817-485-5050 info@schwabagency.com

Home Insurance

home insurance quote agencies

Your home is one of the most valuable assets for you and your family. Keeping your house safe should be one of your top priorities, and you must be willing to secure it in all possible ways. Protect it from external threats by getting homeowners insurance.

Experts at various home insurance agencies are trained in evaluating risk factors like local weather, crimes, and disasters to provide a suitable quote for you. Following are a few factors to be aware of:

Weather and Natural Disasters

If your house is located in an area prone to natural disasters like floods, earthquakes, and hurricanes, the likelihood of you claiming your insurance would increase. This will cause the insurance premium to go up.

Crimes and Vandalism

If you live in an area where the rate of crimes such as break-ins, vandalism, and property damage is high, your insurance premium will be higher.

Credit Score

Your credit score is a big factor that will determine whether your insurance application gets accepted or not. A poor credit score generally faces higher premiums or may even be denied insurance.

How to Get High-Risk Homeowners Insurance

Here are some simple ways to help you get your homeowners insurance.

Ask Around the Neighborhood

If you are getting insurance for the first time or recently moved to a new location, a great way to decide is to talk to other people in the neighborhood. Ask your neighbors about their insurance policies and recommended providers that offer homeowners insurance in Colleyville, TX.

Contact an Insurance Agent

If this is your first insurance, you might get overwhelmed with the number of unknown procedures. Under such circumstances, it helps to be in touch with an insurance agent who will guide you along your way.

Research well and read all the related documents of your insurance policy before purchase. For more information regarding the best homeowners insurance in Colleyville, Texas, contact the experts at The Schwab Agency. We look forward to getting you covered.

swimming pool safety tips for summer

Summer is the best time to take part in outdoor activities. Spending some quality time in the swimming pool is a popular summer activity. However, swimming can pose some risks, so you have to follow some tips to ensure everyone’s safety.

Here are some of the swimming pool safety tips that can help you enjoy summer:

Build a Swimming Pool Fence

One of the safety tips for swimming pools is to have a fence around them. A fence acts as a barrier that keeps kids out of reach to the pool when there is no one to supervise them. Make sure your fence has self-closing and self-latching gates.

Take Precautions

The area around your pool can be wet and slippery, leading to minor accidents. To avoid injuries and mishaps from slipping and falling, try to keep the area around your pool dry.

Supervise the Children

Always watch your children to ensure they follow safety tips while swimming. Also, do not allow them to swim alone.

Have Life-Saving Equipment Ready

Make sure you have life-saving equipment such as a rescue tube, life ring, or hook to rescue people if they accidentally fall into your pool. You’ll also need to have a first-aid kit accessible all the time.

Check Cleanliness & Water Quality

Murky or dirty water can encourage mosquitoes, bugs, and algae to grow. To prevent your family from water-borne diseases, make sure to keep your pool water clean and hygienic.

Follow these safety tips to have a safe swimming experience. Another way that would help you remain safe and secure is by getting the right insurance coverage. For assistance with all your insurance needs and questions, contact the experts at The Schwab Agency in Colleyville, Texas today. We will help you choose the right insurance that meets your requirements and budget.

rat peeking out of home wall

Preventing common pest infestations.

During the warm spring months, insects and vermin are more active.  As a homeowner, this means that your risk for infestations is higher.  To ensure that your home isn’t overrun by unwanted guests, here are some of the precautionary measures that you should take.

  • Gnats

While gnats are more annoying than harmful, no one wants to a swarm of these tiny bugs inside their home.  The best way of keeping gnats out is by keeping your doors and any windows without screens closed.  You should also make sure that you don’t leave food or dirty plates lying around, as this can attract the winged invaders.  If gnats do manage to get inside, then you can trap them using apple cider vinegar.  Simply fill a jar a quarter of the way with the vinegar and place a funnel over the top of the jar.  The gnats will be attracted to the vinegar and fly into the funnel, but will not be able to get back out.

