Holiday Shopping Safety

Holiday Shopping Safety

Personal Insurance and Safety Update

Halloween is over and that means we are in the middle of the holiday season.  During the next 60 days, we will all be busy shopping, eating out, and traveling.  Thieves know that the police are overloaded during the holiday season, and they take full advantage it.  Burglars know that there are many expensive items in homes and cars during the holidays.

Your home or renter’s insurance will provide coverage for theft or loss if you have the coverage. Now would be a good time to call us for a free personal insurance review. Whether you are holiday shopping at the mall, online, or a little of both, keeping yourself and your personal information safe is important.  Here are a few holiday shopping safety tips:

Holiday Shopping Safety

Always be aware of your surroundings.

Lock your shopping bags in your trunk.

Never allow children to make unaccompanied trips to the restroom.

Never leave car doors unlocked or windows open.

Always park in lighted areas. DO NOT park in remote areas.

Shop with a friend.

Teach your child to go to a store clerk and ask for help in case your child is separated from you.

Avoid wearing expensive jewelry.

Keep receipts in your wallet or purse.

Avoid carrying large amounts of cash.

As you return to your car, make sure to keep your car key in your hand.

 

Home Insurance Update

Many homeowners have experienced premium increases. Our agency works very hard to bring our clients the best possible combination of premiums, coverage and service.

What Can We Do To Help?

We are an independent agency.  This allows us to search the market for the best possible combination of premiums, coverage and service. We compare insurance company’s rates and use the competitive market to your advantage. Here are some ways to save on your premiums:

  • Purchase all your insure through our agency
  • Ask us about additional discounts
  • Consider increasing your deductible
  • Keep your home well maintained
  • Replace your roof, water heater and other equipment when needed
  • Review your policy regularly- you may not need the same kind of coverage you did a few years ago

Remember to call our office today. We will work hard for you.

There Are Many Ways to Get Discounts on Your Auto Insurance

An Auto Insurance Update

Everyone likes to get the best possible combination of price and coverage on their auto insurance.  For the most part, your auto insurance is based on your driving record and the type of vehicle insured.  There are a few things you can control when it comes to purchasing auto insurance.  Many insurers offer a variety of discounts that can affect your auto insurance premium savings.  Discounts may vary from insurer to insurer.

Good student discount. For teen drivers, this can save hundreds of dollars. Typically, if your student maintains an A or B average, the discount will apply.

Multi-policy discounts. Most insurance providers offer discounts to customers who carry more than one line of insurance with them.

Drivers education courses. Many insurers offer discount if drivers have taken driver’s education courses.

Military discount. Many insurers offer discounts for military service.

Equipment discounts. If your vehicle has special safety equipment, you may be eligible for discounts.

Call our office for more information on how these discounts may apply to your situation.

Personal Insurance In Texas

With more than 75 years of combined insurance experience, Davidson Stewart Morelock Independent Insurance Group, LLC (Davidson Stewart Morelock) was founded with the mission to provide exceptional customer service and comprehensive insurance coverage to its valued customers through each stage of their lives.

As an independent insurance agency, we are able to offer the best auto, property, life, health, and business insurance rates and coverage options in Dallas, including coverage options from top insurance carriers such as Progressive, Travelers, MetLife, Safeco, and many more.

How to Save Money on Your Auto Insurance

 

We are always searching for ways to help our clients save money on their auto insurance. Saving money on is a relatively quick way to lower the cost of operating your car in Texas, and can be accomplished with a quick phone call to our office There are many ways to lower your auto insurance costs without eliminating needed coverage. Here are a few ideas to consider:

Use an independent agent to provide a quote. We are an independent and has access to many markets that provide competitive premiums on auto insurance.

Multi-vehicle discount (if you have more than one vehicle on the policy).

You can receive discounts if you combine your home and auto with the same carrier.

Good student discount.

Good driver discounts.

Consider raising your collision and comprehensive deductibles if your vehicles are older.

Customer loyalty- if you stay with a company for a period of time, you can receive discounts each year.

Drive safely and don’t get tickets.

Consider insurance when making your car purchase. Some vehicles are more expensive to insure.

Little Known Home Hazards

A Homeowners Insurance Update

We all know how to keep our home safe from fires, burglars and other major homeowner’s risks. Your homeowner’s insurance covers many different kinds of losses. Cooking, candles, and smoking are the biggest causes of house fires in the United States. However, there are a few hazards around the home that many of us don’t think about.

