Homeowners Insurance | Dagley Insurance Blog

Posts Tagged ‘homeowners insurance’

How to Keep Your Family & Property Safe with the Perfect BBQ

Jun 17th, 11 / 0 Comments

With summer in full swing and 4^th of July just a few weeks away it’s time to get serious about your summer barbeque plans! Whether your summer festivities evolve into a more elaborate affair or are a simple, laid-back cookout, it’s important that you make safety a top priority.

From the transportation of your food, protecting the little ones running around the grill and safeguarding your home against an unfortunate summer accident, there’s a lot you need to consider. Take a look at our tips for planning a safe, fun Texas summer BBQ:

Accurately store your foods. Keep your food in a cooler that can maintain a temperature of at 40 degrees Fahrenheit. Try to separate your drinks into a separate cooler since it will continuously be opened and closed more often.
Never leave your grill unattended. Keep children and pets away from the grill area. Your grill, if possible, should always be placed well away from your home, deck railing and away from overhanging branches or nearby shrubbery.
Keep your grill clean by removing grease build up from the grill itself and the trays below.
Using a charcoal grill? When you’re finished grilling, let the coals cool completely before disposing in a metal container.

Did you know that on average annually gas grills have been involved in 6,200 home fires, and charcoal grills have been associated with 1,300 home damages? Besides taking proactive safety measures the day of your big BBQ, make sure you have protected your home with comprehensive, effective home insurance, Katy TX and residents all across our great state, can count on Dagley Insurance and Financial Services to find the perfect policy for you and your unique home!

Have further questions about your homeowners policy and what it does or does not cover? Visit our Virtual Insurance Office to learn more!

Home Insurance, Homeowner Insurance, Katy, Texas, Tips

Multi-Million-Dollar Homes Prove to be a Popular Destination in Texas

Nov 3rd, 10 / 0 Comments

Thanks to beautiful autumn weather and record-breaking crowds, officials at the Greater Fort Worth Builders Association (GFWBA) extended the 2010 Kaleidoscope of Homes: Luxury Home Show another week; allowing for more opportunity to grab a sneak peek inside luxury multi-million dollar Texas homes through this Sunday, November 7^th.

via Texas Luxury Home Show

The show’s first three weeks drew in an estimated 20,000 people with an interest in browsing the architecture and immersing themselves in Texas-style homeowner culture. “Over-the-top luxury, strong media coverage and enthusiastic word of mouth were the ingredients for success,” stated Carey Clarke, chairman of the Kaleidoscope committee, in a recent post from PRWeb. “Many people toured the homes more than once. There’s a lot to see with four estate-sized homes– authentic European architecture, stunning décor, unique lifestyle features and new technology”.

Together the homes have a combined total value of $12 million and are furnished with roughly $1.4 million worth of furnishings, draperies and accessories– each representing an exquisite piece of Texas property in need of protection. Owning a property such as this, or any residential property of that matter, requires efficient, reliable Texas home insurance.

Whether you reside in a custom, luxury property or a cozy home you call your own, don’t be left uninsured. All properties are worthy protecting. Visit Dagley Insurance’s Virtual Insurance Office to access Texas home insurance quotes or call one of our agents (888.840.7995) to review your coverage.

Dagley Insurance, Home Insurance, Home Inventory, Homeowner Insurance, Insurance Companies, Texas

What’s the difference between First Time Homeowners Insurance and a Regular Home Insurance?

Sep 17th, 10 / 0 Comments

Being a first time homebuyer presents its own set of challenges and risks that are separate from a homeowner who’s lived under the same roof for five years. Understanding these differences can mean the difference between over-paying for coverage you don’t need and getting an insurance policy that covers the biggest investment in your life.

To be clear, home insurance in Texas and Colorado isn’t mandatory. However, many Texas and Colorado mortgage companies require homeowners to purchase insurance as part of their financial agreement. For a first-time homebuyer, this can be an arduous task. From researching supplemental coverage to determining potential liabilities and assessing risks your home could face from natural disasters, there’s a lot to consider.

In general, a Texas and Colorado homeowners insurance policy will cover:

The structure of your home
Replacement costs
Personal possessions (up to a set limit)
Living expenses in case of a disaster
Liability

First-time homeowners have a few extra considerations when considering policy options. The key features for new homeowners insurance include the following:

Dwelling Replacement Costs
Content Coverage
Accidental Water Leakage & Seepage
Identity Theft Coverage
Foundation Coverage

Another nice option is bundling insurance policies together to earn a discount. Whether it’s traditional auto and personal property insurance or supplemental umbrella and flood insurance, when you shop for insurance all in one place, you generally pay less than buying from several different carriers. And because Dagley accepts quotes from several different carriers, you’ll always get the most competitively priced policy available.

