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 When thinking about insurance and the kinds of insurance you need, you may feel overwhelmed. The good news is that it doesn't have to be overwhelming! When working with a trusted insurance agent, getting yourself covered with the appropriate policies can be easy. From auto insurance to property insurance, here are three policies that you shouldn't go without.
Home Insurance If you are a homeowner, making sure you have home insurance is vital. Home insurance can protect you and your home in a few ways. Not only does it protect you if you were to lose your home, but it can also cover the loss of personal possessions or any accidents that may occur at your home. Making sure your home, where you probably spent most of your time, is protected can take a lot of stress off your shoulders. Home insurance can even protect against rare events like flood damage or additional living expenses. Auto Insurance Not only is hiring an insurance agent important for home insurance, but making sure you are taken care of properly with your car is just as vital. According to Forbes, one in eight drivers doesn't have car insurance. This means that one in eight people aren't protected if they are injured in a car accident, their vehicle is damaged, or even if their car gets stolen! If you own a vehicle or drive frequently, auto insurance is essential. Health Insurance One type of insurance that may be often overlooked is health insurance. Whether you run your own business and need to get it yourself, are an employee of a company, or even are currently unemployed, ensuring you have the proper protections in order is important. We only have one life and one body, so it's critical to protect them. If you get sick or injured, health insurance can be key in keeping your costs down and getting the proper care, too! While some people may think health insurance is something they can skip, it's good to be prepared in case of an emergency, so this shouldn't be overlooked. With the right help, finding appropriate insurance policies can be easy and stress-free. If you're ready to connect with an insurance agent, contact Rollo Insurance of Dripping Springs today!
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 Whether you have purchased an insurance policy on your own before or not, it can feel like a challenge. You probably have questions for your insurance agent you want answered. According to Comfy Living, 85% of homeowners in the U.S. have insured their homes. Homeowners insurance can be complex, so it is normal to have some questions. Read below to discover the top questions you should ask a home insurance agent.
1. How Are Homeowners Insurance Rates Calculated? Homeowners insurance is calculated based on a couple of factors. Home insurance rates are usually based on coverage limits as well as the likelihood of future losses occurring. The way something like this is calculated is by analyzing the history of loss for both the potential homeowner as well as the actual home. Make sure you ask your homeowners insurance agent about this. 2. What Is Covered? Under a home insurance plan, just like any insurance plan, there may be things that are not covered. Asking your home insurance agent what is covered in a specific policy will help you choose the right plan for you. 3. What Should I Set My Deductible? There is no specific answer to this question. Your home insurance agent will help guide you in the direction that is best for you. The higher your deductible is, the lower the cost of your insurance premium. The deductible is the amount that the insurance company will deduct from an insurance payout. That being said, your deductible needs to be an amount that you would be comfortable paying out-of-pocket after a loss. 4. What Is the Dwelling Coverage Limit? Dwelling coverage is defined as the maximum amount of money the insurance agency will pay to rebuild your house. Ensuring that this has been recalculated recently will reduce the risk of running out of coverage in the event of a total loss. Talk to your local homeowners insurance agent to get all of the details about your home's dwelling coverage. Asking your homeowners insurance agent these questions when you are purchasing a plan will help you in the long run. Unexpected financial responsibility can happen if you make assumptions about your policy rather than asking your agent. Rollo Insurance is proud to provide residents of Dripping Springs, TX with premium home, auto, and business policies that fit their needs. Don't hesitate to contact our team of insurance agents today for more information!  Life is often exciting, fulfilling, and unexpected, full of twists and turns that we never saw coming. Because life can be so unpredictable, it's important to provide safety and security for your loved ones. One of the best ways to help your family is by investing in a life insurance policy. Read on to learn more about why you should invest in life insurance as soon as possible.
