Finding the right insurance policy for you and your family can be confusing, but it doesn’t have to be! There are a lot of options in Texas to insure your home. While it is your responsibility to ensure that your home is properly insured, your family of agents at Corin Insurance Group will walk you through the different options so you can make educated choices to protect your home and family. Texas companies use both the national policy forms such as the common HO3 as well as Texas specific forms HOA, HOA+, and HOB. Let’s compare the common policy forms in Texas (listed in order from least broad coverage, to the broadest coverage available): HOA (Named Perils) HOA is the most basic type of Texan homeowners insurance policy. HOA policies offer actual cash value coverage only, meaning settlements for damaged property are depreciated according to the item’s age and condition at the time of loss. The HOA policy is limited to these 8 specific Named Perils: 1. Fire or lightning 2. Sudden and Accidental Damage from Smoke 3. Windstorm or hail (does not cover wind driven rain) 4. Explosion 5. Aircraft and Vehicles (not caused by insured or resident) 6. Vandalism or malicious mischief 7. Riot or civil commotion 8. Theft (restrictions apply if off premises) HOA+ (Expanded version of HOA) The HOA+ Home Policy provides broader coverage than the HOA policy, but is still limited to the Named Perils listed in the policy. Loss settlements are typically replacement cost for the dwelling, and replacement cost coverage for the contents can be added. The forms are company specific, but we have included the common perils listed below: 1. Falling objects 2. Weight of ice, snow, or sleet 3. Sudden & Accidental discharge/overflow of water or steam 4. Sudden & Accidental tearing apart, cracking, burning or bulging of steam or water from water heating system 5. Falling trees or limbs. HO3 (National form Open Peril) The HO3 is the most common policy form in the US, and provides coverage for your home on an Open Perils basis, with Named Peril coverage for your contents. Unlike the Named Peril policy forms, the Open Perils policy forms provide coverage for all sudden and accidental damage except the items specifically excluded, or otherwise limited. Notable exclusions are limited water discharge (no seepage or leakage or water back up), flood, and earth movement. HOB (Texas form Open Peril) The HOB is similar to the HO3 policy, as it also provides coverage for your home on an Open Perils basis; however it provides additional water damage protection that an HO3 does not provide. While this policy form has declined in popularity with companies, as many companies have opted to provide the less broad HO3 form. When available, the HOB policy form provides excellent value for the coverage being provided. As you can see, there are many options to consider when choosing protection for your home. At Corin Insurance, we view you as family, and we want to give our families what they need to protect their most valuable assets. Contact us for a policy review today!
It is officially FALL y’all!
It’s so nice to keep kids busy these days without phones and electronics. Most of my greatest memories are doing all sorts of DIY crafts at my Nanny’s house and that is probably why to this day I still love crafts and when I actually get to sit and do some DIY it is like a break from the world!
Check out these crafts for your kiddos!
What a fun hand tree!!!
This one might get a little messy but nothing a table cloth for the dollar tree can’t cover!
Paint your kiddos arm and hand, quickly press down on the paper (once this is done you can immediately wash the arm and hand off)
Now let the real fun begin!
Lay out the red, yellow and orange paints. Dip each finger into the colors and make fun fall leaves all over!
Allow time for adequate drying!
Try using double sided magnets to hang on the fridge easily.
TAlso try the fun plates!
-For this kid, friendly craft all you need for colored plates. You can usually find these at the dollar store or at your local grocery store in the isle with regular paper plates.
Start by drawing an outline of the pieces you need to cut out: bat wings and ears, Frankenstein’s hair and screws, pumpkins teeth and stem.
Once you have all the pieces traced, let the kids cut them out or glue them on after you have cut them out. (If you let the kiddos cut make sure you use safety scissors 😊)
After all the paper pieces are glued on, add your fun googly eyes!
If you want to hang these up you can use double sided tape, add a small ribbon to make a little loop in the back, or even use magnets to place them on the fridge!
