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Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

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Hal Rice Insurance Agency Blog Page 34

View the latest blog posts from Hal Rice Insurance Agency.

Thursday, September 27, 2018

What Are Auto Insurance Risk Indicators?

You need auto insurance. You turn to a car insurance provider for a quote. The insurer pulls a credit report to determine if they should offer a policy to you. How will this change what you pay for your coverage? The insurer is looking at risk indicators. Each insurer sets indicators of risk based on factors like your credit report. READ MORE >>

Thursday, September 20, 2018

New Smart Home Features Be Sure Your Policy Reflects Their Added Value

Smart homes are growing in popularity. And, why not? They let you control your home from a distance. This empowers you to create a home fitting to your specific needs. But, they add valuable assets to your home. They also can add value to the property. How will this impact your insurance coverage? READ MORE >>

Tuesday, September 18, 2018

Do Auto Insurance Companies Have Access to Credit Information?

You know how important it is to protect your credit information. You may work hard to keep your score as high as possible. Why do auto insurance companies need this information? Many people do not know their insurer is using this information. Most often, insurers use this information to make key decisions about the type of coverage they will provide to you. READ MORE >>

Thursday, September 13, 2018

Why Replacement Cost Coverage Is Best for Antiques

As you choose your options for insuring valuables, consider both replacement cost and actual cash value coverage. Both options can offer some coverage to your belongings. However, the type of coverage matters significantly. When selecting home insurance to cover these items, you need to consider these details very carefully. READ MORE >>

Wednesday, September 12, 2018

Insurance After a Dog Bite Occurs

You love your pet. You do all you can to keep your pet safe. But, dogs are animals. You cannot predict all instances of their behavior. When a dog bites a person, your home insurance may cover your losses. However, the insurer may also require the removal of the dog from the home or cancel the policy. READ MORE >>

Thursday, September 6, 2018

How Does Your Home Insurance Policy Cover Break Ins?

A break-in is a tragic, terrifying experience. Even if you are not home, it can make it very difficult for you to feel comfortable and safe. Your home insurance policy is there to help you with some or all of the financial loss. Let's explore these ideas a little more closely. READ MORE >>

Tuesday, September 4, 2018

5 Factors That Can Cause Your Premium to Change

A premium for auto insurance is the cost you pay for it. What you pay depends on a variety of factors. What are some of these? Sometimes, what you pay can change due to the actions you take. It is always essential to work closely with your car insurance agent to know when this can happen. READ MORE >>

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Friday, August 31, 2018

Use an Air Conditioner Float Switch To Prevent Overflow Damage

Have you ever had water coming through your ceiling from the attic due to the drain pan overflowing? It can be a nightmare to repair the damage! Air conditioner float switches are used to protect against one of the most destructive things that your AC system can cause: an overflow. READ MORE >>

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Tuesday, August 28, 2018

Your AC has Stopped Working: Do you Have a Home Warranty?

With the almost unbearable Texas heat wave that we have had for quite awhile, our air conditioning units almost can't keep up. What do you do when you wake up and realize that the air conditioning isn't working? You immediately think of dollar signs and all the money you could lose. READ MORE >>

Thursday, August 23, 2018

You Swerve to Avoid a Deer and Hit Someone Else: Who Is at Risk?

Deer-related car accidents are not uncommon. In some areas, they are on the rise. Impacts with a deer can cause a significant amount of damage. They can also be life-threatening. If you swerve to avoid a deer, though, you are at a higher risk for hitting another person or car. If you do this, who is at fault? READ MORE >>

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