Rockwall Insurance

Effective January 1, 2011, the minimal limit for automobile liability insurance in Texas is $30,000 of coverage for each injured person, up to a total of $60,000 per accident, and $30,000 for property damage.

Insurance companies put an edorsement called inflation Protection on their policies.  The endorsement is designed to protect the homeowner from being under insured.  Each year as building costs increase, your home insurance amount also called Dwelling will increase in an attempt to keep up with these increases.

A calculator is used to determine the necessary rebuild cost of your home in the event of a total loss.  A popular company used by insurance companies and agents is MSB.  This program will calculate the replacement cost of your home based on information about the home including exterior and interior building materials.

BOP stands for Business owners policy.  It is a package policy that includes General Liability and Property.  It can be customized to include Building and Business Personal Property.  The advantage of this policy is that it includes many extra coverages that your business will need in the event of a claim to get your business running again.  These coverages vary by insurance company.

Various companies such as Safeco offer all of these types of insurance.  By having mulitple lines of insurance with a carrier you receive a package discount and the billing can sometimes be combined.

Yes, it can be purchased through Blue Cross Blue Shield on our website.  It does not cost any extra, in fact you will save the $30 application fee.  This will make our agency available to service your policy instead of a mystery person on an 800 number.

It is important to get the right amount of Life Insurance.  A needs analysis walks you through each reason to have life insurance and calculates how much you should have to protect your family.