  • Ants

Ants are some of the worst pests to deal with.  When the weather turns warm, ants try to find ways inside homes so they can access food and water.  This is why one of the best ways to prevent an infestation is by never leaving food out.  The foods stored in your fridge and cupboards should be sealed in airtight containers, so ants are not attracted by the smell.  You should also inspect the areas around your home’s windows and doors and seal up any gaps or cracks where ants can enter from.  You can also attempt to ward ff ants using some home remedies.  Many homeowners claim that sprinkling cinnamon, coffee grounds, or chili powder around their homes’ points of entry is an effective way of keeping these tiny invaders away.

  • Mice and Rats

While most homeowners think about rodents infiltrating homes to escape the cold of winter, mice and rats are equal opportunity pests.  Regardless of the time of year, rodents are always looking for food, water, and shelter.  The best way to keep mice and rats out of your home is by sealing up any possible entry points.  Additionally, you should keep all food sealed up, so the smell doesn’t attract these pests.

These are some of the most common pests that homeowners have to deal with and what you can do to stop them from invading your home.  Want another way to protect your home and loved ones?  Then make sure you have the right homeowners insurance in place.  For assistance with all your home coverage needs, contact the experts at The Schwab Agency in Colleyville, Texas today.

lightning storm

How you can avoid serious thunderstorm damage to your property.

If you live in an area prone to major thunderstorms, then you know just how devastating the damage left by these powerful storms can be.  This is why it’s so important to take steps to protect your home.  Here are some of the precautions that you should take around your property if a storm is brewing.

  • Install Storm Shutters

Because heavy rains and fierce winds can shatter your home’s windows, you should install storm shutters over them.  Not only will this prevent damage to your windows, but it also protects your family and belongings from getting hit by broken glass or debris.

  • Invest in a Surge Protection System

During thunderstorms, electrical lines are left vulnerable.  Lighting strikes can cause power outages, and falling trees can take out power lines.  Should this happen near you, then your home’s electrical system will probably hit with sudden power surges.  These surges can cause damage to plugged-in appliances and electronics and can even start fires.  To protect against these risks, you should put your entire home on a surge protection system.

  • Put Up Lighting Rods

Lightning rods are metal rods that you attach to the peaks of your roof.  Lightning rods help to direct lighting strikes to the ground instead of letting them strike the frame of your home.  So, make sure you put up your rods to prevent lightning damage to your home.

  • Test Your Smoke Alarms

Lighting strikes can cause a fire to break out on your property.  Because lighting is most likely to strike your home’s roof, make sure you install a smoke alarm in your attic, so you are alerted at the first signs of a fire.  You should also check the other smoke alarms in your home to make sure that they are operating properly.

These are some of the precautionary measures that you should take to protect your home from thunderstorms.  Want another way to keep your home safe?  Then 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 today.

family at beach

Protect yourself with the right insurance this spring break.

As temperatures gradually increase, the promise of spring is in the air.  For many students and families, spring is all about taking a break and setting off on an exciting vacation.  As you plan your spring break trip, make safety a priority with these insurance tips.

  • Homeowners Insurance

Before setting off on your spring vacation, make sure that you review and update your homeowners insurance.  Because your risk for theft increases anytime you leave your home unoccupied, you may want to speak to your insurance provider about increasing your personal property coverage limits.  Additionally, you should make sure that you have adequate coverage to protect against unexpected weather events that could cause damage to your home while you are away.  Depending on where you live, this might mean updating your flood, fire, earthquake, landslide, and/or storm coverage.

  • Auto Insurance

If you are taking a road trip for your spring break, then it’s important that you look over your auto insurance policy.  Because your risk for accidents and vehicular damage increases the more you drive, you may want to increase your policy’s coverage limits in preparation for your road trip.  Additionally, if your trip will take you over state lines, verify that your insurer will offer you the protection you need once you leave your home state.

  • Travel Insurance

Travel insurance is a form of coverage that will protect you from certain financial risks and losses that you may encounter during your travels.  For instance, travel insurance can help you cover the cost of lost luggage, last-minute cancelations, and medical emergencies.  If you are going on a particularly expensive trip or traveling overseas, then you should secure travel insurance to protect yourself from costly losses.

Protect the people and things that you love most with these spring break insurance tips.  Do you need help with your personal insurance?  If so, then contact the experts at The Schwab Agency in Colleyville, Texas.  Our dedicated team is ready to assist you with all your coverage needs today.

cardboard home next to calculator and money

Have bad credit?  Then here’s how you can still be approved for a home loan.

