February 26, 2025
AgencyWhat Impacts Your Homeowners Premium and How to Save
When it comes to protecting your home, understanding what influences your homeowners insurance premium is crucial. Knowing these factors allows you to make informed decisions to lower costs while potentially ensuring adequate coverage. Location of Your Home The location of your home significantly affects your premium. Homes in areas prone to natural disasters typically have […]
February 14, 2025
AgencyWhy is it Important to Have Insurance Coverage for Fires?
Natural disasters can strike when we least expect them, and fires, especially wildfires are one of the most unpredictable and devastating especially if you don’t have insurance coverage for fires. In recent years, California has seen the shocking power of wildfires. Entire neighborhoods have been reduced to ashes, leaving families homeless and scrambling to rebuild […]
December 23, 2024
AgencyWhy Is Commercial Property Insurance Necessary?
Commercial property insurance is essential for businesses in , , protecting against risks that could lead to significant financial losses. In the wake of fires, theft, vandalism and other incidents, this insurance can help businesses recover and continue operations after unexpected events. In a region prone to severe weather, having adequate commercial property insurance is […]
October 29, 2024
AgencySpooky Safety – Tips and Tricks for Staying Safe this Halloween
Halloween is a blast, but safety is key to making it a good time for everyone. When carving pumpkins, use a pumpkin carving kit instead of sharp kitchen knives—research shows over 41% of Halloween injuries are from hand cuts, often during carving. For trick-or-treaters, being visible is critical, as pedestrians are twice as likely to […]
July 12, 2024
AgencySummer Claims and Tips
Summer is a time for outdoor fun, but it also brings specific risks that can lead to insurance claims. Understanding common summer insurance claims and policies, along with prevention tips, can help financially safeguard you and your family. Whether you’re firing up the grill, hitting the road or enjoying time by the pool, understanding potential […]
May 27, 2024
AgencyWhat is Other Structures Coverage for Homeowners?
Homeownership comes with the responsibility of financially safeguarding not just your main dwelling but other structures present on the property. Other structures coverage, an often overlooked yet vital component of homeowners insurance, offers this necessary financial protection. Understanding its importance can be critical to comprehensive home insurance planning. What is Other Structures Coverage? Other structures […]
February 13, 2024
AgencySignificant Increase in Insurance Premiums – Why?
Recently, many of us have noticed a significant uptick in our insurance premiums, whether it’s for our homes, vehicles, or businesses. This surge in insurance rates is not without reason and understanding the underlying factors can shed light on why our wallets are feeling the pinch. One major contributing factor to the increase in insurance […]
January 18, 2024
AgencyGetting the Best Rates: Working With an Independent Insurance Agent
Insurance is an essential loss control measure for millions of individuals, families and businesses across the United States. The coverages and policies provided by insurance agents can play a critical role in limiting financial losses that might otherwise incur catastrophic fiscal consequences. Even the most responsible homeowners, safest drivers and most experienced businesses must be […]
December 15, 2023
AgencyThe New Year is Approaching – Review Your Insurance Coverage
As you go into the New Year, you have a lot to look forward to. We at Lone Star Insurance Agency want to remind you that now is a great time to review your insurance coverage. The new year brings changes to the insurance business. Rate adjustments may take effect, and policy changes may come […]
November 1, 2023
AgencyDo Children Need Life Insurance?
Life insurance is a type of coverage that provides a death benefit, or payout, at the time of death. It is meant to provide your loved ones with the financial support they need after losing you, a financial contributor to the home. While most adults who have dependents, debt or desires to leave funds behind […]