The Insurance Family Blog

Are You Smart with Your Smartphone?

Posted by Diana Scherff on November 13, 2015 at 3:59 PM

A Dallas insurance professional was recently mugged in broad daylight at a Dallas Area Rapid Transit station. As he was checking his iPhone for messages, two teenagers ran up to him, grabbed his brand-new phone, knocked him over, and sprinted away. He had 12 stitches on his face and 7 on his arm. His knee was also severely bruised. A Dallas police officer told him that they field 2-3 incidents like this per day.

A 48-year-old Dallas woman was looking at her cell phone as she began to cross the street a couple of

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Topics: Personal Umbrella, Personal Property Insurance, Personal Liability, Identity Theft Insurance

Does Your Hobby or Home Business Require Extra Insurance?– Part One

Posted by Susie Scherff on November 7, 2011 at 10:01 AM

(Please also see our blog post Part 2 for this same topic.)

Did you know that your hobby may significantly affect your personal insurance needs? Hobbies often require a large investment in tangible property and may even create some legal responsibility to other persons or their property. 

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Topics: Insurance, Property Insurance, Personal Umbrella, Personal Property Insurance

Which Homeowners Policy is Right for Me?

Posted by Susie Scherff on October 31, 2011 at 11:05 AM

If you own a home, you’ll want to think about the best way to insure it. One goal is to match your needs to the right company. Some companies like new, high-valued homes while some companies do well with older or historic preservation homes. Others are comfortable with country homes or old farm homes. It pays to shop around, both for the best coverage and for a company that likes your type of home.

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Topics: Home Insurance, Homeowners Insurance, Personal Property Insurance, Condominium Insurance, Fire Insurance, dwelling fire policy, Personal Liability, Insurance Policy Types, Homeowners Coverages

10 Important Homeowners Insurance Limitations

Posted by Susie Scherff on January 23, 2011 at 8:59 PM

When most people purchase a homeowners policy the main conversation with their agent is around their dwelling limit.  How much should I insure my home for?  There typically is not much discussion about your personal property because it is included on your policy for a percentage of your dwelling limit - usually 50-75%.  For example, if you insure your home for $300,000, your personal property limit will be $150,000 to $225,000.  But what does this include or not include?  If you do not know the answer to that you may be very disappointed if you have a claim.

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Topics: Homeowners Insurance, Personal Property Insurance