3 Tips for Your First Auto Insurance Policy

Buying auto insurance for the first time in Georgetown, TX doesn’t have to be stressful or intimidating. You will realize that policies are easy to understand and affordable once you start the process. To set your mind at ease about buying your first auto insurance policy, the team at StraightEdge Insurance Agency has put together this simple list of three tips to help you get started stress-free.

1. Work with a Reputable Agent

The first thing you should do is get on the phone and call a reputable insurance agent serving Georgetown, TX who will help you find the right policy. Remember, insurance agents have been doing this for a long time and have helping hundreds, if not thousands, of customers every year. They are skilled at helping you find the right policy for exactly what you need and for a price you like.

2. Compare Several Quotes

The insurance agent you choose to work with will ask you a few questions to pinpoint which auto insurance quotes to review and compare. From here, go over each quote in detail so you understand the differences in cost and coverage. There’s no hurry to make a decision, however. Take as much time as you need. 

3. Bundle Your Policies

Bundling your insurance policies under one carrier is an easy way to save on your premiums. Bundle your life, auto, and home, for example, under your current insurance company or switch to a new one. Your reputable insurance agent can help you accomplish this. 

To learn more about buying your first auto insurance policy, contact the team at StraightEdge Insurance Agency. Our reputable agents are waiting to take your call and answer all of your questions and concerns.

What Is Umbrella Insurance?

Liability insurance is important, but many people don’t have enough of it. If you have a small amount to keep yourself legal, chances are that the cost of medical bills won’t be met by your insurance if an accident should happen. If you need more liability coverage, call us at StraightEdge Insurance Agency in Georgetown, TX to find out more. 

Umbrella Insurance Coverage 

When you have both home and auto insurance, each of these comes with its own level of liability insurance. If someone should become injured in your home or because of your vehicle, your liability insurance is what pays those bills. But, what happens when your policy has paid out all it’s going to and there are still bills to be paid? That’s where umbrella insurance enters the picture.

When your liability insurance on either your home or auto reaches its maximum payout, your umbrella insurance policy kicks in. An umbrella insurance policy is used to supplement the liability insurance that you have through both home and auto insurance. This allows even serious accidents to be paid for without you having to pay out of pocket to satisfy the medical bills. 

Liability Insurance

It’s always a good idea to have plenty of liability insurance, and getting an umbrella policy can certainly help. Liability can save your financial future, but it can also give you more peace of mind. Umbrella coverage keeps you protected from a wide range of things that can occur in your home or car, allowing you not to worry so much about accidents. 

Get Your Umbrella Insurance Policy

If you are interested in getting more liability insurance with an umbrella policy, contact us at StraightEdge Insurance Agency in Georgetown, TX to talk to an insurance agent. 

How to Choose the Right Auto Insurance

As you select your automotive insurance, it’s easy to feel overwhelmed. There are numerous decisions to be made, and it can be difficult to know that the correct answers are on your own. Georgetown, TX residents can feel more at ease when they consult with StraightEdge Insurance Agency to gain answers to the following questions: 

How Much Coverage Do You Need?
The specific amount of coverage that you’ll need will depend on numerous factors. You’ll need to consider your vehicles’ cost and age, as well as how much it will cost to replace it. In addition, you’ll need to be sure that you’re carrying enough insurance to cover your liabilities in case you’re involved in an accident. You may also want to cover insurance to protect you against underinsured or uninsured motorists. 

Set Your Deductible
You’ll also want to think about what type of deductible you’d like to have on your auto insurance policy. A high deductible may mean that you pay a lower monthly payment. On the other hand, you’ll have to pay a higher amount of money out of pocket if you’re involved in an accident. Paying higher monthly insurance premiums may make it easier to afford the bill if an accident does occur. 

What Discounts Are Offered?
It’s also important to consider what discounts are offered by your auto insurance company. Some companies offer discounts for safe driving, low mileage, good grades, and numerous other factors. Be sure to check into what may be available to you. 

As you’re shopping for auto insurance, ask your Georgetown, TX agent what options are available to you so that you get the best possible coverage. Contact us at StraightEdge Insurance Company today, and we’ll help you design an automotive insurance policy that’s perfect for your needs. 

The basics of flood insurance

Floods cause a devastating amount of damage every year all over the United States. Since homeowners insurance doesn’t cover flooding, flood insurance is a necessity. You may think you only need it if you live in a flood plain but with rising water worldwide that is no longer the case. Have a good talk with your insurance agent about the danger present in your area, there may be some you are not aware of. If you live in or near Georgetown, TX, StraightEdge Insurance Agency is an independent agency that can offer you personalized service and choice of the top carriers and affordability. 

