Mastering DisasterSM: Theft Prevention

 

Protecting a home from theft is something all homeowners and renters think about. There are several things you can install around the home including door locks, security alarm systems, and exterior lighting to help prevent an intruder from breaking into your home. Watch this video to learn about more about these and other security tips to protect your property.

 

For a Free Quote call us NOW!  281-360-4646 or visit us at www.richeyinsurance.com

Richey Insurance Agency

2530 Green Oak Dr, Ste B

Kingwood, TX  77339

*Disclaimer:  This site is not owned, operated or sponsored by MetLife Auto & Home Insurance.  This site is using content provided by MetLife Auto & Home Insurance from their YouTube Channel. This site is solely owned, operated and sponsored by an independent agency dba as Richey Insurance Agency.

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TWIA Alternative to Windstorm Insurance

Let me say this loud and clear, Yes, there is now an alternative to TWIA.  You don’t have to stay with the Texas Windstorm Insurance Association.  You can have a real, live, working insurance company to provide you with windstorm insurance. 

But, yet there is more, Yes, believe it.  Maison Insurance Company now has rates that are 10% below the current TWIA rates.  So, not only an alternative but something a bit cheaper.  Sounds too good to be true?  

There is one other thing, if you want to believe it.  If you don’t have the latest and great WPI-8 on the roof replacement that you made a few years ago.  Forget about it!  Maison does’t penalize you for not having the certificate registered with the Texas Department of Insurance.  Of course, your going to have to prove it with an invoice, warranty or some papers to document that it’s been replace.  But, there is not the 15% surcharge added to your policy like it would be with TWIA.  Okay, that all sounds good and I like it, alot.  

So, here is the downfall, today.  The roof has to be less than 14 years old or the policy will be written with an actual cash value endorsement.  That is subject to change of course, but that is what is offered today.  So, anyone who has a newer roof that is 14 years and newer shouldn’t have an issue, problem or surcharge on getting a windstorm policy in Texas.  

Plus, Maison is kicking off the program and there should be other entrants into the market this year.  So, there are going to be options.  It looks to heat up a little bit this summer and maybe the windstorm market will too.  Competition brings out the best in everyone, so look out.  The gloves are going to come off now that it’s open season in the windstorm market.

As the agency principal, I like to stay on top of what is happening in the marketplace and offer alternatives and options to our customers.  It’s not for everyone but that is why my agency and staff are here to help sort out the options. If you would like to get a home and windstorm insurance review, please feel free to give us a call at 800-776-0633.  If you would rather submit your request online please feel free to do so on our website at www.texascoastalinsurance.com.  We can respond to you in either fashion with the same quick response and courteous service. 

www.texascoastalinsurance.com

Clinton D Richey at 800-776-06333

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Travelers : Stay Safe : Safe Fuel Storage for your generator

 

For a Free Quote call us NOW!  281-360-4646 or visit us at www.richeyinsurance.com

Richey Insurance Agency

2530 Green Oak Dr, Ste B

Kingwood, TX  77339

*Disclaimer:  This site is not owned, operated or sponsored by Travelers Insurance.  This site is using content provided by Travelers Insurance from their YouTube Channel. This site is solely owned, operated and sponsored by an independent agency dba as Richey Insurance Agency.

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Travelers : Stay Safe : Generator Safety

 

For a Free Quote call us NOW!  281-360-4646 or visit us at www.richeyinsurance.com

Richey Insurance Agency

2530 Green Oak Dr, Ste B

Kingwood, TX  77339

*Disclaimer:  This site is not owned, operated or sponsored by Travelers Insurance.  This site is using content provided by Travelers Insurance from their UTube Channel. This site is solely owned, operated and sponsored by an independent agency dba as Richey Insurance Agency.

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Emergency Preparedness: How to Pack a Survival Kit in Case of Emergency

 

For a Free Quote call us NOW!  281-360-4646 or visit us at www.richeyinsurance.com

Richey Insurance Agency

2530 Green Oak Dr, Ste B

Kingwood, TX  77339

 

*Disclaimer:  This site is not owned, operated or sponsored by Travelers Insurance.  This site is using content provided by Travelers Insurance from their UTube Channel. This site is solely owned, operated and sponsored by an independent agency dba as Richey Insurance Agency.

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Emergency Preparedness: Generator Safety

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Vacation Tips to Protect You and Your Family

 

Richey Insurance Agency Offers Vacation Tips

to Protect You and Your Family

Kingwood, TX, December 20, 2015 – Vacations should be a time spent having fun and relaxing. By taking a few extra precautions while traveling, you can prevent yourself, or your friends and family, from being a victim of crime.  Richey Insurance Agency and Travelers, a leading provider of auto and homeowners insurance, offer these safety tips to help you, your friends and family have a fun and safe vacation:

  • Do not carry large amounts of cash. Use traveler’s checks that can usually be replaced within 24 hours.
  • Use ATMs only during daylight hours. If you must use one after dark, try and find a well-lit, busy area such as a grocery store.
  • Leave copies of trip information with a friend or family member at home. This includes credit card numbers, passport numbers, plane tickets and itinerary information, and phone numbers for your credit card companies.
  • Keep credit cards, cash, passport, and plane tickets separate.
  • Wear a “money purse” underneath your clothes that contains passport, phone numbers for credit card companies, and a small amount of cash, should your wallet get stolen.
  • Carry a “dummy” wallet in your back pocket containing $20 which, if you were to be mugged, would satisfy the robber without draining all of your funds.
  • Have your mail delivery stopped while on vacation. If you have a neighbor retrieving mail and newspapers while you are away, ensure that they will be there every day. Nothing says an empty house like a stack of mail or newspapers at the front door.
  • Do not assume your personal documents are safe in your hotel room. Lock them in a safe while the room is unoccupied.
  • Have separate ATM, debit and credit cards and make sure that you need a PIN for in-store use of a debit card, not only for the ATM.
  • For women, do not hang purses on the back of bathroom stall doors. It is very easy for someone to reach over the door and grab it. 
  • Leave your regular checkbook at home. If your checks are stolen, it’s difficult to cancel them and track their use as you would a credit card.  Plus, if someone re-orders checks in your name, you won’t realize it until you receive your bank statement.
  • Only carry credit cards that you will need on vacation. Leave cards for particular department stores or things like gas cards at home.
  • Remember that your credit card number is on your plane tickets, so treat them as you would a credit card.
  • Cover ATM key pads when entering your PIN. People could be watching over your shoulder, or even from a distance, and then later attempt to steal your wallet and use this information.
  • Use common sense when traveling. Do not draw attention to yourself as a tourist. Avoid reading maps in a busy, high-traffic area, carry your camera in a tote bag rather than the carrying case, and do not flaunt large amounts of cash when removing money from your wallet or pocket.

Your homeowners, condo or renters insurance policy may cover loss or damage of your personal items while traveling, up to specified limits.  Take time before you go on vacation to compile a personal property inventory, which helps determine replacement cost of lost items.  Document each item’s year of purchase and original price.  Items that may exceed policy limits, such as jewelry, cameras and golf equipment, need additional protection such as Travelers valuable items insurance.  To ensure you have the coverage you need, contact your independent insurance agent. 

Established in 2008, Richey Insurance Agency is an independent insurance agency offering a full range of insurance products including auto, home, life and business insurance policies.  Richey Insurance Agency is a member of Independent Insurance Agents of Texas. 

For information and quotes on insurance coverage, please visit Richey Insurance Agency at 2530 Green Oak Dr, Ste B & C, Kingwood, TX  77339 or call 281-360-4646.

About Travelers

The Travelers Companies, Inc. (NYSE: TRV) is a leading provider of property casualty insurance for auto, home and business.  The company’s diverse business lines offer its global customers a wide range of coverage sold primarily through independent agents and brokers. A component of the Dow Jones Industrial Average, Travelers has operations in the U.S., Canada, U.K. and Ireland. For more information, visit www.travelers.com.

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