Keep Your Home Safe While on Vacation

If you have a theft of your property while you are on vacation your insurance company will pay for the stolen items and damage of the intruders to your home, minus your deductible.  Some ways to prevent theft of items in your home are (1) have a neighborhood watch program, (2) video your contents in case of theft or fire, (3) have automatic timers turn on lights daily, (4) have a neighbor move your car in and out of the driveway, (5) buy a large dog bowl (even if you don't have a dog) and place it by the back door.  Call me if you want me to present these and several more suggestions at a neighborhood meeting.

Correct auto liability coverage

How much auto liability coverage should you have?  The correct amount of auto liability in commenserate with your assets.  In Texas they can't take (1) your home and personal property, they can't take (2) one car if you are single or two if you are married , and they can't take (3) your sheltered retirement accounts like your 401(k), 403(b) etc.  Total up the remainer of your assets, CD's, money market accounts, stocks, rental property, seasonal homes etc.  The limits to select are: up to $30,000, $50,000, $100,000, $250,000 and $500,000.  You want your insurance company to pay for all the bodily injury so you don't have to.  Call me if you have a question - 996-8543.