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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

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

Boat Insurance Irving TXIs Your Boat Properly Protected?

Since your boat is a part of your personal property, you may assume that it is protected by your homeowners insurance. Unfortunately, that is a common misconception that could leave you sunk financially. Generally, homeowners insurance and auto insurance policies do not cover your liability, possibility of theft, or physical damage.

How, then, do you stay safe out on the water, at the dock, and in tow? To best protect your boat, insurance agencies have created a product specifically for it- boat insurance. Boat insurance is important to carry as a boat owner because it protects you in three definite areas.

  • At Your House: While there is a chance your homeowners insurance will cover your boat while at your home, your boat insurance will offer protection for the other assets on your boat, including your anchor, navigation system, and life jackets.
  • On The Trailer: Although your auto insurance policy may cover the trailer on which you tow your boat, it is important that you talk with your insurance agent to discern if your boat will be covered while it is en route to the water.
  • On The Water: Are you and your passengers protected while out on the open water? So you can have the peace of mind you need to relax on the water, boat insurance can step in. This type of coverage ensures that any physical damage and liability will not become an expense you have to cover.

Fortunately, getting the boat insurance you need to rest easy no matter how the waves (both literal and figurative) buffet is simple. To get the best coverage for your boat, contact Global Financial & Insurance Services. Our team of experts is here to meet all of your Carrollton, Irving, and Stafford coverage needs. For all of your Texas boat insurance questions, call us today!

Boat Insurance Irving TX

Anchoring Your Boat With Insurance Coverage

Earthquake Insurance Carrollton, TXA Basic Overview Of This Coverage

Earthquake insurance is a type of coverage most people say they want, but few actually have. Why? Because many homeowners assume their home insurance coverage includes protection against a quake. In fact, though, most standard homeowners insurance policies do not protect against movements of the earth, including landslides and earthquakes.

This is problematic, as seismologists say that a major earthquake will definitely occur in the next 25 years and should that quake occur in a populated area, it could cause up to $200 billion in damage.

Do not leave yourself exposed to the possibility of an earthquake shaking the financial foundations of your life. While earthquake insurance can be costly in quake-prone areas like California, it does not have to be unaffordable! In fact, when you talk with a local Texas agent about getting your coverage, he or she will be able to help you get the most cost-effective protection against earthquakes.

Unless you are in a position where you would be able to easily cover the cost of rebuilding your home and replacing all of your personal possessions, you should seriously consider carrying a separate earthquake insurance policy in addition to your existing homeowners insurance coverage. This policy will help you rebuild your home, repair or replace your belongings, and even help you cover the cost of other living arrangements in the meantime.

To learn more about how you can protect your home against an earthquake, contact Global Financial & Insurance Services. We are educated about the exact level of exposure you face in Irving and can help craft the right earthquake insurance policy to protect you. Getting full coverage for your Texas home does not have to be a hassle; we are here to create the right insurance portfolio at the right price!

Earthquake Insurance Carrollton, TX

Earthquake Insurance 101

Life Insurance Carrollton TXHow This Type Of Coverage Can Protect Your Loved Ones

Life insurance is not the most fun thing to think about. After all, thinking about this insurance product requires us to come face-to-face with our own mortality. Do not let that keep you from considering this coverage, though; not carrying life insurance can make life much more difficult for your family after you pass away.

When you are no longer with your family on this earth, they will have to adjust to life without you. That will already be difficult emotionally, so it is important that you do not make it financially challenging for them as well. With a life insurance policy, your family has a cushion to adjust to life without you and your income.

Consider that your passing away can affect your family’s financial future in three ways: 1. They will have to cover the expense of your funeral, 2. They will have to learn to survive without your income, and 3. They will have to figure out how to continue towards their financial goals. Do not leave your family without answers to all of these questions; obtain life insurance today.

When you pay into your life insurance policy, you pay into your family’s quality of life in the future. With this insurance product, you ensure that your family gets to live comfortably even after they can no longer depend on you. Show how much you care for your loved ones by safeguarding them with a life insurance policy.

You have the ability to protect your family beyond your lifespan with life insurance coverage. For this kind of safeguard, contact Global Financial & Insurance Services. We serve Irving, Stafford, and Carrollton and are here to help you get the Texas coverage you need to have peace of mind.

Life Insurance Carrollton TX

The Importance Of Life Insurance

Business Insurance Irving TXHelpful Tips For New Business Owners

When you start a new business, you may have a lot of questions about how to be as successful as you desire. As you launch your business keep these tips from successful business owners in mind, as it could make all the difference in your success!

  • Focus! You may feel the need to jump at every opportunity that comes your way, but this can actually hurt your business in the long run. Doing too many things at once can spread your resources thin and distract you from your original goals.
  • Do what you know. Doing something you know and love will make you happier to go to work every day. You want to be profitable, but you want to be happy with your business too.
  • Develop an elevator speech. For those chance encounters with potential customers or investors, you should have a short speech to interest them in knowing more. It should state your mission and goals clearly. Less is always more, so try to keep it around a minute.
  • Know what you need to learn. Admitting or acknowledging that you do not know something will enable you to surround yourself with people who can help you.
  • Get the coverage you need before you need it. As the saying goes, it is better to be safe than to be sorry. Finances can be tough when you first start a business but get all the necessary insurance that you can early on. This will protect you from costly repairs that could bankrupt your business if something unexpected happens.

Let us help you keep your business safe as it grows. Contact Global Financial & Insurance Services in Irving for all of your Texas business insurance needs. Protect your new business with a great business policy today!

Business Insurance Irving TX

Tips For First Time Business Owners

E&O Insurance Irving TXErrors and Omissions Insurance Information

If you have a commercial business, there are a variety of insurances policies that you may find useful. One type of insurance that could be beneficial to you is errors and omissions insurance. Many people do not realize they have exposure to errors and omissions before it happens. Protect yourself before you need the protection. Keep this information about errors and omissions insurance in mind to see if this insurance policy is right for you.

What Is Errors and Omissions Insurance?

This type of insurance covers your company, or you as an individual, in the event of a client holding you responsible for a service you provided or failed to provide that did not have the expected results or affected them negatively. For some professions, such as doctors, chiropractors, dentist, etc. it may be called malpractice insurance. Most policies cover settlements and defense costs in the event of a lawsuit regardless of the outcome.

Who should have Errors and Omissions Insurance?

The most common professionals that need error and omission coverage are doctors, lawyers, architects and the like. However, anyone who deals with clients and provides services, such as advertising agencies or event planners, could benefit from getting an errors and omissions policy.

Why does your business need this insurance coverage?

There are no guarantees in life, and everyone makes mistakes. If you provide a service to people, then you are at risk for errors and omissions. Having an errors and omissions insurance policy can give you peace of mind in case a mistake is made and can prevent a lawsuit from running your company into the ground.

Contact Global Financial & Insurance Services in Irving for all of your Texas business insurance needs.

E&O Insurance Irving TX

Why You Need Errors And Omissions Insurance