If you have bad credit, then getting approved for a home loan can be challenging.  However, this does not mean it’s impossible.  With FHA loans, borrowers can secure financing, even if their credit score is low.  Here’s what you need to know about this bad credit home loan program.

What is an FHA Loan?

FHA loans were created by the Federal Housing Administration in 1934 as a way to increase homeownership across the U.S.  FHA loans are government-backed, meaning that lenders can offer these types of loans without assuming risk.  This means that lenders are safe to offer FHA loans to borrowers who would otherwise be considered too risky to approve.

FHA Loan Requirements

While traditional mortgage loans require borrowers to have a credit score of at least 640, FHA loans have much more lenient credit requirements.  FHA loans are available to individuals with credit scores as low as 500.  If your credit score is anywhere from 500-579, then you can secure a loan with a 10% down payment.  Individuals with a credit score of 580 or above can secure an FHA loan with a 3.5% down payment.

Please note that you will have to prove compensating factors that make up for your low credit score.  Common compensating factors include the following:

  • Large down payment (10% down or more)
  • Low debt-to-income ratio
  • High income
  • No outstanding debt
  • Large amount of cash reserves
  • Proof of significant amount of time with current employer
  • Proof of ability to make comparable rent payments

This is what you need to know about FHA loans and how they are providing financing opportunities for individuals with bad credit.  Are you looking to buy a home?  If so, then it’s time to start shopping for homeowners insurance.  For assistance with all your home coverage needs, contact the experts at The Schwab Agency in Colleyville, Texas, today.

home made out of cash

Here’s why your homeowners insurance may have gotten more expensive.

If you are approaching the renewal period for your homeowners insurance, then it’s time to look over the policy summary provided by your insurer.  One particular thing to look at is if your premiums have increased.  If you have noticed an increase in your rates, there are several legitimate reasons why this may have happened.  Here are a few of the common explanations.

  • Home Renovation Projects

If you have recently completed home renovations or updates that increased the value of your property, you may have to increase your coverage limits accordingly.  More coverage means higher premiums, so this could explain why your premiums have increased.

  • Changes in Your Claims History

Oftentimes, homeowners that have recently filed a claim experience a rate increase the following renewal term.  The size of for the increase depends on the claim type.  Act of God claims such as wind/hailstorms often see minor change in premium where non-weather-related claims such as water damage, freeze or liability can see larger increases.  Fortunately, you can once again gain access to lower insurance rates if you manage to stay claim-free for an extended period of time.

  • Your Risk for Extreme Weather Events

In recent years, the number of wildfires, wind/ hailstorms, hurricanes, tornadoes, and other extreme weather events have increased significantly.  As the frequency of these damaging events increases, insurance companies often file rate increases with the applicable state so they can keep up with resulting home insurance claims.

These are some of the factors that could have caused your homeowners insurance premiums to increase.  Do you need help with your home insurance coverage?  If so, then contact the experts at The Schwab Agency in Colleyville, Texas.  Our dedicated team is eager to assist you today.

living room decorated for the holidays

Watch out!  These types of home insurance claims go up around the holidays.

With the holidays right around the corner, you are probably excited to decorate your home, celebrate with your family, and simply enjoy the season.  The last thing that you want to deal with is a time-consuming home insurance claim.  Unfortunately for homeowners, there are several types of home insurance claim events that are more prevalent during the holiday season.  To avoid having the file a claim, watch out for these perils.

  • Fires

During the holiday season, many homeowners light up candles or get a fire going in their fireplaces to create a cozy vibe.  Unfortunately, many homeowners forget to snuff out their candles or accidentally leave fires burning after they go to bed.  This can often lead to nearby items igniting and a fire spreading throughout the home.  As such, many homeowners are forced to file insurance claims to address the fire damage.

  • Burst Pipes

If you live in an area that experiences very cold winters, then your pipes are at risk for freezing over and bursting this holiday season.  Every year, insurance companies get an influx of claims to address the water damage caused by burst pipes.

  • Theft

There are more theft claims filed during December than any other month of the year.  This is because many burglars wait for the holiday season because they know there is a greater chance of expensive gifts being in the home.  Sadly, instead of waking up to a pile of presents under the tree, many homeowners wake up to a ransacked home instead.

