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St. Patrick’s Day Fun Facts

Learn more about this holiday.

St. Patrick’s Day is this weekend!  If you are like more Americans, then you probably associate this holiday with green beer and corned beef and cabbage.  But have you ever been curious to learn more about this ubiquitous holiday?  Then here are some interesting St. Patrick’s Day facts to enjoy.

  • Patrick’s Day is a national holiday in Ireland. On March 17th, many banks, stores, and business will close throughout the country.
  • The first St. Patrick’s Day celebration in the United States took place in Boston, Massachusetts back in 1737.
  • While we associate St. Paddy’s Day with the color green, the holiday was originally associated with the color blue. The color changed to coincide with Ireland’s nickname, “The Emerald Isle.”
  • Each leaf on a four-leaf clover has a special meaning: hope, faith, love, and luck.
  • 1962 was when the city of Chicago began its St. Patrick’s Day tradition of dying their river green.
  • In the U.S., there are 34.7 million residents of Irish ancestry. This is more than 7 times the population of Ireland itself.
  • Patrick wasn’t actually Irish. He was born in Britain around A.D. 390 to a wealthy Christian family.
  • Patrick was never officially canonized by a pope. This does make his saintly status slightly questionable.
  • The odds of finding a real four-leaf clover is about 1 in 10,000.
  • The most popular beverage on St. Patrick’s Day is (unsurprisingly) beer.

We hope you enjoy these St. Patrick’s Day fun facts this holiday weekend.  Are you looking for assistance with your insurance this March?  If so, then contact the experts at The Schwab Agency in Colleyville, Texas.  We are ready to assist you with all your coverage needs today.

Why You Should Get a Smart Home Security System

The benefits of installing a smart security system in your home.

While you already know that security systems are a great way to protect against break-ins and vandals, did you know that smart home security systems are capable of so much more?  Here’s what installing a smart security system in your home can do for you.

  • Control Your Home Remotely

Now, smart home security systems offer the ability to sync up with your home’s smart thermostats, automated door locks, lighting systems, and smart sensors and detectors.  This capability allows you to remotely control various home functions through your security system.  For instance, you could adjust your home’s temperature, lock your doors, switch on your lights, and monitor who is in and around your home even when you are off your property.

  • Save You Money

Investing in a smart home security system can actually end up saving you money in the long run.  For instance, your home insurer will likely offer you discounts for making your property safer.  Having a good security system installed will also increase the value of your home, making a solid return on investment when you decide to sell.  Finally, if your home does get broken into, then the footage from your security system can help law enforcement identify the burglars.  This will increase the chances of recovering stolen items and reducing your losses.

These are some of the reasons why you should invest in a smart security system for your home.  Want another way to keep your home safe?  Then make sure you have the right homeowners insurance protections in place.  For assistance with your home coverage needs, contact the experts at The Schwab Agency in Colleyville, Texas today.

Making These Car Insurance Mistakes Will Cost You

These common insurance missteps could be costly.

For those inexperienced with the insurance industry, managing their auto insurance can be a challenging experience.  Unfortunately, this inexperience can lead to some costly insurance mistakes.  Here are some of the most common car insurance mistakes that you should avoid if you do not want to increase your coverage costs.

  • Lying or Omitting Information When Applying for Insurance

While telling a little white lie or concealing certain pieces of information from your insurer might not seem like a major deal, this actually constitutes insurance fraud.  If you get caught lying, then you may experience an increase in your auto insurance rates.  In some cases, your deception can actually result in an insurer denying you coverage.  If this should happen, then you would be flagged as high-risk, making it extremely difficult to find an insurer willing to cover you at an affordable rate.

  • Failing to Use Discounts

Finally, if you are not applying for every discount that you qualify for, then you are overpaying for your auto insurance.  This is why it’s so important to do some research and learn about all the discounts that you may have access to.  You may be surprised to find out that you are eligible for considerable auto insurance savings.

These are some of the costly auto insurance mistakes that you should be sure to avoid.  Do you have additional questions regarding your car coverage?  If so, then contact the experts at The Schwab Agency in Colleyville, Texas.  Our dedicated team is eager to assist you with your auto insurance today.

Can Home Insurance Cover Mold Damage?

Here’s what your homeowners insurance will cover when it comes to mold damage.

Unfortunately, mold growth is a common problem that many homeowners have to deal with.  Not only does mold cause damage to your home but it also creates an unsafe breathing environment for you and your loved ones.  Fortunately, your home insurance may offer some coverage for mold remediation and damages.  Here’s what your homeowners insurance will cover when it comes to mold.

  • Insurance Coverage for Mold

First things first, it’s important to remember that every home insurance policy is different.  To find out exactly what your policy covers, you need to review your policy and speak to your insurer.  That being said, most standard homeowners insurance policies will offer coverage for mold remediation and repair.

  • Coverage Exclusions

There are some caveats to this coverage.  To start, some policies will only offer coverage for mold damage if the mold is a result of a covered peril.  For instance, if your policy protects against broken pipes, then you would have coverage for the mold growth that results from a broken and leaky pipe.

