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Blog

March 27, 2025
Agency

Top Factors Impacting Your Auto Insurance Cost

Understanding the factors influencing your auto insurance cost can help you make informed decisions and save money. Auto insurance can provide financial protection in accidents, theft or other covered incidents. Still, the cost of this protection can vary significantly based on several key factors. By gaining insight into these factors, you can better navigate the […]
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February 26, 2025
Agency

What 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 […]
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February 14, 2025
Agency

Why 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 […]
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October 29, 2024
Agency

Spooky 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 […]
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October 21, 2024
lonestarins

How Age and Annual Mileage Impact Your Insurance Costs 

When it comes to car insurance costs, two significant factors that influence your premium are your age and the number of miles you drive annually. Understanding how these elements affect your insurance cost can help you make informed decisions and potentially save money. Age and Insurance Costs Age is a critical determinant in calculating car […]
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September 23, 2024
lonestarins

Safety First – Fall Decorating

As fall and Halloween approach, decorating your home can be fun, but it’s important to keep safety in mind. Here are some easy tips to help you decorate safely: Use Safe Materials When picking decorations, make sure they’re fire-resistant, especially if they’ll be near candles or lights. Instead of real candles, use battery-operated ones to […]
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September 10, 2024
lonestarins

School is in Full Swing

Adjusting to the back-to-school season can be challenging for families, but with a little preparation, the transition can be smoother for everyone. As summer draws to a close, it’s important to ease into a routine that mimics the school day. Start by adjusting bedtime and wake-up schedules a week or two before school begins. This […]
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July 12, 2024
Agency

Summer 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 […]
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June 28, 2024
lonestarins

Factors That Affect Automobile Insurance Costs 

Automobile insurance costs are a significant consideration for any driver. Whether you’re a seasoned driver or a newbie behind the wheel, understanding what influences these costs can help you make informed decisions and potentially save money in the long run. These factors typically impact how much you’ll pay for car insurance: Driving record—If you have […]
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May 27, 2024
Agency

What 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 […]
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