Peace of Mind While it may not be the most fun activity in the world, folks need to prepare for any and all outcomes. Whether you're entering your Golden Years or just looking to alleviate your loved ones of some stress, it's important to have all of your ducks in a row. According to the CDC, 29.6 million people under the age of 65 don't have health insurance. Those without health or life insurance may find themselves in a bind at one point or another. When it comes to life insurance, this is one of the best ways you can prepare for the future. Having life insurance can help protect your family when you pass on. A life insurance policy can help cover any funeral expenses, out-of-pocket medical care, or day-to-day costs. This can prove to be incredibly helpful to your family, as it may help to alleviate the stress of paying bills during an already emotional time. Variety of Options One of the great things about life insurance is that it can be used in a plethora of ways. Do you have a charity that you feel especially passionate about? If so, you can opt to make them the beneficiary of your life insurance plan. This means that your funds will go directly to the charity once you pass. This is a great way to ensure that you're making a difference in people's lives even after you're gone. Life insurance is more than just an investment; it's a central pillar to creating a safe and secure plan for your loved ones after you've passed away. If you've been considering purchasing life insurance, don't wait any longer. Protect your peace of mind and relax knowing that you're covered in the event that anything should happen to you. Contact our team at Rollo Insurance today to receive a life insurance quote or to learn more about our services. We can't wait to hear from you and learn more about how we can assist you.  No matter your carrier or location, the insurance market is rapidly tightening, especially for home and auto insurance. This holds true nationwide, but states like California, Florida, and Texas feel the brunt.
Key Points:
Reasons for Change: 1. Claim costs have surged in recent years. 2. Increasing material and labor prices affect the costs to rebuild homes. 3. Car repair expenses have soared due to advanced technology and parts. 4. Rising medical care costs, notably for auto injuries. 5. Increased litigation expenses. 6. Higher frequency and severity of post-COVID auto accidents. 7. Reinsurance markets are strained, with skyrocketing rates. What You Can Do:
Remember, insurance agents are intermediaries. They navigate this evolving landscape, ensuring you get the best possible coverage. At Rollo Insurance of Dripping Springs, we’re experiencing the same challenges and are striving to guide you through. If you're looking for home or auto insurance for you or your family, get in touch with us today. We are more than happy to provide you with a free insurance quote.  Are you in the process of buying a new car? Don't forget to get auto insurance! According to Forbes, an estimated one in eight drivers operates their vehicle without the necessary insurance. Auto insurance is an important part of responsible car ownership. Let's take a closer look at a few reasons why.
1. You're Required to Have Coverage There are many reasons to have car insurance, with the most popular one being that it's required in the state of Texas. Your job may also require that you have coverage if you use your vehicle for work. And finally, most financial institutions carry a certain amount of insurance coverage as a condition of your car loan. These are all important reasons for you to always have insurance protection for your car. 2. You Need to Protect Your Vehicle Many of us rely on our cars for transportation to work or to meet other obligations. Without the proper level of insurance, you can put your livelihood in jeopardy. When you have a comprehensive policy, you could enjoy features like rental car coverage, towing services, and roadside assistance. All of these services will be helpful if you ever have an accident and need assistance when your car is being repaired. Now's an ideal time to review the policies that are available in our area to ensure that you have the coverage you need now and into the future. 3. It's the Financially Responsible Choice Having to pay out of pocket to cover auto repairs caused by a covered event isn't a financially responsible choice. With car insurance, your policy will cover the cost of repairs when you're involved in an accident or another covered event. This is especially true when an accident causes injury or property damage. Without the right insurance coverage, you could be held personally liable for the cost of damages. This type of scenario can make financial stability incredibly difficult. The right insurance policy can protect your financial interests and prevent you from having personal financial liability. Not only can Rollo Insurance of Dripping Springs help direct you to the correct coverage, we can also help you select a car based on policy affordability. Give us a call today and let us help you with all of your auto insurance needs. We look forward to working with you!  If you feel overwhelmed and confused by health insurance, you aren't alone. According to the CDC, 29.6 million people under the age of 64 don't have health insurance in America. Many people choose to skip health insurance, even employee health insurance, all together simply because it's so confusing to choose the right coverage. This quick guide will provide you with some information on how to choose the right coverage.
