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Prevention Tips to Keep Your Home Insurance Policy from Canceling

Learn how to keep your home insurance from canceling.

When it comes to your home, insurance is everything. It helps to keep your home and its contents protected so that in the event of a disaster, you’re not left to pick up the pieces on your own. Rather your homeowners insurance kicks in to help absorb the costs of the damage. However, your home insurance isn’t a guarantee. There are instances where you can put your insurance coverage in danger. Check out these common reasons why home insurance is canceled so that you can keep your home well protected.

Not Maintaining Your Home.

While it may not seem like a big deal to forgo trimming the trees on your property, fixing your roof, or cleaning your gutters, lack of home maintenance can put your home in danger. Not maintaining your home leads to a variety of threats that can increase your home’s risk for damage. Too many risks can cause your homeowners insurance to cancel. Stay up on your home maintenance to keep your home in great shape and to keep your home insurance from canceling.

Not Paying Your Bill.

Forgetting to pay your monthly insurance premium every once in a while isn’t so bad. However, if you make a habit of not paying your insurance bills, then you risk a policy cancellation. If you’re unable to pay for the service that they provide, it’s grounds for cancellation. Avoid any issues and make sure to pay all your insurance bills in full and in a timely manner.

Leaving Your Home Vacant.  

Leaving town for the weekend won’t jeopardize your insurance. However, it may put your policy in danger if you plan on leaving your home empty for more than 30 days. When you’re not home, your risk for accidents increase, which makes insuring your home riskier. So you need a different form of coverage. Contact your insurance agent to notify them of your vacancy so that they can get you the policy that you need for the right protection.

Protect your home from disasters and prevent your policy from canceling. Get the home insurance that you need. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Fitness Apps to Help You Get Healthier

Check out these smartphone fitness apps to help you stay healthy and motivated.

Putting your health first is an essential part of living a long healthy life. Eating the right foods, getting enough exercise, and sleeping a full eight hours are all vital to keeping our bodies functioning well. However, despite knowing what we’re supposed to do, sometimes, in reality, we fall short. Stay on track when it comes to your health, and check out these smartphone apps. They’ll help you get into shape in no time.

RunKeeper

Getting back into fitness can be challenging if you’ve been out of practice. Try easing back into exercise and start with running. All you need is a good pair of running shoes and the RunKeeper App. The app will help you to set goals and keep track of all your running so that you can stick to your fitness plan. Plus, the app creates a sense of community. It helps you to connect with your friends and accept challenges so that you can stay motivated.

JEFIT

The gym can be intimidating. It seems as if everyone knows exactly what they’re doing, while you’re left confused and lost. Hit the gym without the fear of judgment. Use the machines like a pro with the JEFIT app. It’s the perfect way to personalize your gym routine so that you’re better able to get fit and healthy. The app helps you to track your progress and stay motivated with the right

My Diet Coach

When it comes to your health, exercise is just part of the equation. You also need to eat the right foods. Keep track of your intake so that you’re better able to determine how you eat. That way, you’re better able to see where you lack nutrients in your diet. Check out the MY Diet Coach app so that you’re better able to keep track of your eating habits. With the app, you can, record your foods, set goals, and accept challenges for a healthier lifestyle.

Live a healthier lifestyle to improve your quality of life. Protect your life with the right insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Check Your Car's Fluids & Vehicle Maintenance

Stay up on your car maintenance and check these fluids.

Car maintenance can be stressful. With so many components, it can be difficult to keep track of what type of maintenance your car needs and when. However, a car that is properly maintained is a safe car. Plus, it will help to keep your car in great shape longer. As you check your tires to ensure that they’re in great shape, also check your car’s vital fluids. Pop the hood and check out these fluids to keep your car running smoothly.

Engine Oil.

When to Check it: Once a month.

When to Change it: Every six months or every 3,000 miles.

When it comes to your car, it’s essential to ensure that your car’s engine is working properly. Oil helps to keep your vehicle running properly. Once per month, make it a habit to check up on your car’s oil. If you’re running low, get it checked. If your car doesn’t have enough oil, you risk a serious disaster.

Transmission Fluid.

When to Check it: Once a month.

When to Change it: Every 50,000 to 100,000 miles.

Your transmission ensures that all your car’s gears are working properly. If it’s not properly calibrated, then you could face issues down the line. Check your car’s engine fluid at least once per month so that you can rest easy knowing that your transmission is ready to go. Look for odorless red fluid. If it’s brown or smells burnt, then it’s time to change the fluid.

Coolant.

When to Check it: Twice a year.

When to Change it: Every two to three years.

Coolant keeps your engine from overheating. Keep your car sufficiently cool and check that your coolant is in good shape. At least twice per year, check your coolant so that you know that your car is ready to go.

When it comes to your car, keep it safe with the proper maintenance. For added safety, invest in the right auto insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Guide to Buying Your First Life Insurance Policy Colleyville, TX

Get the coverage that you need when buying your first life insurance policy.

