Category Archives: Home Insurance

3 Benefits of Choosing ABI

What are the benefits of choosing an independent insurance agent from ABI (Al Boenker Insurance)?

We know that a lot of the time the question arise on what is the advantage of going with an ABI insurance agent rather than just going directly to a company to get insurance.

Here we tell you some of the benefits we usually hear fom our clients why they choose working with us.

1. Carry multiple insurance carriers = more options

At ABI we represent many insurance companies, therefore are able to shop around between tons fo carriers for you. In comparison, a captive agent partners with only one insurance company, limiting their. This allows us to find the best option that competely fits your needs in every single way. We save you time by not having to fill several applications to get a quote each time. We will evaluate all possible factors to accomplish the best rate for your exact needs.

2. Exceptional customer service

If you get in an accident and need help understanding insurance language, we are there for you. If you need to file a claim and not sure how to do it, we are also there for you. You need a fast reply regarding your policy, we are there for you. Our licensed professionals will provide you with their knowledge and guidance. They will be doing all the work for you. We are there for you for all your needs, and will make sure that the service provided is always fast and easy.

3. Being always the priority to us

We customize our options for you. Comparing it to a captive agent or an insurance company, we are able to evaluate and review your exact needs. There is no a one-size fits all, and therefore we need to find the right one for you. We understand you, as we are your neighbors. We belong to this community as well, and your coverage is our priority.

At Al Boenker Insurance agent we will make sure that you get these benefits that you won’t get anywhere else. That is why Al Boenker gotcha’ covered!

For more information on all of our services we offer for you visit thanksal.com

Learn if the amount of coverage you got is the right one.

What amount of insurance coverage do I need?

What insurance coverage do I need?

What insurance coverage do I need? Are you covered… Enough? Did you know that big life changes such as having a baby, getting married, buying a new home, or sending a child off to college may require you to adjust the amount of coverage?

Milestones are meant to be celebrated and are an exciting time in life. However, how would you like to find out that life’s most amazing moments could leave your household without the proper coverage? You wouldn’t buy a car without taking it for a test drive right. The same thing should be said about speaking with your Al Boenker Insurance Agent before an important change.

Adding a bedroom to the house may mean it’s time to re-evaluate your home owner’s policy to keep it up-to-date with the square footage. Or moving your college driver to another “garage,” is a sign it’s time to chat with your agent to determine coverage for a driver that is no longer living in your home.

Don’t let yourself get caught without the assurance your family is protected. Bring on all the major good-feeling moments life has the pleasure of giving us and speak with your Al Boenker agent today.

Also, this is a great opportunity to review that your policies are up-to-date and you got the best deal for your insurance needs.

Give us a call at 1-800-THANKSAL or visit us online at www.thanksal.com

Remember we got you covered!

Getting your home set up for the holidays.

It is the season of getting your house ready for the holidays and we may be dreaming of having the perfect decorations like the Christmas movies and magazines. But, during the holidays it tends to be a spike in fire-related accidents at home. Therefore, we would like to give you some basic tips to help you prevent any mishaps. 

Tip 1: Do not overload your electrical outlets.

It is very common that we set up our Christmas lights, holiday decorations that light up, and the Christmas tree in the same electrical outlet and leave them on for hours. This could definitely create a fire hazard. It is recommended that you divide the connections on different outlets and if possible set up a timer before you go to bed.

Power electrical outlet with lots of cables

Tip 2: Leaving your cooking unattended.

During the season you may be doing a lot more cooking than usual. When using your oven and stove make sure that you do not leave them unattended. We understand that having a full house with family creates distractions, but do not leave the kitchen with any fire on, and even more so if there are kids around the house decorating those cookies.

Girl playing with oven kitchen

Tip 3: Having garland close to candles.

Those beautiful garlands and candles as your table decorations will give the perfect Christmas ambiance for the season, but they can also be an out-loud cry for a disaster. Combine that with a full table of cups and warm food & your holiday gathering could be off to the wrong start. Opt-out for the fake candles, they will still look beautiful but without the danger.

Beautiful decorated table with candles and christmas garlands

Tip 4: Do not forget to check your smoke alarms.

