Unlock the Secrets to Safe Night Driving! Dive into the Dark with Confidence with These 10 Expert Tips from Your Local Insurance Expert. Nighttime Navigation Has Never Been This Illuminating!
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**Lentil Soup with Butternut Squash and Kale by Skinnytaste.com **Featured partner: Premier Inspections www.Premier-Inspections.com **Getting your home ready for COLD weather **Is your rental car covered under insurance?? Yes and No. Read on to know why:
Yes, your rental car is covered by insurance if you have elected the rental car endorsement, and you are in a covered accident. You also have to have comprehensive and collision coverage on your policy for rental car coverage to be added. With a liability only policy, rental car coverage is not an option. If someone else is at fault in an accident, and they have proper insurance, then their carrier should provide you a rental car. No, rental car coverage is not provided for things like normal wear and tear, or routine maintenance on your vehicle. If you have to put your car in the shop for a repair, rental car coverage would not be provided. Rental car coverage is also not provided for recreational rentals, such as a weekend get away rental. You would not be able to use your insurance coverage for something like that. 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…
www.CorinInsurance.com 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! www.CorinInsurance.com |
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April 2024
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