When looking at a flood policy the first thing your agent will determine is if you live in a community that is part of the National Flood Insurance Plan.  This is a federal program but you can get your policy from a local agent. The good news is the government sets the prices of policies, the rate is determined by risk. You can be sure that you are getting the best coverage at the best price so choose your carrier by their service and commitment to their customers. 

Flood insurance comes in two parts. You can buy one or both. One part covers the property. This includes the physical building and the foundation. It also covers things that are permanently part of the home such as built-in bookcases and cabinet, kitchen cupboards, carpeting installed covered unfinished floors, and blinds. It also includes major systems such as plumbing, electrical, water heater,  HVAC, major installed appliances, and well water tank. The second part is possessions. This includes all your personal items clothing, furniture, electronics, portable freezer, and the food it contains, small kitchen appliances, washer, and dryer. 

At StraightEdge Insurance Agency in Georgetown, TX we would love to discuss your flood insurance needs with you and give you a no-obligation quote. Give our office a call or stop by, we are waiting to hear from you. 

Why should I get home insurance in the Georgetown TX area?

When you own a property in the area of Georgetown, TX, you will want to protect it as well as you can. One great way that anyone can cover and protect their home is by getting a proper insurance policy. There are several reasons why someone should invest and get a home insurance policy here. 

Insurance will be Required by Lender

One key reason why you should get a home insurance policy is that it is going to be required by a home lender. Most people will need to finance the majority of their home purchase with a mortgage. If this is the case for you, it is important that you understand your lender’s insurance requirements. Most of the time, the lenders are going to require that you obtain a full home insurance coverage policy and have your payments escrowed.

Insurance Provides Valuable Coverage

Another advantage that comes when you get a home insurance policy is that it will give you very valuable coverage. A home insurance policy is designed to provide protection for your home, your personal belongings, and even give you liability insurance coverage. This could prove to be very valuable if there is ever a fire, an accident to your home, or another situation that results in a loss for you.

As you are shopping for a home insurance policy in the Georgetown, TX area, you will want to make sure that you speak with someone that you can trust. The team at StraightEdge Insurance Agency can offer you a variety of benefits and solutions that will ensure you receive the best coverage possible. StraightEdge Insurance Agency is able to do this by spending time understanding each of their customers and creating a personalized insurance plan. 

How Does Umbrella Insurance Work?

Umbrella insurance provides catastrophic coverage that can save you from financial disaster. At StraightEdge Insurance Agency in Georgetown, TX, we offer the umbrella insurance you need to protect your financial stability and future. 

What is Umbrella Insurance?

Umbrella insurance is a type of personal insurance policy. Instead of covering your house or vehicle, it covers you. It requires you to have primary insurance policies in place. if a claim exceeds your primary insurance policy, the umbrella policy will pay the difference, up to its own coverage limit. Umbrella insurance is sold in increments of $1 million, so the coverage limits are much higher than most primary policies. In some cases, an umbrella policy may cover all the costs for claims that are excluded by the primary policy. 

How Does it Work?

Umbrella insurance is relatively inexpensive while offering $1 million in coverage or more. How does this work? Because it typically covers catastrophic claims, the policy isn’t required to pay out nearly as often as primary policies. This allows them to provide coverage at reasonable rates. The odds that you will ever file a claim under an umbrella policy are slim. However, if you do need to file a claim, you will be very glad you have it. 

Not Just for the Rich

There’s a misconception that umbrella policies are for affluent individuals with millions in assets or cash. If you have $1 million in assets or more, you absolutely need an umbrella policy. However, even the average person can benefit from an umbrella policy. Litigation is very common, and judgments can quickly exceed your primary policy limits. In addition to seizing any assets you do have, the court can garnish your future wages. 

Umbrella insurance is very important in today’s society. A judgment against you can affect you financially for the rest of your life if you don’t have the right coverage. Contact StraightEdge Insurance Agency in Georgetown, TX today to discuss the umbrella policy that works best for you. 

Is Your Family Driving Less? Now May be a Good Time to Update Your Auto Policy

In today’s new reality, many families find that they are sticking closer to home and are driving much less. If your family is experiencing this, StraightEdge Insurance Agency, serving the greater Georgetown, TX community, is here to review your policy. Many auto insurance policies are written based on the typical number of miles driven in a given year. If the driving habits of your family have changed significantly, it is worth your time to sit down for a policy review.

Fewer Miles May Equal Lower Premiums

If recent changes in your driving habits have resulted in a significant decrease in the total miles you are driving, a policy review is a smart idea. There are many different levels of auto insurance coverage, and a lower coverage level might be sufficient for your needs now. During the recent Stay at Home period, many Texas families realized that they did not need to drive very much at all. If you are going to be continuing to work from home, it makes sense to review your current policy to see if you may be appropriate to update it. Our life habits often change, and in light of recent events and the subsequent impact they have had on our daily lives, a policy review makes a lot of sense!