As easy as that may sound, when was the last time that you checked the battery of your smoke alarms? It might be time to do so. Make sure that all the alarms are working properly and have fresh batteries. Smoke detectors save lives.

Fire alarm in christmas decorated living room

Tip 5: Do not set up your tree next to the fireplace.

As mentioned before with the garlands and candles, it is very likely that when you have items that are flammable close to a spark an accident might happen. Set up your tree in an area that has space for your gifts and that it isn’t next to the fireplace.

Interior christmas magic glowing tree close to fireplace

Our goal is to help you have a safe holiday season. We hope you find some of these tips helpful and enjoy this time together. Or apart. 

Merry Christmas and remember, we gotcha’ covered!

To learn more about home insurance please visit HOME INSURANCE.

Beginners Guide: What should I look for Home Insurance?

anatomy of safest house for a low home insurance rate

If it’s your first time looking for home insurance, congratulations!

Most likely your lending company is requiring you to have it or you just want additional coverage. Whatever the case is, don’t go fast and take your time before choosing your home insurance policy.

According to our home insurance agents, consider these things for home insurance in Texas. 

Why you need home insurance?

Are you planning to get a home loan? Definitely, home insurance is required for this. Although, it is not the only reason for having it.

Texas is a great state, we’re proud to live here but it’s no secret every year natural disasters occur. We can’t avoid them but we can protect our assets. 

The most common natural disasters in the area are:

  1. Flash Flood
  2. Hurricanes
  3. Extreme Cold
  4. Lightning
  5. Tornados. 

What kind of coverage is right for my home?

Looking at the natural disasters mentioned above, If you live in Texas, protect your patrimony from those. During the unforeseen weather conditions, rest assured you are covered and focus on your family and their safety.

Take notice, most policies don’t usually protect your home from flooding, or busted pipe leaks. However, consider these additional coverages based on your location

Six types of home insurance in Texas

The following six coverages are usually included in your home policy, but it’s good to know what are you protecting. Always ask your insurance agent if your policy includes one of these or what is best for you depending on your needs. 

1. Dwelling coverage

Can pay if your house is damaged or destroyed by something your policy covers.

2. Personal property coverage 

Can pay if your belongings are destroyed, stolen or damaged. {PRO TIP: This why you should bring your belongs inside the house and not leave in your car.}

3. Other structures coverage 

Repair structures on your property that aren’t attached to your house, like  fences, storage sheds, and detached garages. 

4.Loss of use coverage

If you have to move while your house is being repaired because of an accident, this coverage can pays additional living expenses like rent, food, and other costs you wouldn’t have if you were in your home.

5. Personal liability coverage 

Can pays medical bills, lost wages, and other costs for people that you’re legally responsible for injuring. 

6. Medical payments coverage 

Perfect for pet owners because this can pay the medical bills of people hurt on your property or if something happens away from your home like your dog bites someone at the park.

Source: Texas Department of Insurance

Enough coverage to replace your home 

It is possible, choose replacement cost coverage over actual cash value coverage. This helps you replace or repair your house if needed during a devastating time. 

Choose Replacement Cost that match the current price for items in your home. As you know, year by year prices are higher and your belongs will be more cost more to replace.

In shorter words, if your roof cost $3,000 years ago, repair it right now will cost more. With this coverage, your insurance company may only pay the cost associated with the value at the time of purchase versus what it will actually cost to repair.

Our advice-  Speak with your local independent insurance agent on the coverages that make sense for you and your home. Licensed agents are experts in their field and can provide guidance.

Consider what type of belongings you have

Insurance agents emphasize how important is to be aware of your assets.

Your Texas home insurance can cover you from:

  1. Clothes
  2. Furniture
  3. Electronic device

What commons policies don’t cover is:

  1. Jewelry
  2. Fine arts
  3. Antiques

To have control over your belongings, create a home inventory. It helps you before getting home insurance and make it easier during the claims process.

Click here –> You can download our free home inventory template that is ready-to-use and editable.

Pets could increase your premium

Even though home insurance tends to cover you, having a dog could increase your premium if your furry friend bites someone.