Different Plans for Different People The first thing you need to know is that there are different employee health insurance plans for different types of people. Health insurance is definitely not a one size fits all type of service. The reason that there are different plans for different people is so that families can choose a plan that would suit their particular needs. Health needs can vary greatly from person to person. An individual that is relatively healthy will not need the same types of coverage as someone who is chronically ill. This is why different plans exist. Evaluate Your Health Needs The first step in choosing the appropriate employee health insurance coverage is to evaluate your health needs and the health needs of your family if you'll be providing coverage for them as well. How often do you visit the doctor? Do you use a specialist? Are you on any type of maintenance medication? Do you have ongoing or chronic health problems? These questions can help you determine what level of coverage you might need. Evaluate Your Budget As with most services, you will also need to evaluate your budget so that you can choose a plan that works for your financially. Health insurance plans come in different packages to help families plan financially for this big expense. The best way to determine which type of plan would work for your family is to sit down with an insurance professional. They'll be able to evaluate your particular needs and suggest plans that might work well for you. Keep Track of Deadlines Insurance in the US operates on specific deadlines called "Open Enrollment" periods. During open enrollment, participants can sign up for services and coverage for the upcoming year. It's important to observe when these windows open and shut, because in some cases that may be the only time you can enroll. If you would like to learn more about health insurance, please contact Rollo Insurance today. We look forward to helping you choose the right insurance plan to suit your needs!  Whether you own a home, a commercial property, or both, you need property insurance to protect it. According to IBISWorld, the U.S. had 410,176 insurance agencies and brokers at the start of 2023. That's a lot of licensed insurance producers available to provide you with insurance protection. How do you know which insurance agent or broker to use? Let's take a closer look and what you should look for in an insurance producer.
Proof of Licensing and Bond Protection An insurance agent or broker should be licensed to do business in the state in which you live. Every state has a process that gives insurance producers the licensing needed to sell insurance within their respective borders. An insurance agent should have a state licensing certificate that affirms that person's professional credentials. The agency or brokerage also should be bonded to protect policyholders against mistakes that might be made. You should be able to see proof of licensing and bonding. Works With Top-Rated Insurers You need to do more than locate an insurance agent who is licensed, bonded, and reputable. The policies an insurance professional offers should be reputable. An insurance policy only is as good as the insurance company that underwrites it. If the insurer goes bankrupt, your residential or commercial policy could be completely worthless. You should check the roster of insurers with whom the insurance producer does business and make sure those insurers are solvent, reputable, and have a strong history of supporting their policyholders. Ability to Get Rate Discounts Your insurance agent should know how to help you to obtain discounts on your insurance premiums without sacrificing your coverage. The agent or broker should know if installing a security system, fire suppression system, and other preventive equipment will lower your rate, for example. The ability to help you to get the best coverage for the lowest price is important. Now that you know some of the important things to look for, you can get started. Give Rollo Insurance a call today to find out how our accredited team can help you get the best coverage for the best price.  Every driver should have car insurance, and most states require it. However, according to Forbes, one in eight drives without auto insurance. If you don't have car insurance, feel as though you are paying too much, or are dissatisfied with your current coverage, here's how to choose a new policy.
Choose the Right Deductible Your deductible is the amount of damage you have to pay before your insurance kicks in. The lower your deductible is, the more you'll have to pay for your insurance each month. $1000 is a common choice for an auto insurance deductible, but you’ll need to figure out what works for your budget. Get Several Quotes Don't get an insurance policy from the first company you talk to -- getting quotes is one of the best ways to save money. At Rollo Insurance of Dripping Springs, we have access to dozens of providers. Each one has different policies and price points, and we take the time to review them all to determine the most cost-effective and comprehensive option for you. There are so many factors that affect the cost of car insurance, so it's smart to review each quote carefully. Many of our clients dread adding teen drivers to their policy. However, we have saved them a great deal of money by shopping their insurance and finding the right carrier for their needs. We can also advise them on the types of vehicles that they can purchase for their teen to help save even more money. Don't Get Unnecessary Coverage There are some insurance agents who will pressure you into adding additional coverage to your policy. It is crucial to speak to a trusted and knowledgeable representative who can help you evaluate whether you are fully covered with a standard policy, or you need a more comprehensive plan. This is determined by a thorough review of many factors including your vehicle type and driving habits. Look for Discounts Many insurance companies offer discounts based on your history as a driver or your status as a citizen. You may qualify for a discount if you're a veteran or if you have a clean driving record. Look for insurance companies that offer discounts that can save you additional money. As a driver, you can expect to spend quite a bit on insurance throughout your life. Choosing the right policy can help you save money and get the best coverage for your car. If you need car insurance, contact Rollo Insurance of Dripping Springs today to request quotes. We have access to dozens of providers and look forward to finding you the coverage you need!  There are a lot of homeowners in the United States. Because of this, the U.S. homeowners' market for insurance has a value of $105.7 billion in 2023, according to ComfyLiving. But what exactly are the benefits of homeowners insurance? In this blog, we'll explore why so many people choose to have insurance on their homes.