9volt Batteries

9volt batteries can create fire when exposed to many kinds of metal. Keep 9volt batteries stored in a plastic container.

Smoke Alarms That Are Not Working

A large percentage of homes fires go un-noticed because of smoke alarms that don’t work. A working smoke alarm can be your best defense to notify you of a fire.

Dryers

Over 20% of home fires start as a result of poorly vented or dust filled dryer vents. Check your dryer vent every time you use your dryer.

Candles

Candles left unattended are also a major cause of home fires. If you use candles, make sure they are kept away from flammable items and blow out before you leave the room.

A Personal Insurance Guide

When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

Items To Consider (you may need insurance for some of these)

Bought a new car or sold a car

Changed your marital status

Bought a boat, RV or ATV

Change of address

Welcomed a new baby into the family

Major inheritance

Have a new teen driver in the family

Child headed off to college

Purchased second home

Planned foreign travel

Started a home based business

I now drive my personal car for work

Personal Insurance

Review my insurance to make sure I have the right coverage

Take the time to read my insurance policies

Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?

Make sure I have identity theft insurance

Do I have enough life insurance?

Do I need life insurance for my spouse?

There Are Proven Ways To Reduce Your Auto Insurance Premiums

Auto Insurance

When it comes to purchasing auto insurance, having options can be a very important way to save money. Putting money back in your pocket is one of our primary goals.  We know and understand the auto insurance market.  This allows us to provide you with the best possible combination of pricing, coverage and service.

Auto insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV and campers, while others can offer better rates for motorcycles.

How to reduce your auto premium

There are many things you can do to keep your auto rates at the lowest level possible.

Review your deductibles. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs by 15 to 20 percent.

Encourage your student driver to get the best grades possible. Most major insurance companies offer a discount for students in good academic standing.

Select a safe car. Check out which cars are popular with thieves and avoid them. Also, the more expensive the car, the higher the premiums.

Be a safe driver. The more accidents and tickets you have, the higher the premiums will be.

Purchase a car with an alarm or LoJack. LoJack® Stolen Vehicle Recovery System provides car owners with peace of mind knowing that if their vehicle is stolen, they have the best chance of getting it back.

Be loyal. Many auto insurance companies offer loyalty discounts if you stay with them over time.

Check for other auto insurance discounts. These might include taking safe driver courses, senior discounts and more.

You might be able to pay less for your car insurance premium and not even know it. So it pays to connect with us to review your insurance needs.

Business Insurance Has Risks

We Help You Understand the Risk vs. Reward

We understand that your business is unique.  You serve people first, and foremost.  Just because you are a small business does not mean you are exempt from litigation.  Commercial Liability Insurance from Jewell Insurance offers protection to your businesses.  It covers claims from property damage and/or bodily injury to a third party caused by your business operations, or from your premises.  This general liability coverage may also provide for the legal defense of the insured.

General Liability Insurance should be the foundation of your insurance program.  General Liability Insurance provides the following coverage:

Bodily Injury – Bodily Injury to a third party.

Property Damage – Damage to a third party’s property (equipment building etc.).

Personal Injury – Injury to the mind or emotions, as opposed to an injury to property.

Advertising Liability – Damages arising out of advertising, libel, slander, or invasion of privacy.

Products and Completed Operations – Liability arising out of products or business operations and services conducted, excluding professional services.

Premises – Covers liability arising out of injury to third parties while on your premises.

Medical Payments – A general liability coverage that reimburses others, without regard to the insured’s liability, for bodily injury while on your premises.

General Liability Insurance is designed to cover defense costs as well as judgments.  It is an important part of your recommended insurance program.

 

Are You Covered if you Rent out Part of Your Home Through Home-Sharing Networks?

A Personal Insurance Update

More and more people are deciding to rent out a room to third parties through home-sharing networks. This can be a good way to make extra money to help you pay your mortgage or other expenses. Many people still do not understand if their homeowner’s insurance provides coverage for this exposure.  Do you know who is liable if your renter is hurt while on your premises?

Here are facts that may help you decide if you want to rent out a room or your second home:

If you have a rental, you are not covered under a standard homeowner’s insurance policy.

Some home-sharing companies may offer coverage, but there could be coverage gaps.

There may be no coverage for injury to your neighbor’s property, injury to your neighbor, theft of your property, or stolen items.

It is best to check with our office about the coverage options you may need based on your individual circumstances.  Our goal will be to provide the best possible combination of coverage, price, and service.