I read on www.consumerreports.org that According to the U.S. Bureau of Labor Statistics, car insurance rates rose more than 5% in the past year. Lower gas means more driving, which means more claims and more costs for the insurance companies.
Here are a few ways to help with that…
According to the Texas Department of Transportation, there is a reportable crash in Texas every 71 seconds. With that being said, it is important to know what to do after an accident!
If you have questions, we are here to help!
Corin Insurance Group is starting the 12 Months of Hope Campaign!
We are donating to the Community Storehouse in Keller for each referral that you send to our office to get a quote!
It is so easy, and costs you nothing to help donate to a worthy cause.
The Community Storehouse has so many programs that help families right in your community! They do amazing work and we want to help!
All you have to do is have your friends and family give us a call or email us for a quote, and that is it!
Help us give back!
Corin Insurance Group, LLC
"Where you're not just a policy, you're a person..."
Corin Insurance Group's mission is to provide superior customer service, quality insurance and education with a smile!
We love what we do, and have a passion for helping people.
The reason that Corin Insurance formed was to be able to help people with their insurance, and make it easy.
We want our customers to feel like they are family, because Corin Insurance is a family. We strive to take the time to educate our customers, provide them with what they need to protect their families and assets.
Corin Insurance knows how important quality insurance is, and what an asset it can be, and that is why we are here.
Please let us know anytime we can do anything! We are here to help you!
Corin Insurance Group, LLC
"Where you're not just a policy, you're a person..."
Hail can be scary! It is loud and sounds like someone is hammering nails into your roof or car.
Here are a few things to keep you and your family safe until it passes:
If you are driving:
1. Stay in your car! You might want to get out and run, but don't do that, it can cause injury since some hail is large and falls fast.
2. Try to pull over under a bridge or somewhere safe as quickly as you can. If there is nowhere safe to pull in, pull over and stop the car. Avoid ditches.
3. Keep your car positioned where the hail hits the front of the car. Front windshields are reinforced, where since and back windows are more likely to break.
4. Lie down and cover yourself with a blanket if possible, keeping your back to the windows.
Stay calm, it will pass soon!
If you have comprehensive coverage on your car insurance, it should cover the hail damage. Call your insurance agent and they will help guide you on what to do next!
Corin Insurance Group, LLC.....Where you're not just a policy, you're a person...
With this beautiful weather we have been having, it is bound to make you want to get outside and get ready for spring!
It is important to protect our homes and our families. Here are 5 small things we don't think about, but need to check on every once and a while.
1. Check all smoke and carbon monoxide detectors. If the batteries are out, they aren't any good!
2. Get motion detector lights outside. These are great for deterring a burglar that comes up on the side or or back of your house. There are many cost effective, easy ways to DIY these too!
3. Check all window and door locks. I know we dont always open the windows, or some doors, so it is good to check them all and make sure they are working and still locked.
4. Don't post family vacations until you get home. With all the social media, it is hard to not share your excitement with everyone, but this is a great way for burglars to target your home knowing it will be vacant while you are gone. A break in can result in a claim on your home insurance, and higher insurance rates. If you are close with your neighbors, ask them to watch your house while you are away, but don't share your trip on social media until you get back!
5. Consider getting a PO Box. With your home mailbox accessible to anyone, it is a good idea to get a PO box for all important documents to go to. This keeps minimal mail coming to the house with personal information and will help prevent identity theft. This is also something that can result in a claim on your home insurance, and will help prevent that!
These are just a few spring home safety tips...stay tuned for more!
Corin Insurance Group, LLC....where you're not just a policy, you're a person...
Welcome to our new insurance agency blog!
This is our very first post. We're not quite sure what we're going to write about here, but the plan is to create helpful content for customers and prospective clients about information that is relevant to you.
We hope you'll come to view this as a top resource for keeping your family and your finances safe.
Here are a few of the topics we may be writing about: