March 3, 2012
AgencyWhat To Do If In An Accident
Steps to Take After an Accident If possible, move your car to avoid blocking traffic and to protect it from further damage. Call the police if somebody is injured or killed, if you can’t move your car, or if the accident involved a hit-and-run driver. Your uninsured motorist coverage pays for a hit-and-run accident only […]
February 28, 2012
AgencyHurricane Preparation
Hurricane Preparation On average about five hurricanes strike the United States every three years. Texas is a state that is at high risk for tropical storms so it is important to be prepared. Here are some thinks to consider for your plan. Flee or shelter in place? This is an important decision that effects the […]
February 26, 2012
AgencyRVs and Travel Trailers
At BOB HOWARD INSURANCE.COM we can insure more than just an RV with a Progressive RV policy — motor home insurance, travel trailer insurance and camper insurance are available, too. With a Progressive RV policy, you can protect whatever type of recreation vehicle you have so you can spend your time traveling — and enjoying it. What’s the Difference Between […]
February 23, 2012
AgencyNew TWIA Endorsements on the Horizon
New TWIA Endorsements on the Horizon Lee Loftis, Governmental Affairs The Texas Department of Insurance has approved new endorsements for use by the Texas Windstorm Insurance Association on its dwelling policies. TWIA 220 (Automatic Adjusted Building Cost Endorsement) The new TWIA 220 will replace the old TWIA 200 and will be added to all new […]
February 23, 2012
AgencyReplacement Cost VS Market Value
Replacement cost vs. Market value – Home Insurance valuations My home is only worth $120,000. Why does my insurance company want me to insure it for $275,000? One of the biggest questions consumers have regarding homeowner’s insurance revolves around the amount of insurance to place on their dwelling (home). When purchasing a house, the mortgage […]
February 22, 2012
AgencyHow Serious Is Insurance Fraud
HOW SERIOUS IS THE INSURANCE FRAUD PROBLEM? Insurance is one of the most costly white collar crimes in America, ranking second to tax evasion.* According to the National Insurance Crime Bureau (NICB), 10 percent of property and casualty insurance claims are fraudulent. WHO PAYS FOR INSURANCE FRAUD? Insurance companies, policy holders, taxpayers and the general […]
February 22, 2012
AgencyInsurance Fraud
TDI Fraud Unit What is Insurance Fraud? Insurance fraud occurs when companies, agents, adjusters, health care providers, or consumers intentionally deceive others or misrepresent facts for financial gain. It usually happens during the process of buying, using, selling, or underwriting insurance and is usually motivated by greed. Insurance fraud is a crime in Texas!
February 21, 2012
AgencyBob Howard Insurance
We are your #1 source for LOW cost Auto, Homeowners Insurance and Windstorm in Galveston County! Call 281-338-7797 Our Family Owned and Operated Agencies have provided Insurance services for over 18 years in the great state of Texas. Our experienced Staff members are available to service all you Insurance needs, especially when you need it most after a loss. […]
February 21, 2012
AgencyWindstorm Insurance
At this time of the year our office starts gearing up for the Hurricane Season that starts on June 1st. Generally speaking, we get few Hurricanes in the early months of the Hurricane season, but they do occur from time to time. Now is the time to put your game plan together in the event […]
February 18, 2012
AgencyFLOOD INSURANCE
Protect Yourself Since standard homeowners insurance doesn’t cover flooding, it’s important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S. In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP […]