting the road.  In the summer months driving time increases, so it is important to be a defensive driver.  In addition, in the summer, thousands of young, inexperienced drivers are on the roads, increasing the risk of accidents.  We all want to have a safe and fun-filled summer, so here are some driving safety tips to ensure that your summer is truly enjoyable.  Remember, we have access to very competitive auto rates, and we offer great service at affordable prices.

Summer Driving Safety Tips

Do not drive if you are tired.

Keep your tank full of gas.

If it just rained, the road can be slick from road oils and water.

Wear sunglasses help cut out glare.

Watch for construction zones, as roadwork increases in the summer months.

Never text and drive, and always wear your seatbelt.

Bicycles and motorcycles are sharing the roadways.  All drivers must be carefully educated to watch for, and avoid, bicyclists and motorcyclists.

Make sure your brakes are working correctly.

It is important to use your headlights in the daytime, not so much, so that you can see, but so that other cars can see you.

Check your tires, and make sure they are fully inflated.

Remember weather conditions can change quickly, so plan extra time to get where you are going.  Don’t ever assume your time on the road will be uneventful. You could be stuck in traffic for extended periods, so it is always a good idea to travel with water and some energy b

We Can Help Your Business Survive an Interruption

coffee-shop-1149155_1920 (1)A Business Insurance Update
Have you considered the cost to you if your business had to shut down for a week, month, or even longer? We have, and we can offer a few tips to help your business continue even in the midst of a shut down.
A business can be shut down for a number of reasons. Your business or commercial insurance policy will cover the cost to repair or rebuild your building, and replace business property. But are you protected if it takes time to re-open? Business Interruption Insurance keeps you financially stable during the period that you are forced to vacate. You can continue to provide your employees with pay, and manage bills during the period in which the business cannot operate.
When considering business income, you also need to determine if you have certain risks that would require specific limits within the overall coverage. If these are not managed correctly, you may suffer a loss and not have enough insurance to ensure your recovery.
Business Income Insurance
• Peak Season – If your business has seasonal income, you will want to adjust your policy accordingly. Don’t just average your income out over 12 months; that may not be adequate coverage.
• Period of Recovery – When you consider your recovery time, (the amount of time to fully resume operations) you may need to take into account any special construction needs. For example, you may have unique equipment that will take several months to design and construct. Knowing this will help you design your coverage to meet your needs.
• Payroll coverage–Under this coverage, you can select who you want to offer payroll continuation to. However, you must do this prior to the loss. You can also add categories of workers and even managers.