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What Does Flood Insurance Cover? To understand what flood insurance covers, you need to know three things first: 1. Standard homeowners insurance doesn’t cover flood damage at all. It’ll cover some damage from rain, but if your home is filled with water as a result of rising bodies of lakes, rivers, streams, and oceans, it won’t cover you. READ MORE >>

Understanding Fire Protection Classes One of the tools that homeowner insurance companies use to determine how much you will pay for your homeowner insurance is your fire protection class. Fire protection classes range from 1 – 10. An independent company rates City and County Fire Stations. READ MORE >>

Are you needing Homeowners Insurance today? Use our new instant homeowners insurance link on our home page. Click on the link enter your home address and receive an instant quote on your homeowners insurance. If you like the quote you received,  you can complete the application and purchase the policy online. READ MORE >>

seterf.org The Southeast Texas Emergency Relief Fund (SETERF) is a special trust founded on August 31, 2005 by Regina Rogers and Joe Penland. Its main objective is to provide relief to individuals and families in need or affected by a natural disaster and/or other emergency situation. READ MORE >>

For quite some time, the Lone Star State has unfortunately been known as the car accident capital of America. It’s estimated that about 3,500 people are killed on Texas roads every year. While car accidents are caused by many reasons, the main contributing factors in Texas have consistently been speeding and driving under the influence. READ MORE >>

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Depopulation Programs What is Depopulation at TWIA? In 2015, the 84th Texas Legislature, Regular Session passed Senate Bill (SB) 900 which authorized the creation of two new depopulation programs: a Voluntary Market Depopulation Program and an Assumption Reinsurance Depopulation Program. READ MORE >>

The most important thing you can do as hurricane season approaches is to get yourself, your family and your home prepared. By starting early, you’ll avoid the rush at home supply stores, grocery stores and other venues typically crowded and often chaotic when hurricane watches and warnings are issued. READ MORE >>

      No one should take a vacation from safety. Posted August 27, 2013 READ MORE >>

Personal Injury Protection (PIP) May Help Pay Expenses From an Accident An automobile accident can damage far more than your car. Medical bills, lost wages and other expenses can add up quickly and put a serious dent in your bank account. READ MORE >>

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