Having the right insurance coverage can make all the difference when life takes an unexpected turn. From rebuilding after a total loss to staying ahead of risks like cybersecurity and climate-related damage, today’s policies need to do more than just check a box. Kate Mayer, CPRM and Personal Lines Risk Advisor at Whorton Insurance, brings peace of mind by helping clients understand their coverage and make confident, informed decisions.
“One of the most common gaps is Extended Dwelling Coverage,” Mayer explains. “This is the coverage that comes to the rescue if the policy dwelling amount is not enough, say in a total loss. The insured has $1 million on the dwelling and it is going to cost $1.5 million to rebuild. A lot of companies do the 20% of dwelling coverage, but I always do the 100%. With the fluctuating home prices, you need to make sure there is enough coverage.” She also emphasizes the growing need for flood, earthquake, and cybersecurity coverage. “Cybersecurity is a huge concern now, and every policy is adding the coverage options. It is important to explain to our clients and offer it to them.”
As families grow and evolve—and as high net worth needs become more complex—Kate sees clients becoming more involved in their coverage. "From buying a first home to sending their first child off to college, families are changing fast—and with each step, we’re there to offer guidance,” she says.
After 34 years in the industry, Kate Mayer has built lasting relationships that go far beyond paperwork and policies. "Clients are like close friends to me, and it’s incredibly rewarding to know they trust me to do what’s right. My clients can call anytime if it’s an emergency or something that needs to be handled quickly. That’s the difference between an 8-to-5 insurance agent and a high-net-worth risk advisor."
WhortonInsuranceLakeway.com | (512) 372-2241 | 2800 Barton Creek Blvd., Austin, TX 78735