With the constant barrage of headlines featuring wildfires, flooding, hurricanes, and tornadoes, most of us have likely asked the question recently: Am I adequately insured? Most folks look at insurance as a matter of compliance. Generally, mortgage holders require homeowners insurance as a loan condition, and the State of Texas mandates that drivers carry minimum liability insurance to cover possible accidents. What about all of the things that are not covered by these mandates? Eddie Buckley’s team at State Farm Insurance is available to address these questions and more.
North Texas is notorious for violent weather. Hail storms and tornado warnings appear every spring and continue through the fall. Everyone manages the risk of these “given” events differently. Eddie says, “It’s a matter of aggravations versus devastation financially.” Managing insurance costs and risks is a balancing act. What makes sense for a single renter in his or her twenties differs from that same person, married with kids and a home just ten years later. As we navigate the seasons of our lives, our risk profile changes, as do our finances.
But insurance isn’t all about replacing or fixing broken or lost things. It’s important to review your policy. Eddie notes, “The quote is one page, but the policy is huge. Understanding whether or not you are covered in the event of a fire is one thing, but does it pay for shelter while your property is repaired?” Life insurance is another area, and since it is not addressed by any mandate, many people find themselves woefully undercovered. It’s not simply about covering the mortgage or funeral costs. When survivors must return to work, how do you pay for child care and other expenses not part of your day-to-day expenditures, which are now a daunting reality?
Your insurance agent is more than your point of contact if and when you experience a loss. They are friendly faces who help you understand and manage your evolving risks, and they are an extension of the family in the event of a catastrophe. Reach out to Eddie Buckley today and find out how he can help you prepare for both the predictable and the unforeseeable.
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It’s a matter of aggravations versus devastation financially.