Typically if you have one of these breeds:

Alaskan Malamute

Chow chow 

Doberman Pinscher

Pitbull

Rottweiler

Siberian Husky

Wolf Hybrid 

We know every dog is the best for their owner, we love them. Just keep in mind and seeking coverage that gives you the best rate, protection and won’t deny you coverage because of your furry pal

What is the best way to compare home insurance quotes?

Comparing quotes one by one it’s overwhelming and can be a waste of time. There are a lot of options on the internet, word of mouth recommendations and insurance companies around you. 

The best way to compare home insurance quotes could be by talking with an independent agent for this simple reason: they can compare and recommend you the best quote for your needs from several companies at once.

They partner with top-rated carriers and offer options, rates, and coverages that fit your needs for the best rate.

How do I choose a home insurance provider?

At last but not least, who will get coverage from? You have some options: a captive agent– can only offer one product/ company (i.e. State Farm, Farmers Insurance, etc.) or an independent insurance agency.

Look for history and experience 

Working with an independent agency isn’t enough, look for an agent that has years of experience because they can offer expert advice and be a knowledgeable resource for you. Your agent should be your advocate. They don’t work for one particular company, so their job is to provide you the best resources.

If you have doubts about your next Texas home insurance policy or would like an insurance check up, give us a call at 1-800-842-6572 or get a quote clicking here.

How to create a Home Inventory for Insurance Claims [Template Included]

Prevention and organization are key to make life easier. Learn more about the benefits of a home inventory list, how to create one and even download our free template. You can use and edit as however you want!

Why do I need a home inventory?

If you have home insurance you need to take control of your belongings. A home inventory list makes it easier during the claim process for you and your insurance company.

Throughout our lives, we’ve bought and saved many things and most of the time we’ve never remember all the valuables we have and accumulated. This makes harder during the claim process.

Be honest, after a natural disaster or something similar, could you remember a list of all your damaged belongings? Perhaps you couldn’t and it’s pretty normal. That’s why it’s important to work on your home inventory right now. Why wait?

A home inventory list is a great resource when you are shopping for your home insurance. It could help you purchase a policy that fits what you need instead of what you think you need.

Benefits of doing a home inventory for insurance:

    • Organize your belongings
    • Make the claim process easier
    • Make clear what things need to be covered by your insurance
    • It helps you when you shop for home insurance for the first time.  You can evaluate and have a better idea of what needs to be covered. No need to add all that additional coverage.

What things need to be on the list?

A standard home insurance policy cover your personal belongings that include furniture, clothes, electronic devices, and other personal items.

Consider purchase a special policy to cover items like jewelry, silverware, furs and expensive things like these.

Include basic information:

  1. Type of item
  2. Model
  3. Where you bought it
  4. Date of purchase
  5. Purchase price
  6. Where the item is located
  7. You can add photos

How can I do my home inventory list?

1. Start room by room

Write what you have in each area of your house: kitchen, room, living room, dining room and so on.

2. Add belongings that your policy covers

It doesn’t make sense adding everything you have in your house, keep in mind what your policy cover and take it as a guide. Write all those valuable things and nevermind useful things.

3. Generalize the same kind of stuff

Things like clothes or some furniture you can generalize and group them in the same field. Example:

5 dresses 

8 pair of shoes

4. Take photos

Capture how your belongings look, Take an overall picture of each room. Organize and clean each area before taking a picture for your insurance. Make sure they can see clearly what you have.

5. Attached proof of purchases

Purchase contracts, sales receipts or bills helps you prove you’re the owner and the value of the products.

Take advantage of online and offline resources

When you finish your home inventory list keep it in a safe place. What’s the point to get it if you couldn’t find it when you need it? Save you list on a cloud, if you got email likely you have free access to cloud storage. Outlook cloud, Google Drive, Dropbox, Media Fire and more…

Home inventory apps are available for iOS and Android, most of them aren’t free, though.

  1. Home Inventory
  2. BluePlum Home Inventory
  3. Nest Egg
  4. MyStuff

Good news! You don’t need to pay for a home inventory creator! Download our home inventory list template for free- edit and save right in your cloud storage. Let’s get your personal belongings organized!

Download The Home Inventory Template

Download Now!