It’s also important to note that your insurance will likely not offer coverage for the mold that develops as a result of your negligence.  Finally, your policy will not offer coverage for the mold that that was already in your home before you purchased your home insurance policy.

This is what your home insurance will cover when it comes to mold on your property.  Do you have more questions regarding your homeowners insurance?  If so, then contact the experts at The Schwab Agency in Colleyville, Texas.  We are ready to assist you with all your coverage needs today.

Ways to Give Back to Your Community This Valentine’s Day

Show your community some love.

While most associate Valentine’s Day with romantic dates with their significant other, this holiday can also be dedicated to spreading love to your community and those in need.  If you would like a more meaningful way to celebrate this Valentine’s Day, then here are some of the things that you can do to give back.

Volunteer at a School

Unfortunately, teachers are some of the most overworked and underappreciated members of our community.  This is why it’s so important to give our educators the support they need.  Offer your assistance by volunteering at a local school.  You can get involved by reading to students, tutoring them, or simply chaperoning them on the playground.  Your help will take some of the pressure off overburdened school systems and will help the children in your community get the attention and educational experiences they deserve.

Visit a Senior Home or Center

Sadly, many residents in senior homes do not receive regular visitors, and this solitude can deflate their spirits.  Do your part to brighten their days by visiting or volunteering at your local senior home or center.  Simply offering your time will give the elderly members of your community something to look forward to.

Feed the Hungry

Finally, a great way to give is by helping those who do not have enough to eat.  You can get involved by donating to your local food pantry or by volunteering at charities that provide meals to those in need.  By putting in a little time and effort, you can fill stomachs and hearts this Valentine’s Day.

These are some of the things that you can do to show your community some love this Valentine’s Day.  Are you looking for assistance with your insurance this holiday?  If so, then contact the team at The Schwab Agency in Colleyville, Texas.  Our dedicated team is eager to get you the coverage that you need today.

Why Having the Right Renters Insurance is Important

Here is why renters insurance is an essential coverage.

As a renter, you know that your landlord is responsible for any physical damages to your rental space.  However, this does not mean that you are free to forgo insurance coverage completely.  You still need to secure coverage for your personal belongings and personal liability issues.  Additionally, if your rental is damaged and temporarily uninhabitable, you will also need coverage for your alternative living expenses.  This is where renters insurance comes into play.  Here’s what you need to know about this essential coverage.

What does renters insurance cover?

As previously mentioned, renters are not responsible for the physical structure of their rental property.  This is why renters insurance does not offer coverage for the physical damages that your property might sustain.  However, your renters insurance will offer coverage for your personal belongings and your personal liability.  For instance, if your couch was damaged due to a leaky pipe, then your renters insurance would offer coverage to repair or replace it.

Do I really need this type of insurance?

In some cases, your landlord may require you to carry renters insurance before allowing you to sign the lease agreement.  Even if your landlord does not require you to carry this coverage, you should still secure it.  Renters insurance is the best way to protect your belongings and ensures that you do not get into a costly legal battle.  Additionally, as one of the most affordable forms of insurance out there, you could get the protection you need for mere dollars a day.

This is why you need to secure the right renters insurance to meet your specific coverage needs.  Looking to secure renters insurance in Colleyville, Texas?  If so, then contact the experts at The Schwab Agency.  We are ready to assist you with all your coverage needs today.

Driving Safety Suggestions for Teens

Parents, here are some of the safe driving behaviors that you should pass onto your teen drivers.

While the idea of your teen behind the wheel probably worries you, you can’t always be there to hold their hand and keep them safe. However, when you are first teaching your teen how to drive, there are some habits you can pass onto them to ensure they are practicing safe driving behaviors. Here are some of the driving safety suggestions that you should pass along.

  • Be Defensive, Not Aggressive

First things first, teach your teen to drive defensively. For instance, they should always obey the speed limit, leave plenty of space between their car and the car in front of them, and scan their entire vicinity frequently. Teaching your teen responsible driving habits will ensure that they don’t become one of those reckless drivers who speed, tailgate, and weave in and out of traffic without regard for their safety or the safety of others.

  • Keep Your Phone Out of Sight

Before settling behind the wheel, teach your child to set their phone to silent and store it somewhere out of their immediate sight. This will prevent them from getting distracted by an incoming text, call, or another type of notification. This will ensure that their focus remains on the road and, therefore, reduce the chances of them getting into a distracted driving accident.

  • No Distracting Passengers

While your teen is probably eager to drive around all their best friends, it’s important to put your foot down on this subject. Because teens are inexperienced, they need to focus all of their attention on the task of driving. However, when they have friends in the car, they are more likely to get distracted by the conversation or the fun antics of their passengers. This, in turn, can make your teen more likely to make unsafe driving decisions or completely take their eyes off the road. Not only does this pose a danger to your child, but it also puts their friends and anyone else on the road at risk. To prevent a major accident, be strict about the no passenger rule for your teen.

