Is a Certified Pre-Owned Car Better Than a New Car? »
A CPO program gives the consumer the security of an automaker’s guarantee and warranty, with the cost savings of buying a used car…
700 Lavaca StAustin, TX 78701
I like the personal and professional service. I saved money and got great coverage with options of many top companies in minutes. I will recommend you to anyone looking for any insurance. We had many needs, and needed help quickly and affordable. Steve was great and I would definitely recommend…
9705 Burnet Rd Ste 314Austin, TX 78758
My family doesn't trust any other agent in Austin, they take care of us, whether it's helping us find the best deal on the family RV, or helping us get set up with a good plan for our soon to be sixteen year old and driving son. AIG has been there for our family, and we recommend letting them be…
11824 Jollyville Rd Ste 202Austin, TX 78759
From Business: Serving Austin since 1982, Greater Austin Insurance Agency, Inc is a full service independent agency providing products and services for all lines of insurance and bonds. The agency represents a number of insurance companies with markets available for almost every insurance need.
Austin, TX 78727
From Business: When shopping for insurance, most people are unaware that there are different kinds of agents they can work with. Choosing the right one can make a big difference in securing the best combination of price and value. With a captive insurance agent, you only get the guidance of one company that sells one brand of insurance. …
1524 S Interstate 35 Ste 305Austin, TX 78704
From Business: I’ve been working in the insurance industry since 2012. I began working as an Allstate agent in 2016 because I believe in the Good Hands. My agency is cutting-edge and driven by forward thinking and technology. I have a great staff, some of whom also speak Spanish. We are knowledgeable about this business and would love to…
617 W Slaughter Ln Ste 107Austin, TX 78748
From Business: As your personal Farmers Insurance agent located in Austin, I believe in keeping you informed of ways to protect what's important to you. Whether you're looking for auto insurance, homeowners insurance, life insurance, or specialty coverage, Farmers Insurance will help you select the right products to fit your insurance ne…
10700 N Lamar BlvdAustin, TX 78753
From Business: Service Centers are a one-stop facility for vehicle inspection/repair management. Call to file a claim and make an appointment. Then drop your car off, we’ll handle the rest and guarantee repairs.
9001 Cameron RdAustin, TX 78754
From Business: At Fire Damage Insurance Claim of Austin, we offer a fast, professional, and experienced services in commercial, residential, and emergency restoration services the 365 days at any time. Our technicians are licensed, bonded, and certified for any of the services needed and are experts in emergency water removal, flood clea…
11215 S IH 35 Frontage RdAustin, TX 78747
From Business: At Flood Damage Insurance Claim of Austin, we offer a fast, professional, and experienced services in commercial, residential, and emergency restoration services the 365 days at any time. Our technicians are licensed, bonded, and certified for any of the services needed and are experts in emergency water removal, flood cle…
11500 Bee Cave Rd #200Austin, TX 78733
From Business: At Water Damage Insurance Claim in Austin, we offer a fast, professional, and experienced services in commercial, residential, and emergency restoration services the 365 days at any time. Our technicians are licensed, bonded, and certified for any of the services needed and are experts in emergency water removal, flood cle…
10601 Ranch Rd 2222Austin, TX 78730
From Business: At Austin Fire Damage Insurance Claim, we offer a fast, professional, and experienced services in commercial, residential, and emergency restoration services the 365 days at any time. Our technicians are licensed, bonded, and certified for any of the services needed and are experts in emergency water removal, flood clean u…
4300 N Quinlan Park RdAustin, TX 78732
From Business: At Fire Damage Insurance Claim in Austin, we offer a fast, professional, and experienced services in commercial, residential, and emergency restoration services the 365 days at any time. Our technicians are licensed, bonded, and certified for any of the services needed and are experts in emergency water removal, flood clea…
2422 Ranch Rd 620 SAustin, TX 78738
From Business: At Austin Flood Damage Insurance Claim, we offer a fast, professional, and experienced services in commercial, residential, and emergency restoration services the 365 days at any time. Our technicians are licensed, bonded, and certified for any of the services needed and are experts in emergency water removal, flood clean …
3445 Executive Center DrAustin, TX 78731
A CPO program gives the consumer the security of an automaker’s guarantee and warranty, with the cost savings of buying a used car…
Four tips for keeping yourself and your vehicle safe while you wait.
We have a few tips from The Car Seat Lady co-founder Dr. Alisa Baer to keep your kids safe on the road.
We were having problem with our washing machine. My wife call the Home Service Club but I was there for the appointment because I am retired and I am usually able to bend my schedule. The guy that came was young man who had been doing the job for 3 years. After working on the washer for some time, problem solved!
When we were having problems with our hot water heater, the Home Service Club sent an excellent repair company. The technician showed me the defective part in answer my questions about the replacements. They were efficient and were quick to order and return to replace the parts. After the work was complete the technician gave me his cell number to call in case there were any issues that came up.
Our AC unit prevented a bit of a conundrum. It's a complicated unit since we've had to install it after the house was built. it wasn't cooling the rooms the same way it had in the past. The rooms would get cooler but not cool enough and it certainly wasn't reaching the temperature and that it should have. the technician that the home service Club sent was extremely thorough and spent a lot of time looking at our unit. He seemed intrigued by the unit and would not give up until he found the problem. Once he did find the problem he spent time working on it it took him about an hour but then he had our AC back up and running. I'm in my home office typing this and it's as cool as the inside of my refrigerator right now. Pretty much just how I like it.
Fridge started pooling water so I called the Home Service Club. When the tech came he automatically suspected a blocked defrost drain. However, he took the time to look things over to confirm his suspicions which ultimately were right. It took him a short while later to be done but he unblocked the drain and no more water.
My mother visits us for extended visits from India. She comes to help with the kids but she also likes to clean out my house when she comes. I am very busy working as a doctor and it is difficult to keep up with so many of the things that are going on. My mom noticed that the frost was building up in the freezer. She showed me that it was a lot of frost. I entered a claim online and made sure that I put her number as the contact number. My mom arranged with the repair people to come and repair during the hours that she would be available. The repair was completed before I returned home from work. My mom was impressed with the repair technician she said he was a very nice young man who even helped her get some bags from the car that she found too cumbersome.
As a mom with two small children and one messy dog, having this warranty is a lifesaver! Our washing machine went out last week and I rely on it heavily. Our dog was sick at the same time and making a mess all over the house. Especially on our couch which thankfully has removable fabric covers. . Thank you Home Service Club!
The Home Service Club sense and HVAC company out to fix my AC. the company seems pretty text savvy because they came with a infrared detector to map thermal patterns. They were able to see where the HVAC was not working. It helped them to tell where we were having problems with our duct system.
We went online and enter the claim through the Home Service Club portal. We were having a problem with our garage door. the Home Service Club sent a local garage door company to fix the problem. There was a issue with the motor and small part needed to be replaced but they had the parts with them in their truck. The work was completed in one visit.
You never realize how important it is to have people who do this line of work until something that you rely on everyday breaks. When my trash compactor stop working, these guys came out quickly I got my trash compactor up and running.
They always exceeds my expectations. This past Week I had to call them from my mother-in-law's downstairs apartment. Basically she lives with us in an apartment that is a part of our home but sectioned off. The refrigerator in her apartment hadn't been working. for a while it didn't matter because she wasn't well and my wife and I were making her food and bringing it to her anyway. However, ever since she's been well she wanted to stock up her fridge and start cooking for herself. So I called the Home Service Club about the refrigerator. They sent a very kind technician who was really patient with my mother-in-law who has a tendency to ask tons of questions. he repair the refrigerator and also clean behind her fridge.
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.