For more information to help you as a first-time homeowner, check out MSN.com’s, 7 Tips for First Time Homebuyers.

Colorado, Dagley Insurance, Homeowner Insurance, Insurance Companies, Resources, Texas

Texas Homeowners Insurance a Hot Topic in Governor’s Race

Aug 31st, 10 / 1 Comment

The current file-and-use system for determining Texas homeowners insurance rates is becoming a hot-button issue in the race for governor as candidates debate the merits of an old system and the potential for a new one.

To the consumer, insurance rate filing may seem like a lot of confusion, but the long-term effects are important for both insurance companies operating in the state of Texas and for homeowners who may be susceptible to over-charges.

Summarizing both sides arguments is National Underwriter (NU), a magazine focused on the insurance industry. In describing why he’d institute a system where insurance companies to prove why rate increases are necessary, Bill White, gubernatorial candidate and current Mayor of Houston said, “This is a common-sense approach that’s worked in states all over the country,” before accusing current governor Rick Perry of failing to reduce Texas homeowners insurance.

On the other side, representatives from Texas Governor Rick Perry’s campaign seem to think differently claiming MORE insurance regulation is the wrong path to follow. Echoing these sentiments is Southwestern Insurance Information Service (SIIS) spokeswoman Sandra Helin, who contends, “Increasing regulation would discourage companies from writing in Texas and decrease availability.”

We’re all for transparency and a competitive environment where prices are fair and consumers are the ultimate winners, so we’re following this story closely and will keep you up to date on any changes to the current system for determining Texas homeowners insurance rates.

Community Relations, Dagley Insurance, Educational, Homeowner Insurance, Resources, Texas, Uncategorized

Party Time Becomes Liability Time when Minors are Served Alcohol

Jul 29th, 10 / 1 Comment

Let’s paint a hypothetical, but realistic scenario. Summer is in full swing, your daughter is turning 21 and she wants to host a barbecue at the house to celebrate with childhood friends while home from college. While mostly responsible, some of her friends are a few months away from reaching the legal drinking age, but being a cool parent, you decide to host the party and even supply some beer and margaritas to help her enjoy the newfound freedom.

You’ve always taken underage drinking seriously, and know many of the other parents in your community do to. So how do you handle the underage crowd? You could card everyone at the door and give bracelets or stamps to those who are of age. You could take car keys away and allow everyone to drink if they don’t drive. You could turn a blind eye and assume the kids will be just as responsible now as they will be in two months and trust them to make sound judgments.

While it might not make you cool, keeping the underage crowd sober makes good financial and legal sense. According to a Waco Tribune article, quoting Lt. Tom Dickson of the Texas Alcoholic Beverage Commission:

“People who have parties at home, or so-called social hosts, make up the bulk of those charged with giving alcohol to minors… People often think they won’t get caught. But charges could easily be triggered by a neighbor reporting the party or a guest getting in trouble on the way home.”

Even as responsible parents, it’s impossible to keep tabs on everyone at all times, so the second best thing beyond a bouncer-like bracelet system is covering your liability for worst case scenarios. According to the article, most Texas homeowners insurance policies include $100,000 worth of liability which can be increased to $500,000 for about an extra $15 to $20 per year.

The coverage would be available for defense fees and or court judgments that arise from a minor or other inebriated party-goer causing a lawsuit that traces back to the place where they were served.

Umbrella insurance is another option and ideal for people with a pool or trampoline, major injury risk in their own right, since it can cover much higher amounts of liability.

The ability to drink legally is a benchmark for, many young men and women, so no matter what insurance you choose, we encourage you to teach responsibility and not enable under-aged drinking under any circumstances.

Dagley Insurance, Educational, Homeowner Insurance, Insurance Companies, Resources, Texas

Dagley Insurance Blog

Our Social Networks

Tag Cloud

Recent Entries

Categories:

Posts Tagged ‘homeowners insurance’

How to Keep Your Family & Property Safe with the Perfect BBQ

Multi-Million-Dollar Homes Prove to be a Popular Destination in Texas

What’s the difference between First Time Homeowners Insurance and a Regular Home Insurance?

Texas Homeowners Insurance a Hot Topic in Governor’s Race

Party Time Becomes Liability Time when Minors are Served Alcohol

Our Blog:

Like Us On Facebook!

Texas News

Insurance News

Blogroll

Encompass Lending blog

Directories

Katy Times

Texas Headlines