Posted on January 13th, 2014 by Troy Johnson

For over one hundred years, MetLife (also known as Metropolitan Life Insurance Company) has provided outstanding insurance coverage. Their superior claims service is available twenty-four hours a day, seven days a week and three hundred and sixty-five days a year.

Term life insurance is a great financial safety net for anyone to have, and MetLife offers this service to anyone who would need it. MetLife’s term life insurance will provide money that can be used for displaced income, debt, bills and more. There many different options available from MetLife, including final expense life insurance, whole life insurance and universal life insurance. You can also decide on the number of years for your policy.

For car drivers looking for an affordable and reliable auto insurance policy, MetLife is here to help. MetLife offers many different coverage possibilities for auto insurance including liability protection, collision protection, medical coverage, uninsured motorist coverage and enhance car rental coverage. To help make the auto policies more affordable, MetLife offers discounts for safe drivers, young drivers and flexible payment options. And in case of an automobile accident, MetLife’s agents will provide swift claims service.

One of the best financial decisions that a homeowner could make is to receive homeowner’s insurance. Luckily, MetLife provides some of the best home insurance needed today. The financial support provided by homeowner’s insurance could cover the cost of home repairs, home rebuilding and replacing damaged property. Thanks to MetLife, your living residence will be covered.


Woodlands Insurance Services

Posted on January 2nd, 2014 by Troy Johnson

Buying insurance in The Woodlands does not have to be complex or difficult. Choosing the right insurance service and taking a few extra steps will make certain policies provide all the coverage needed at a reasonable rate. Several tips will help when shopping for insurance.

The first tip is to make sure coverage amounts are high enough when buying insurance. It is often a good idea to look at the realistic cost of replacing or repairing items like a home or car. Some suggested homeowner’s insurance amounts are not enough to actually rebuild the entire house after a fire or other emergency. Similarly, a little extra auto insurance coverage or recreational vehicle coverage can make it much easier to deal with a serious accident or other event.

Another piece of advice is to try to lower various risk factors before applying for insurance. Homeowners can take steps like installing a security system, erecting fences around a pool and adding safety systems like sump pumps or sprinklers. Drivers can take defensive driving courses or reduce daily mileage amounts. Improving personal credit scores will also help. These factors help to reduce the amount of statistical risk so the premiums are lower for each type of insurance.

It is always best to try to bundle different types of insurance coverage when multiple policies are needed. Companies like Woodlands Insurance Services offer auto, life, recreational and home policies. The advantage of bundling these insurance services is that the overall price is normally lower. Additionally, policyholders will have a simpler time tracking bills or getting service. Combining policies through a single insurance service should be done whenever possible.

A form of insurance that many people ignore in The Woodlands is life insurance. Life insurance should not be ignored. Life insurance is a way to provide financial protection for family members and loved ones. It can make it easier to deal with expenses like a funeral or unexpected medical bills. Life insurance generally costs very little when compared to other types of policies. Anyone shopping for insurance services will want to make sure to consider life insurance since it will make estate planning and caring for beneficiaries simpler.

A final tip is to make sure to use independent insurance services in The Woodlands. Some services are specifically tied to just one or two large insurers. This will limit choice and might result in a poor policy. Going through independent services will make sure there is real competition and choice. Independent insurance services can provide the best policies and rates.


Don’t Skimp on Home Insurance Coverage

Posted on December 9th, 2013 by Troy Johnson

Home insurance coverage can be very confusing. To mold or not to mold? To flood or not to flood? But, in this post, we’re going to focus on maybe the most important part of your coverage—the amount. Finding the lowest rate sometimes coincides with whichever carrier will take you on at the least coverage. If my house would sell for $200,000, I definitely wouldn’t need more than $225,000 in coverage, right? Not necessarily.

Remember 200k is for selling a house, not building one. The cost of building materials and labor is always changing. And, if your house is old enough, they’re not going to be using remotely the same material as what your house is made from.

And, if your house is old enough, there’s a decent chance at least part of your home would be rebuilt with materials far different from what the original builder used. For example, are there specialty indoor lighting fixtures?

Also, how do you think what’s left of your old house gets cleared away? The cost of debris removal isn’t cheap.

Bottom line, you need to err on the side of too much coverage, rather than too little. Because if you were $100,000 short…then those are the breaks. One way to lower this possibility is by getting with a carrier that has full coverage that comes with a cushion (which sometimes is as much as 25%).

After all, this isn’t The Price is Right and you’re not in the Showcase Showdown. Trying to guess exactly how much home insurance you need is a game show you just can’t afford to lose!