Your Outbuildings and Secondary Structures are Protected Homeowner's coverage protects all the contents of your property, not just the main building you happen to live in. Garages, sheds, barns, and other parts of your home are also protected by your homeowner's insurance, which ensures that your pets and property are protected by the same coverage that protects your home. Your Belongings Are Protected Inside Your Home Homeowner's coverage makes sure that when you bring new things into your home, you have a way to replace them if they're destroyed, lost, or stolen. This can be an especially important thing as you live in your home for longer and have more things to protect. Make sure that your belongings are protected by making sure that the home around them is protected. You Have Protection from Natural Disasters Natural disasters are happening more than they ever have, according to USAFacts. Your homeowner's policy can protect you from everything that isn't explicitly excluded from the policy's coverage. In most cases, you will need a second policy for flooding if you live in a flood-prone area, and some policies, especially in low-lying areas, may be difficult to cash in, in the event of climate change-related damage. You Can Have Reduced Liability for Damage Legal liability is a significant problem for homeowners. Injuries, if they can be traced to your property, are your legal responsibility even if you're not home and even if the condition that caused the injury was set in place years before you took residence. They are still your responsibility. Your insurance can make that much easier to handle by assuming the financial responsibility – up to a certain point. Check the liability limits to your coverage, and make sure you have a balloon policy if necessary. Your homeowner's insurance will help you rest easy knowing that you're covered from most major incidents. Talk to your insurance specialist at Rollo Insurance in Dripping Springs to learn more about homeowners insurance. We look forward to working with you!  Buying your first home is a time of great excitement and immense responsibility. Every new homeowner should be aware of the various aspects that come along with owning a property, including home insurance. Let's review some of the things any new homeowner should know.
1. Insurance Is a Necessity According to Comfy Living, 85% of homeowners in the U.S. have insured their homes, and there is good reason for it! Whether it's your first home, a vacation property, or an investment rental, home insurance is a must. It's essential for protecting your investment and covering potential damage. It can help cover the cost of repairs if you experience a natural disaster or robbery and provide liability protection if someone becomes injured on your property. This can give you peace of mind as a new homeowner. 2. Shop Around for the Best Rates Every home insurance company is different, and the rates you receive will depend on where you live and your personal needs. At Rollo Insurance of Dripping Springs, we do all of the research for you by getting quotes from different companies, and comparing them to find the best deal. Don't be afraid to ask questions and find out more about the coverage you're getting. As a new homeowner, it pays to let us shop around to get you the best rates. 3. Homeownership Has Additional Expenses Even if you pay for your home in cash and don't need a mortgage, homeownership will still eat into your pockets. Plan for repairs and maintenance, insurance payments, taxes, and utilities. As a new homeowner, you'll want to keep your budget in mind at all times and ensure you're prepared to cover these costs. Also, bear in mind that it's possible to lose a paid-off home due to unpaid property taxes. 4. Get to Know Your Neighbors Getting to know your neighbors is a great way for new homeowners to build a sense of community. Fostering good relationships with your neighbors makes it easier to keep an eye out for each other's properties and watch out for strangers. Such positive relations are important if you ever plan to be away from home for a while. 5. Home Maintenance Is Key A well-maintained home requires regular upkeep and preventative maintenance. This work includes checking and replacing HVAC filters, caulking around windows to keep out drafts, ensuring gutters are properly draining, and checking for water leaks. Taking care of the smaller issues now can help prevent more serious problems in the future. Owning a home for the first time is a rite of passage, and it can be both exciting and intimidating. Knowing the facts and being prepared for the responsibilities of homeownership will help ensure a successful experience. If you're in need of home insurance for your new property, contact Rollo Insurance today to learn more about our policies. |
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