Life insurance is an important aspect of your family’s security. If anything happens to you, your family is left to take care of themselves and any loose ends that you leave behind. From debts to college tuition, ensure that your family is well protected with the right life insurance. Get the coverage that you need as a first-time policy buyer and check out this guide to help you navigate throughout the process.

Know Your Coverage Needs.

When looking for your first policy, it can be difficult to pinpoint your starting point. Start by determining how much coverage that your family will need to survive. That way you know how much coverage you need when looking for the right type of policy. Evaluate your coverage needs by comparing your income to your expenditures. Then factor in any debts and any impending fees and determine how long your family will need the supplemental income. That way you’re ready to pick the policy that gives you the right coverage.

Pick the Right Policy Type.

Now that you’ve determined your coverage needs, think about the type of policy that best fits your lifestyle. With so many policies to choose from, it’s best to evaluate your budget and the sort of coverage that each policy gives you. While there are pros and cons to each policy, it’s up to you to pick what works best for your needs. A term policy, for instance, gives you great coverage at a great price. However, it’s only valid for a term. After the term is up, you need to start over and take out a new policy. A whole policy gives you guaranteed coverage for life plus it builds cash value. However, it’s much more expensive than other types of policies. When it comes to your policy, choose wisely for your family.

Know that you’re getting the right life insurance as a first-time policy buyer. Rest assured that you’re in good hands with the right insurance agency. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Tips to Prevent Allergies in Your Home

Keep your home clean to reduce allergy symptoms.

Your home is a perfect place to kick back and relax after a long day. However, if you’re an allergy sufferer, your home may be causing your more grief than relaxation. Your home is riddled with dust, dander, mold, and dirt that triggers your uncomfortable allergy symptoms. End your sneezing, itchy eyes, and runny nose, and check out these tips to help keep your allergy symptoms to a minimum.

Clean House.

When it comes to minimizing your allergy symptoms, you need to clean often. That way you’ll be better able to stave off the dust in your home. However, when wiping down surfaces, make sure to use a damp cloth to pick up all the dust particles. Otherwise, you’ll just spread them around, which can then make your allergies worse.

Steam Clean.

Carpets harbor a multitude of allergens. Their fine knit fibers are the perfect place for dust and dirt to get trapped, which means permanent allergens in your home. However, a good steam cleaning is your best bet to keep your carpets allergen free. Use a steam cleaner at least once a year, and vacuum regularly.

Air Out the Bathroom.

It’s not just dust and dander that can aggravate your allergies, but mold can too. Your bathroom is a prime location for mold growth. Pay extra attention when cleaning your bathroom, and always make sure that it’s properly ventilated whenever you shower. That way you can reduce mold growth and keep your allergies in check.

Take Your Shoes Off.

Wearing your shoes inside your home can increase the spread of allergens. Rather, remove your shoes as soon as you come into the house. That way you’re better able to control the spread of allergens throughout your home.

Protect your health with these allergy prevention tips. Protect your home with the right homeowners insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

How to Choose the Right Auto Insurance Policy

Get enough auto insurance coverage and check out what you need to know.

Driving a car is dangerous; it can even be lethal. That’s why driving a car is a huge responsibility. If you get into an accident, you’re responsible for covering the damage. That’s where auto insurance comes in. It gives you the coverage that you need to protect yourself in the event of a crash. However, different policies offer different coverages. Learn about the various types of coverages so that you can rest easy knowing that your car is covered.

Liability:

When it comes to your auto insurance, you’re required by law to have at least basic liability coverage. This type of policy gives you the bare minimum so that if you do get into a car accident, you’re able to cover any property damage or injuries that you’re found at fault for. It will give you the protection you need to cover liability issues, however, keep in mind that it won’t help you to pay for your own car or medical bills.

Collisions:

If you want to increase your coverage a bit to cover damage to your own car, check out a collision policy. It will help to give you the coverage that you need so that you’re better able to fix your car in an accident. However, keep in mind that this type of policy only covers accidents that occur with another vehicle.

Non-Car Collisions:

Sometimes your car is damaged by something other than a car accident. Perhaps your car has been vandalized. Maybe your car has been damaged by a hail storm. No matter what type of damage caused, a comprehensive auto insurance policy is the best way to protect your car from non-collision based damage.

Other Vehicles on the Road:

You’re not the only driver on the road. Despite being a responsible car owner, other drivers on the road may not have the auto insurance they need to cover damages. If they’re short on their liability coverage, or don’t have coverage at all, you may be left footing the bill. Protect yourself with a noninsured policy.

Get the auto insurance coverage that you need. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Be Prepared & Know How to File a Life Insurance Claim

Talk about life insurance with your family so that they’re prepared to make a claim.

A life insurance policy is an uncomfortable subject. However, It’s a necessary evil. No one wants to use their policy, but eventually, your family will have to. With a loss, comes immense grief and stress, which can make it difficult to get all the necessary affairs in order including life insurance. Make the process easier, and have a discussion with your loved ones. Check out what you and your loved ones need to know about filing a life insurance claim.

Talk to Your Loved Ones.

When it comes to your life insurance, be open and honest about it. Speak to your beneficiaries (you should always have at least two) about your policies so that they are up to date on them. Make sure that they know where all your policy information is located so that if a claim needs to be filed, so they’re able to do so.

