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Protect your valuable and meaningful ring with adequate insurance.

During the festivities of the holiday season, many couples get engaged and celebrate their life-long commitment to each other! It’s known that engagement ring sales hike up during the most wonderful time of the year. Whether you said ‘yes’ over Christmas, at beach during the summer, or two years ago, you’ll want to ensure that the rock on your finger is protected!

When purchasing the ring and budgeting for the big day, many brides and grooms-to-be overlook wedding and engagement ring insurance. This can be a costly mistake to make! For most young couples, wedding and engagement rings are among the most valuable items they own. Insurance can protect you from facing huge expenses (and an awkward conversation with your fiancé!) should your ring get damaged or lost.

Determine Value

If you’ve recently spent an arm and a leg on a ring for your loved one for Christmas day, you should have the receipt still in hand or buried somewhere in a drawer! This receipt enables you and your insurer to note the value of your precious piece which, in turn, allows for sufficient coverage to be applied.

If you’ve had your engagement or wedding ring for a while now, get it appraised! Don’t go on what you or your fiancé purchased it for as precious metals and precious stones increase in worth over time.

Insurance Left at the Altar

Your homeowners policy may not cover jewelry replacement if it’s lost or stolen when away from home. It also may not cover small damages such as a stone coming lose from the setting. For an extra couple of bucks a month, increasing your personal items coverage is worth its weight in gold! You may be able to insure high-value items individually, as part of your homeowners’ insurance.

Are you ready to say ‘yes’ to engagement ring insurance? Contact Global Financial & Insurance Services to get your precious ring protected! Whether you’re located in Irving or the surrounding areas of Texas, our dedicated insurance agents are here to find the best policy for you!

Engagement Insurance Irving TX

Say “Yes” To Engagement Ring Insurance

Don’t let water damage in your home drain your bank account.

A little water never hurt anyone, but a lot of water damage can create a lot of problems in your home. In fact, repairing water damage is averaged to cost over $10 per square foot – and that’s assuming you don’t have to worry about draining out remaining water or dealing with mold!

Fortunately, you can avoid the headache and the cost with these tips for preventing water damage in your home:

#1: Get Rid Of Gutter Gunk. We know it’s a hassle to get up and deal with the debris that’s built up in your gutters, but avoiding this task can send water exactly where you don’t want it. Clear out your gutters so you can rest easy during heavy rains.

#2: Snatch Up A Snake. A drain snake is not just a much greener solution to unclogging a drain than using a chemical solution, it’s also much easier on your pipes. After repeated use, the toxic chemicals used to clear out a clog can damage your pipes, causing leaks. Instead, pick up a relatively affordable drain snake at your hardware store.

#3: Put Thought Into Plant Positioning. If you’re planning to grow large plants or trees in your yard, make sure you plant them far away from any nearby pipes, septic tanks, or sprinkler systems. Otherwise, invasive roots could cause major flooding in the future.

If your home does experience water damage, would your homeowners insurance and other policies offer you the protection you need to reclaim firm financial footing on dry land? To make sure your coverage can protect you against the cost of water damage, contact Global Financial & Insurance Services. Serving Irving and surrounding cities in Texas, we’re here to make sure life’s what-ifs never drain your bank account.

Preventing Water Damage In Your Home

Down The Drain? Preventing Water Damage In Your Home

Did you know your Irving, TX homeowners insurance covers additional living expenses?

You already know that your homeowners insurance will go to bat for your family after a disaster, protecting you against the cost of rebuilding your home and replacing your personal belongings. If you’ve thought through that worst-case scenario, though, you know there’s another expense your family could face: hotel bills.

If a disaster leaves your house unlivable until repairs are completed, you and your family will (obviously) need to find another place to live. If you don’t have a generous family member or friend with enough spare rooms, that means you’ll find yourselves in a hotel. As your recent vacation can attest, hotel bills can quickly add up.

The good news is that you won’t have to be on the hook for covering those costs! Your Irving, TX homeowners insurance contains a type of coverage called additional living expenses which can cover hotel costs while your home is repaired. With this portion of your policy, you never have to worry about the cost of keeping a roof over your family’s head after a disaster.

What’s more, your additional living expenses coverage doesn’t just stop at housing. Your insurer understands that you’ll likely pay more for food without the use of your own kitchen, and will reimburse you for the extra expense that eating out more often brings to your family.

Do you have questions about how your additional living expenses coverage can help you fully safeguard your family’s quality of life? Would you like to learn more about all of the different ways your Texas homeowners insurance policy is protecting you? For extra insight into your policy and what it can do for your family, contact Global Financial & Insurance Services.

Additional Benefit Of Homeowners Insurance: Additional Living Expenses

Additional Benefit Of Homeowners Insurance: Additional Living Expenses

Changing your clocks? Make these other changes around your home.

If you’ve been finding it hard to get out of bed when the sun hasn’t even done you the courtesy of getting up, you’re not alone. That’s why so many of us are looking forward to getting an extra hour of morning sunlight when we “fall back” on November 1st.

Your clocks shouldn’t be the only thing you change at the start of next month, though. The twice-a-year need to move your hour hand can serve as the perfect reminder to tackle maintenance tasks that need to be done semiannually. Here are just a few to get you started!

