Rollo Insurance Blog
Homeowners insurance is essential for any residential property owner. It's often underestimated how frequently damage can strike a house. From flooding to fires, you should be prepared for anything. Let's explore the most common homeowner’s insurance claims that may be of concern to you in the future.
Weather is by far the most common claim among homeowners. High winds can cause severe damage to a home. Pairing severe winds with hail is a nightmare for anyone with a house and car. Whether it's damage to your roof or your windows, rough storms have the potential to devastate your wallet. Stay insured against hailstorms and tornadoes to prevent hours of headaches in the future.
According to Comfy Living, 78% of homeowners with insurance have an HO-3 policy. While an HO-3 policy can cover some common water damage, flood damage is from outside water coming into the home and is NOT covered on any insurance policy. Pipe bursts and leaky appliances can wreak havoc on your house. Water damage can be caused by 2 different items.
One is water seepage and leakage; for example, burst pipes, a dishwasher seal leaking or a shower tub liner leaking. The other is water back up which is water being pushed into your home through outside lines from a blockage in the septic or plumbing lines. These problems not only cause water damage but can lead to mold and other health risks. Discuss these concerns with your local insurance agent to stay covered against any type of water damage that may occur.
Fires can spur in your home in hundreds of different ways. An electrical fire or cooking accident can cause thousands of dollars in damage. A house fire can escalate quickly, with the potential to destroy a large portion of your property. When discussing plans with a local insurance agent, ensure you get coverage over any potential fire damage.
Other Property Damage
There are some forms of damage no one can predict. Whether your home gets hit by a stray soccer ball or a tree, property damage is often random and unpreventable. Strong coverage from a local insurance agent can cover expenses such as debris removal and damage to trees and shrubs, as well as common repairs. Coverage can vary depending on policy, so make sure you stay covered against the unpredictable.
A quality local insurance agent can help you with any of your specific insurance needs. If you're looking for the best home insurance in Dripping Springs, Rollo Insurance can guarantee satisfaction. Call us today or fill out a form for a free quote on any of your insurance needs.
Investing in the right health insurance policy is vital for your and your family's well-being. You're likely aware that health insurance is important, but you may not know exactly how it can benefit you. Let's look at a few of the biggest reasons why it's critical to get quality health insurance from a dependable local insurance agent.
Helps You Stay Healthy
It's hard to say anybody wants to be sick. Fortunately, getting check-ups, immunizations, and other services from medical professionals will greatly help your long-term health. If you have any pre-existing conditions, health insurance can cover the maintenance and prevention of any chronic illnesses. According to the CDC, 29.6 million people under the age of 65 don't have health insurance. People who are not covered under insurance are exposing themselves to all the uncertainties life has to offer. Preventing any illnesses and other medical conditions before they happen can ease both your quality of life and your wallet.
Protects from High Costs
A trip to the doctor's office can sneak up on your wallet. Whether it's a small cold or a multiple-night stay at the local hospital, the costs will likely add up. Getting health insurance can protect you from these sharp, unexpected costs that could financially hurt you. Depending on the severity, health problems and accidents can truly cost you an arm and a leg. Protect yourself from the high costs of the medical world by working with a qualified local insurance agent.
Provides Calmness of Mind
It doesn’t matter how young, healthy, or fit you are; illness and injury can happen anytime, anywhere. Having access to medical care no matter the scenario can ensure there is no more fear of seeking medical assistance. You'll surely sleep better knowing your health is covered. Having this "safety net" in the case of a serious accident or illness takes some serious weight off of your shoulders. Don't bear the risk of going uninsured; the health and financial risks are too high to take the chance.
If you're looking for a local insurance agent in the Dripping Springs area, give Rollo Insurance a call today or fill out a quote form to get a free estimate on your home, auto, business, life, health, or any other insurance you may need. We are looking forward to hearing from you soon!
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.
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.
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.
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!
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.
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!