These are some of the common home insurance claims that you should watch out for this holiday season.  Need help with your homeowners insurance this December?  If so, then contact the experts at The Schwab Agency in Colleyville, Texas.  Contact us for assistance with all your coverage needs today.

woman reviewing insurance policies

What to look for when reviewing your insurance.

The end of the year is a great time to review and update your various insurance policies.  Updating your coverage now ensures that you are ready for whatever the new year throws your way.  Ready to conduct an insurance review but not sure what you should look for?  Here are some of the important things to look at when looking over your personal insurance policies.

  • If You Can Increase Your Deductibles

By now, you probably know that your insurance deductibles and your premiums have an inverse relationship.  This means that the higher your deductibles, the lower your premiums will be.  Policyholders are encouraged to assume a higher deductible as a means of saving money on their coverage.  So, during your review, look at your deductibles and decide if you can afford to raise them.  Keep in mind that you should never raise your deductibles to an amount that’s higher than you can comfortably afford, as this could prevent you from accessing your insurance when you need it the most.

  • If Life Changes are Reflected in Your Policies

Another reason to conduct a year-end review is to ensure that all your insurance policies are updated and accurately reflect your circumstances.  If you moved, got a new car, had a child, or made any other major life change, then it’s important to make sure that your policies reflect these changes.  Keep in mind that if your insurance provider does not have accurate information, then they can refuse to renew your policy and can even refuse to cover a claim.

  • If All Discounts are Applied

Finally, you should conduct a year-end insurance review to check to make sure you are getting all the discounts and reduced rates that you qualify for.  Changes in your circumstances often mean that you now qualify for discounts that you did not qualify for previously.  Make sure that all your discounts are applied to your policy to save a significant amount of money during the coming year.

These are some of the important things to look at when reviewing your insurance.  Do you need help managing your insurance review?  If so, then contact the experts at The Schwab Agency in Colleyville, Texas.  Our dedicated team is eager to assist you with all your personal insurance needs today.

security cameras

Weigh your home security system options.

If you want to protect your home, possessions, and loved ones, then investing in a home security system is a smart idea.  However, before you settle for a system, it’s important that you consider its various features and capabilities.  Here’s what you should think about when choosing a home security system.

  • What type of monitoring capabilities does the system offer?

When a security company offers monitoring services, it means that your home system will automatically alert the proper authorities if it senses an emergency event (usually a break-in or fire).  Some wireless systems give you the option to pay for professional monitoring services.  The homeowner can typically opt for constant monitoring, or choose to pay for monitoring during a set period of time (such as while they are away on vacation).  Homeowners that opt-out of monitoring will have to call the authorities themselves when their system alerts them to a disturbance.  Professional security systems almost always require the homeowner to pay for monitoring.  This service is part of the contract that the homeowner must sign when having the system installed.

  • Do I want security cameras?

Many homeowners like the idea of installing security cameras, so they can keep an eye on their home while they are away.  While security cameras won’t necessarily prevent a break-in, they can give you advance warning.  Additionally, the footage from the cameras will also help you identify the suspects.  If you decide that this is a feature that you want, then focus on the security companies that offer systems with cameras.  During installation, make sure to place a camera by your front and back doors and in high-traffic areas such as your living room and the master bedroom.

  • Do I need motion detectors?

Homeowners need to decide if they want a system that comes equipped with motion detectors.  If you have pets or small children running around your home, then motion detector systems will create false alarms and will be more annoying than helpful.  However, if you want to invest in this additional security measure, then try to imagine the path a burglar would take as they walk through your home and install the detectors along this course.

These are some of the things to consider before choosing a home security system.  Want another way to protect your home, belongings, and loved ones?  Then 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 today.

COVID-19 Update:


Due to new increasing cases of Covid-19 our office will be closed to the general public until further notice. Our team will still be working full-time in the office and here to assist with all your insurance needs. Please contact us via phone at (817) 485-5050 or email: info@schwabagency.com.


We hope everyone is doing their part to protect themselves and their loved ones during these hard times, and thank everyone for understanding our decision to do our part to help protect our staff and those in our community.


Tim Schwab.
President and Managing Partner