All Risk vs. Named Peril

Posted on November 26th, 2013 by Troy Johnson

When purchasing homeowners insurance in Texas, it is important to fully understand the different types of policies, and the benefits of each. Many times homeowners purchase insurance coverage that does not give them the right amount or the right type of coverage, while others sign up for insurance policies that give them unnecessary coverage.

The two most common types of homeowners insurance include, named peril policies, and all risk policies. An all risk policy is a type of insurance coverage that is typically believed to be the most reliable form of insurance. It is the most comprehensive home insurance option because it usually covers every foreseeable and unforeseeable event possible, except for things specifically outlined in the policy. All risk insurance policies are typically more expensive due to their comprehensive coverage options.

A named peril policy is a type of insurance policy that only gives you insurance coverage against accidents and events that are specifically listed in the policy. The accidents/events listed in the policy are known as “perils”.  This policy does not provide the same all encompassing coverage as an all risk policy, but it is sometimes the most practical option for individuals who don’t need the all perils coverage. Homeowners can specifically identify what they would like to be protected against and not have to pay for coverage that they don’t necessarily need.

Understanding the differences in the types of homeowner’s insurance policies is essential to ensuring that you choose the policy that is best for you. In some cases, it could be beneficial for one homeowner to purchase a certain type of insurance, while it would be completely unreasonable for another homeowner to get the same policy. It is important to understand that each situation is different, and the most important thing is making sure that you and your family’s home is protected in the event of an accident or event.

At the end of the day, you should sit down and thoroughly analyze your insurance options, and make the best decision based on your circumstances. After reviewing your options, a decision should be made based on what is practical and affordable. However, you should keep in mind that while valuing a home can sometimes be simple, it is impossible to put a value on peace of mind.


Car Insurance In Texas Goes Electronic

Posted on October 30th, 2013 by Troy Johnson

In Texas, drivers now have the ability to access their insurance cards online using hand held devices. These hand held devices can now be used to legally show proof of insurance to police officers.

In a program called TexasSure, car insurance companies in Texas are now required to upload their information on a secure website that will allow insurance holders to quickly access their auto insurance information. This will eliminate the need for paper copies of insurance information, and will make the relationship between insurance companies and consumers an overall simpler and smoother process.

Often times, individuals will forget to put the paper version of their insurance card in their car or wallet. However, it is a rare occasion when an individual is traveling without their cell phone. By having the ability to display their proof of insurance using an electronic device, individuals will be less likely to be fined or ticketed for not having proof of insurance.

This will also be helpful in the event of a car accident. Drivers can exchange insurance information quickly, without having to go into the glove compartment of a wrecked vehicle to retrieve their paper insurance card.

Not only will the program benefit the consumer, it will benefit insurance companies and law enforcement as well. In the past, it was common for individuals to sign up for insurance, only to cancel the coverage plan soon after receiving their insurance cards. This would sometimes make it difficult for law enforcement to determine who had legitimate insurance and who didn’t.


Cypress Texas Lloyds

Posted on September 27th, 2013 by Troy Johnson

Cypress Texas Lloyds is a proven insurance company that is among the carriers Hometown Insurance Partners represents. As an upstanding insurance company that has been providing quality insurance coverage in Texas for over 10 years, they pride themselves on offering a great product at an affordable price.  They offer contractor liability, renters insurance, as well as insurance for the home or condominium.

The agents at Cypress Texas Lloyds have a deep understanding of the insurance products they sell. This allows them to analyze your situation, and provide you with the coverage option that best fit your specific needs. They will work hard to deliver a product to you that will adequately protect you and your family for years to come.

Cypress Texas Lloyds understands that your home or condo is usually your most valued possession. Therefore, they make it a priority to ensure that you receive a customized policy that meets your needs and fits within your budget.

The list of available items that can be insured under a home or condominium insurance policy with Cypress Texas Lloyds include:

•    The home itself
•    The contents inside the home
•    Decks or garages that are attached to the home
•    Relocation expenses in case a disaster destroys your home
•    Payment of medical bills in case a guest is injured while at your home

This insurance company also provides general liability coverage for contractors. With the realistic possibility of unpreventable accidents occurring on the job site, it is important to protect your contracting company against the pitfalls of these hazards. Cypress Texas Lloyds commonly provides commercial general liability insurance for the following types of business:

•    Work dealing with electricity
•    Painting
•    Drywall
•    Window cleaning
•    Carpentry
•    Custodial services
•    Landscaping
•    A/C installation or repair
•    Carpet, tile, or marble companies

By consistently delivering quality insurance coverage, Cypress Texas Lloyds has established a reputation for being an insurance company that is dedicated to providing its clients with products that are well above the industry standard. The agents at this insurance company devote the necessary time to get to know each client. This helps them fully understand the needs and desires of the client, and ensures that each client receives long-term satisfaction.