  • Since you’re going to be relying on your furnace more and more in the coming months, this is the perfect time to change your furnace filter. Regularly doing so will help your furnace last longer.
  • While you’ve got your attention on filters, take a moment to clean your clothes dryer’s filter and hoses. In doing so, you’ll reduce your risk of home fires.
  • Go through your first aid kit and medicine cabinet and throw away expired medication. If you toss any for which you could have an immediate need, make sure you replace them right away.
  • Take a moment to update your home inventory, including any expensive purchases you’ve made with their receipts or appraisals. Having an up-to-date home inventory makes filing future insurance claims much easier.

At Global Financial & Insurance Services, we know that you put a lot of work into maintaining your home. That’s why we put a lot of work into getting you the right homeowners insurance policy to protect it. To make sure you have the policy you need at the price you want, contact our staff in Irving, Texas today.

Home Maintenance While You Set Clocks Back

Twice Yearly Home Maintenance You Should Do As You Set Clocks Back

How To: Prepare For A Natural DisasterUse these tips to prepare for a natural disaster.  

As the relatively recent major flooding in our state reminds us, natural disasters come without warning and with serious ramifications. Even though we can’t predict exactly when the next disaster will strike, we can take steps to get ourselves and our loved ones ready to best face it.

Your family can use these tips to prepare for a natural disaster, ensuring you can safely and calmly handle the next catastrophe.

  • Make A Game Plan. Sit down as a family and develop a disaster response plan. This plan should include at least two routes out of town (in case one is blocked), two meeting places: one in town and one outside of it in case your entire area is evacuated, and emergency contact numbers for everyone to memorize.
  • Minimize Damage Around Your House. A disaster will be limited in its damage if your home is up-to-date on its maintenance. Make sure gutters are cleaned out, seals around doors and windows are watertight, and dead leaves and other debris that could serve as kindling are cleared away. Look for other ways to defend your home against disaster.
  • Create An Emergency Kit. When you need to get out ahead of a disaster, only having to grab one pre-packed bag makes things easier. Create an emergency kit with water, nonperishable food, a radio, flashlights, extra batteries, a first aid kit, changes of clothes, and basic personal hygiene tools.

When a disaster heads your way, the last thing you’ll have time to focus your energy on is getting your home ready. So that you can put all of your attention on getting your family to safety, let Global Financial & Insurance Services set you up with the right homeowners insurance policy to protect your house and its contents. Our Irving, Texas team can give you one less thing to worry about during a disaster; contact us today!

How To: Prepare For A Natural Disaster

How To: Prepare For A Natural Disaster

Flood Insurance 101

modern interior loft

If you are one of the many homeowners wondering why you need flood insurance, it is important to look at the hardships residents in Dallas have been experiencing in recent months. In past years, many Texan homeowners assumed that they did not need protection against floods, however, recent Texas flooding has proven otherwise.

There is an overwhelming number of homeowners who overlook the importance of flood insurance for one of two reasons. The main reason homeowners do not purchase flood insurance is because they do not realize their homeowners insurance coverage will not protect them against floods. Nearly all standard homeowners insurance policies have specific exclusions against flood damages. The second reason why many homeowners do not opt for flood insurance coverage is because they assume they are safe from these natural disasters.

With the recent Texas flooding causing damages in excess of $61 million, the importance of securing flood insurance protection cannot be stressed enough. Would you be able to repair or rebuild your home after a flood from the money that is currently in your bank account and emergency fund or would an accident like this cause financial hardship for you? If you would not be able to pay for repair costs out of pocket, it is important that you purchase a flood insurance policy before it is too late. Many homeowners do not realize that flood insurance policies most often come with a 30 day activation period, meaning you cannot just buy a policy when a storm’s arrival is noted in the weather forecast.

Contact Global Financial & Insurance Services in Irving for all of your Texas flood insurance needs. Allow us to help you detect vulnerabilities in your homeowners insurance coverage and help you get protection against flood damages. We will help you obtain an affordable flood insurance policy that enhances your protection!

Importance Of Flood Insurance For Texas Homeowners

Jewelry Insurance Carrollton, TXAre Your Precious Gems & Metals Protected?

When you think about your valuables, your jewelry probably comes to mind immediately. In these tiny belongings, immense sentimental and financial value is stored. Consequently, you have probably given some level of thought to what would happen if they were damaged or stolen.

That might have left you wondering if your homeowners insurance coverage can protect your jewelry in the same way it does your other belongings. The answer is yes and no. While your home insurance policy does extend some coverage to your jewelry, it likely has limits on just how much. That means that if you have valuable jewelry, you will need separate or extended coverage to protect it.

Fortunately, you can work with your insurance agent to schedule your individual items of jewelry into your existing homeowners insurance policy. Scheduling items is generally very inexpensive (think $1 or less per every $100 of coverage) and will extend more than just your policy limits. When you schedule an item into your policy, you generally protect it against loss as well as theft. That means that by specifically covering your individual items of jewelry, you protect against not just theft or damages to your home, but also against your own moment of carelessness. We all make mistakes; why not safeguard against them?

Are you leaving your precious jewelry exposed? To get the right protection for your precious gems and metals, contact Global Financial & Insurance Services. We can tailor an insurance product for you that allows you to insure your jewelry with no deductible. Just imagine the peace of mind that comes with knowing you could replace your wedding ring without an out-of-pocket expense! To learn more about how we can help you rest easy in Irving, across Texas, and beyond, call us today.

Jewelry Insurance Carrollton, TX

Investigating Insurance For Your Jewelry