Our team recommends that all clients have their policies reviewed on a regular basis in order to make sure that their policy is still the right one for their needs. If you would like us to perform this service for you, just let us know. Call or stop by StraightEdge Insurance Agency if you are interested in learning more about auto policy options available to Georgetown, TX area residents. We are here to help!

Importance of Flood Insurance for Texas Homeowners

Hurricanes, tropical storms, and floods are common in the Lone Star State, putting Texas homeowners at risk of flood damage. If your Georgetown, TX home is hit by a flood, you could lose all that you own. Flood insurance from StraightEdge Insurance Agency is specifically designed to protect your home and belongings against flooding. If you’re still on the fence about flood coverage, these flood facts can help you determine if flood insurance is right for you.

Flood Damage Isn’t Covered by Texas Homeowners Insurance

Homeowners insurance covers many types of disasters from tornados and wildfire to severe storms and lightning strikes. It doesn’t, however, cover flood damage. Without flood insurance, your home is virtually unprotected against the extensive damage that flooding can cause.

Flood Damage Can Be Disastrous

It doesn’t take much water to cause extensive damage to a home. Even several inches of water can ruin your foundation, walls, and floors, not to mention destroy your personal goods. Imagine the damage that a major flood can cause. Flood insurance helps you recuperate your losses from flood damage so you can move on.    

Floods Aren’t Limited to Flood Zones

Like most disasters, floods are unpredictable. They can happen anywhere. You may be more susceptible to flooding in a flood zone, but there’s no guarantee you won’t be the victim of flooding if you live in a non-risk area. In fact, approximately a quarter of flood claims made come from people who live outside a flood zone. That’s why it’s important to consider flood coverage for your Georgetown, TX home. You’ll also be glad to hear that flood insurance is quite affordable for people who live in non-flood zones.

Flood coverage can be instrumental in helping you recover from a flood disaster. To learn more about flood coverage and costs, contact StraightEdge Insurance Agency.

Can an Insurance Company Ask You To Cut Down Trees for Home Insurance?

There are many homes in the Georgetown, TX area where they are covered with trees. Trees are everywhere, but when they get old, when they art to encompass your residence, they can pose quite a risk to your property. A tree falling on your home can be a devastating event that can demolish not only your home but your contents inside. On top of that, it can also pose a big risk to the safety of your family inside. With that said, can an insurance company ask you to cut down trees around your home property?

Trees falling around your home are one of the most common types of home insurance claims homeowners make. When a tree falls on the house, you call up your insurance provider and put in a claim, recovering from those losses. This is a big risk exposure which insurance companies face and they know that. This is why it is common for insurance companies to scan your residence and take a look at the trees around it.

To reduce their risk exposure and make your home one that they feel confident insuring year after year, it is within the right of your insurance company to ask you to cut down certain trees around your property. If you do not comply, it could be a situation where they choose not to renew your policy in the next year, leaving you looking for another insurance carrier.

When you are shopping the market for an insurance company, questions about your property will be commonplace. Having a firm understanding of what you may need to do to get coverage is important. Work with the StraightEdge Insurance Agency today to start your home insurance buying process.

How Umbrella Insurance Can Protect Your Investments

Protecting your assets is often not as cut and dried as simply purchasing home or auto insurance. There are certain instances in which your typical homeowner’s or auto policy will not cover the extent of expenses that can be incurred through an accident or liability event. What can you do in these situations? Umbrella policies were created for exactly this type of event.  At StraightEdge Insurance Agency, serving Georgetown, TX, we are here to educate our clients on topics such as this. 

What is Umbrella Insurance?

Umbrella insurance is a type of policy you can purchase in addition to regular homeowners or auto insurance. An umbrella policy is intended to act as a backup insurance policy. If you are liable in an accident or injury situation, your regular insurance policy has been exhausted, and there are still expenses to be paid, an umbrella policy will kick in. This is a wonderful type of protection to have in place in order to protect all of your assets. 

Who Should Get Umbrella Insurance?

Umbrella insurance can prove helpful to anyone who wants additional protection in the event of a vehicle accident, or in the event of liability situation in their home. Umbrella insurance is especially important, however, for individuals who have significant assets they wish to protect. This can include properties, investments, and savings. In the event of an intense financial liability situation, all of these assets are in danger. Protecting these assets through an umbrella policy is a great way to secure your financial future no matter what may come your way. In order to understand exactly how much protection you will need, you should speak with an insurance representative. 

If you would like to learn more about umbrella insurance, please contact our friendly staff at StraightEdge Insurance Agency, serving Georgetown, TX.