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Bob Howard Insurance Blog: 2_2012

View the latest blog posts from Bob Howard Insurance.

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? READ MORE >>

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 READ MORE >>

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) READ MORE >>

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? READ MORE >>

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? READ MORE >>

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. READ MORE >>

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. READ MORE >>

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. READ MORE >>

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. READ MORE >>

There has been alot of changes with the Homeowner market in Southeast Texas over the last few years, but particularly the last two. For areas located in Galveston, Harris, Brazoria and Fort Bend Counties it has become more difficult to find a policy and more over a quality policy. READ MORE >>

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