Welcome, be prepared Before an Accident, incident or injury - Preparedness.
Be sure to keep your vehicle registration, auto insurance ID card and emergency contact list in your car. Always carry your driver’s license with you when driving. Keep a set of orange cones or warning triangles in your trunk to help alert traffic in the situation of an accident.
Emergency Accident Kit For Your Vehicle
Whether your vehicle happens to blow a tire and skid out in the deep wilderness at night or gets hit by a bus in rush hour city traffic, it’s always a wise idea to have an emergency kit right there and ready for immediate use.
These are some great items to include in a personalized vehicle emergency kit that will come in handy regardless of the accident’s severity. Some items might seem obvious but you can never be too careful during preparation to ensure all bases are covered.
Don't Make It Easy For Car Thieves
Types Of Anti-Theft Systems
Who You're Dealing With - Professional Thieves
Joy-Riders
'Bump-and-Rob'
As part of a legal term, "premises liability," homeowner liability states that you can be held responsible if someone is injured on your property. That's why it's so important to take all the necessary steps to protect your family and your visitors.
Dangerous slip and fall conditions, unsafe railings, dimly lit exteriors, as well as many other factors can lead to serious injuries. So be sure to check your property for any potentially hazardous conditions.
Be proactive and stop slip and fall accidents on your property before they happen. If a visitor is injured at your home, you could be held responsible.
As a homeowner, you'll want to make sure you're protected in the event of an accident on your property. Be sure to check the limits of your homeowner's insurance to financially protect yourself in case someone gets hurt at your home.
Report the accident to your agent so we can help you or to review your Limits, 281-293-7744 Toll Free 1-877-260-0808. Also, talk to us about an Umbrella Insurance policy.
Certainly one of the most certain things in life is, Uncertainty.
Can this happen to me - Yes No Yes?
Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could result in a multi-car accident. And you could be held liable to others for the cost of damages – injuries, property destruction, emotional distress, lost wages and more.
Good thing you have insurance. But, wait, your policy covers $300,000 of liability, and, in a lawsuit, you’re judged liable for $1 million. That leaves $700,000 left to pay. How will you cover it?
If you have umbrella insurance and your policy covers the incident, the additional $700,000 will come from your policy. If not, it will come from the assets you have now, such as your home and savings, and from future assets, such as your wages or inheritance.
The fact is, it only takes one serious accident and a resulting lawsuit to put everything you own – and will own – at risk. It only takes one umbrella policy to help protect it all.
And, you can use our Quick Quote form to get started.
Whether you are a renter or a high-value homeowner, we have your equipment breakdown exposures covered.
The modern home contains many expensive systems and appliances subject to equipment breakdown. These include -
Even items that you typically think of as disposable; such as, garage door openers, exhaust/ceiling fans, DVD players and much more, could benefit from this coverage as a result of an electrical power surge.
If it uses electric power, it is most likely subject to Equipment Breakdown.
Often this equipment requires sophisticated diagnostic tools and skilled technicians to oversee a potential repair.
Equipment breakdown coverage protects you against unexpected repair or replacement costs due to an electrical, mechanical, or pressure systems breakdown.
In addition to coverage, loss prevention information and loss adjustment services are customized at a fraction of the cost of limiting home warranty products.
Best of all, this additional coverage follows the terms and conditions of your insurance policy.
We have options for a variety of coverage cost & deductibles. Act today to discuss these options and get this very affordable & cost efficient coverage by giving us a Call, 281-293-7744 Toll Free 1-877-260-0808 and tell us, I want to Save with EBC.
And, you can use our Quick Quote form to get started.
Coverage was previously limited to “Residence Premise” and now we’ve extended coverage for property that is away from the described premises.
Thirty-eight percent of all equipment breakdown losses are mechanical in nature. Until now, along with electrical breakdown at 46 percent, these losses were typically excluded under your homeowners policy.
Electrical
Mechanical
Pressure Systems
46
38
16
A domestic water 230-volt deep well pump short-circuited to ground. Upon being pulled from the well to determine its condition, it was concluded that cost to repair the motor was greater than the cost of replacement.
Cost of Replacement: $1,850
Loss of Use: $186
During a family vacation, a storm caused a power outage. A laptop computer and cell phone were charging when the outage occurred. When power was restored, a voltage spike damaged the items beyond repair and required their replacement. With the Off-Premises Coverage the homeowner would now be covered!
Cost of Repairs: $3,750
A personal computer (PC) used to control multiple systems (HVAC, lighting and irrigation) within the home sustained electrical damage from a power surge. Replacement of the computer and the unique programming was required.
Property Damage: $2,975
An air conditioning system suffered an ice buildup in the evaporator due to a cracked compression fitting. The ice plugged the condensate drain causing water to flow into the control cabinet, short-circuiting the solid state controls for the air conditioning system and furnace.
Cost to Repair: $2,800
A close lighting strike could result in a surge of electricity that could damage or destroy your central A/C and heating system. Cost to repair or replace could easily total into the thousands & thousands of dollars.
EBC does not cover losses that result from normal wear and tear. Losses must be sudden, direct and accidental.
The cost of home security systems have decreased significantly and can lower the cost of your homeowners insurance.
Burglar Reveals 15 Trade Secrets - A Look Into The Mind of a Burglar.
Here’s what I’m looking for to make your house my next target -
Before picking a house I have to scope the whole neighborhood. To do this I’m not going to be walking in the traditional cat burglar uniform. I’m going to be walking around with a rake, dressed up as the cable, electric, or phone repairman. In some cases I even post a flier on your door for a closer look. Usually my work hours are from 8AM-11AM. I want to avoid any kind of confrontation. -
Here’s how I break into your home.
Now here’s what I’m doing once I’m inside your home.
And that’s it folks. It usually takes me about 8-12 minutes to get in and out of your home. It’s as easy as that!
In closing, there are a lot of things that you can do to avoid someone like me. A security system is a no brain-er. If that’s not an option, leaving a TV or stereo on during the day usually helps someone like me avoid your home. This usually indicates someone is home. Also most burglars won’t even attempt entry if they know there’s a large dog in the home.
Flood and Windstorm insurance
Understand what these policies cover that Homeowners insurance does not. Give us a call so we can answer any questions and review your current coverage, 281-293-7744 Toll Free 1-877-260-0808.
And, you can use our Quick Quote form to get started.
Flood insurance has a mandatory 30 day waiting period before your policy will take effect. And, when a hurricane enters the Gulf of Mexico (80 degrees longitude and 20 degrees latitude), you may no longer change or buy windstorm coverage.
Start collecting supplies
Before a storm comes:
Understand the difference between a hurricane watch and a hurricane warning. A hurricane watch means a hurricane may occur within the next 24-36 hours. A hurricane warning means that a hurricane will probably strike your area within the next 24 hours.
Evacuate if necessary. Please follow the authorities' request to evacuate. Inform significant others of where you plan to evacuate.
During a storm:
We are always striving to make your insurance experience as efficient and convenient as possible. Thanks for a Great Year!
Susan Flagg - HISOT CEO
Susan's Tips - Buy insurance like an insurance agency CEO - PRO.
HISOT is an Accredited Business with the Houston Better Business Bureau.
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