Here are some of the safe driving tips you should pass along to your teen driver. Want another way to keep your teen safe while they are behind the wheel? Make sure that you have the right auto insurance protections in place. For assistance with all your coverage needs, contact the experts at The Schwab Agency in Colleyville, Texas today.

Suggestions for Shopping for Your First Auto Insurance Policy

Knowing these things will make first-time car insurance shopping a little easier.

If you are looking to secure your first-ever car insurance policy, you may be feeling a little overwhelmed. With all the different carriers and coverage options out there, it can seem impossible to find the right policy to meet your needs and budget. To make the process of securing car coverage a little easier, here are some of the things you should know.

Your State’s Insurance Requirements

Almost every state has some minimum level of auto insurance that drivers are required to carry. It’s important to know your state’s minimums before you select an auto policy so you can ensure that the coverage option you select is meeting your legal requirements. For a breakdown of Texas’s auto insurance requirements, please click here.

Recommended Coverages

While state insurance minimums are a good place to start, drivers are recommended to carry coverage that extends beyond legal minimums. This is because, in an accident, insurance minimums will only cover a portion of your costs, leaving you to take care of the rest on your own. To ensure that you have the comprehensive protection you need, you are recommended to carry the following coverages:

  • Bodily injury liability
  • Personal property liability
  • Collision
  • Comprehensive
  • Medical payments
  • Underinsured/uninsured motorist

Reducing Your Rates

Finally, once you start receiving auto insurance quotes, you might feel like your rates are set in stone. However, there are some things you can do to cut them down a bit. For instance, make sure you are using all of the discounts that you qualify for. Additionally, you can save by bundling your auto insurance with your other existing insurance policies. Finally, you can save in the long run by keeping your driving record clean. The fewer accidents and traffic violations on your record, the more your rates will drop.

These are some of the things you should know when securing your first-ever auto insurance policy. Do you have additional questions regarding your car coverage? If so, contact the experts at The Schwab Agency in Colleyville, Texas. We are ready to assist you with all your coverage needs today.

Learning About Scheduled Personal Property Insurance

Here’s how this special type of insurance can fill your personal property coverage gaps.

Your homeowners insurance policy offers you four main coverages: property coverage, personal liability coverage, loss of use coverage, and personal property coverage. When it comes to your personal property coverage, your policy is subject to certain limits. These limits can make it difficult for homeowners to secure adequate coverage for high-value items such as jewelry, antiques, fine art, and so on. Fortunately, you can secure the additional coverage you need with scheduled personal property insurance. Here’s what you need to know about this special type of coverage.

The Limits of Your Homeowners Insurance

As previously mentioned, the personal property insurance offered by your home policy is subject to certain limits. While you may have $10,000 in personal property coverage overall, your policy may place dollar limits on certain categories of items. For instance, you may have a $2,000 limit on electronics. If you were to file a claim for $3,000, your policy would only cover you up to $2,000, leaving you to cover the rest.

Scheduled Personal Property Insurance

Fortunately, adding scheduled personal property insurance to your homeowners insurance policy can help you address this coverage gap. This optional type of insurance allows you to list high-value items on your policy to receive extra coverage. Scheduled personal property insurance has three main benefits:

  • It increases your personal property coverage limits for the scheduled items.
  • It offers coverage for more perils than standard homeowners insurance.
  • It removes insurance deductibles if you file a claim for the scheduled items.

This is what scheduled personal property insurance can do for you. Are you interested in learning more about your personal property or homeowners insurance? If so, contact the experts at The Schwab Agency in Colleyville, Texas. Our dedicated team is eager to assist you with all your coverage needs today.

Preserving Your Home’s Exterior

Try out these suggestions to reduce wear and tear on your home’s exterior this winter.

During the winter, exposure to wet weather, freezing temperatures, and other harsh conditions can wreak havoc on your home’s exterior. While minor wear and tear might seem like a minor issue, it actually paves the way for more serious damages. This is why it’s so important to take these steps to protect your home’s exterior this winter.

Clean Out Your Gutters

When leaves, twigs, dust, and other debris accumulate in your home’s gutters, they can become clogged and prevent water from draining off your roof. This increases the chances of water seeping into tiny fissures in your roof and causing serious damage. Fortunately, preventing this damage is easy. All you need to do is clean out your gutters to ensure that water can easily drain away.

Trim Bushes and Trees

If you have bushes or trees surrounding your home, make sure to trim them this winter. This will prevent branches from scraping across your home’s exterior and causing damages. Make sure you leave enough space between your home and any vegetation for a person to walk through, and you can prevent this form of wear and tear.

Apply Fresh Paint

Applying a fresh coat of paint to your home’s exterior is a great way to boost its curb appeal while also adding a layer of protection. Because outdoor paint is specifically formulated to seal against water, wind, and cold temperatures, adding a fresh coat to your home will protect its siding. For the best results, experts recommend re-painting your home every ten years.

These are some of the steps you should take to protect your home’s exterior this winter. Want another way to keep your home safe? Make sure you have the right homeowners insurance protections in place. For assistance with all your home coverage needs, contact the experts at The Schwab Agency in Colleyville, Texas to get started today.