Filing a Claim.

It can take a little while to process a life insurance claim. However, the process can be streamlined if you’re prepared. Know which documents that your loved ones will need to file a claim and have all the documents stored away in a safe place. You’ll likely need the insured person’s full name, date of birth, residence, policy number, and the death record showing cause of death. Put all the necessary information in a binder, sans the death certificate of course, with a checklist so that your loved ones are well prepared. However, do keep in mind that your beneficiaries will need to submit the original copies or notarized copies. Also include the name of your insurance agent so that your family can get in contact with them and verify if any additional documents are needed.

Talk about your financial future, and protect your loved ones with the right life insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Tips for Your Motorcycle Summer Road Trip

Check out these tips for your motorcycle road trip!

Summer is here! The beautiful weather and longer days make it the perfect time for a road trip. Dust off your bike and ride down a scenic country road. However, before you set off on your motorcycle road trip, take a few safety precautions. Check out these tips to stay safe on your motorcycle road trip.

Inspect Your Bike.

Before you set out on a long journey, know that your bike is ready to go. Look over your motorcycle and test all its systems to ensure they’re working properly. Check the chain for any weak links, test the light, verify that all the oils and fluids have been replenished, replace any dirty filters, and test the brakes. Additionally, check your tires. They should be properly inflated, especially before a long trip.

Make a Plan.

Planning isn’t exactly dangerous or adventurous; however, it’s a necessary component of travel. It’s a practicality that’s needed so that you know where you’re going to sleep and where to refuel so that you’re not left stranded on the roadside. Before your journey, create an itinerary. Plan out your route, where you’re planning on stopping, and where you’re going to stay. That way you’re well prepared. Better yet, give a copy to a trusted loved one so that they know where you’ll be.

Pack Appropriately.

Since you have limited space, you don’t want to pack too much. You can buy certain items as you travel. However, you’ll want to pack versatile clothing that can be used more way than once. Additionally, it’s important to be prepared for various types of weather. Be prepared and don’t bring anything you mind getting a wet.

Enjoy exploring the open road on your motorcycle road trip, but don’t forget to protect your bike with the right motorcycle insurance. For your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Summer Home Maintenance Tips to Keep Your Home Safe & Secure

Check out these home maintenance tips to keep your home secure.

Summertime is here! Before you get ready to enjoy a season full of sun and beautiful weather, ensure that your home is ready to h. The start of the new season is the perfect time to brush up on your home maintenance. Check out these tips to keep your home in tip-top shape.

  • Clean your gutters. Over time, your gutters build up with lots of dirt and debris. While it may not seem like a big deal, if not taken care of, you could face serious issues down the road. For example, when it does rain, the gutters can overflow and cause lots of water damage to your home.
  • Inspect your deck. You may have already fired up the barbecue and started grilling. However, it’s a good idea to inspect your deck for any loose or rotten boards or exposed nails. If you do notice any potential hazards, take care of them right away.
  • Check your filters. From your air conditioning filter to your dryer vent, it’s important to check to see if they need a good cleaning. Over time dirt and lint build up and not only diminishes the function of the appliance but can also lead to fires.
  • Update your landscaping. Trim the trees and plant new flowers. When it comes to your yard, it’s important to keep it well maintained for safety purposes. Low hanging branches can pose a safety hazard to your home, and an overgrown garden may provide cover for those trying to rob your home. Keep your yard up to date so that you can keep your home safe.

Keep up on your summer home maintenance and protect your home with homeowners insurance. For your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Compare Policies to Get the Life Insurance That You Need

Keep your family safe and find out how to pick the right life insurance.
Life insurance is the best way to keep your family secure, even after you’re gone. It’s a great way to rest easy knowing that financial burdens left to your loved ones won’t get out of hand. Despite knowing that you need to purchase life insurance, it can be hard to decipher all the different types of policies. Take the guesswork out of choosing a policy, and determine what coverage option best suits your fam. Check out this guide to life insurance so that you can compare policies and pick the coverage that fits your needs.

Term Life Insurance.

Term policies are great when you need coverage on a budget. They offer you guaranteed benefits as long as they’re claimed during the term. If you know that you only need coverage for a certain amount of time, this is the perfect policy for you. Just keep in mind that if you outlive the term of your policy, you’ll need to take out a new policy.

Whole Life Insurance.

Whole life insurance policies offer you lots of security. You’re guaranteed death benefits for the rest of your life. Plus, your policy builds cash value that can be taken out later against your policy if you’re in a bind. While this sort of policy gives you great coverage, keep in mind that these types of benefits tend to be more expensive than other policies and once you pick your policy, you can’t amend it later.

Universal Life Insurance.

Universal life insurance gives you the best of both worlds. It offers flexibility. If you ever want to adjust your coverage and premium, you have the ability to do so. Additionally, you’re given lifelong protection, and your policy builds cash value. However, you must meet all the conditions of the policy to receive benefits.

Keep your loved ones safe and secure by taking out the right life insurance policy. For your insurance needs, contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.

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