Commonly Asked Questions: What is the difference between Collision and Comprehensive coverage? Collision coverage in your auto insurance pays for repairs to your vehicle in an accident that you caused, while comprehensive coverage pays for repairs to your vehicle that is damaged due to a natural disaster, fire, theft and even animal crashes. Without these […]
Life Insurance Q&A
“What is the average cost of a funeral?” “I am the main provider for my family of four. What if something happens to me?” “Life insurance is just so expensive. How could I afford it?” These are just a few questions I’ve run into about life insurance. Let’s answer: The average cost of a funeral […]
Property Losses and Your Taxes
Irrecoverable Property Loss? The IRS Could Be Your Friend. Even though we are big fans of insurance and its valuable place in your protection planning, we also understand this basic truth: No one wants to have a claim. Yet when that times comes, your agent knows your homeowners policy will have a chance to prove […]
Welcome to the Team…Cross Pointe merges with Offenhauser and United
We are very pleased to announce that Cross Pointe has merged with two agencies in Texas and Arkansas. Offenhauser & Co. is an independent insurance agency (est. 1882) with locations in Texarkana, Atlanta, Mt. Pleasant, San Antonio and Austin, Texas. Providing commercial property & casualty insurance programs, employee benefits and personal insurance, their areas of […]
Homeowners Insurance & Liability – How Much Do You Need?
Homeowners insurance covers your home and your possessions, but it also covers liability. Liability is the part of your homeowners insurance that protects you if someone gets hurt on your property. With anything that happens (dog bite*, broken arm from a fall from a trampoline, a cracked hip from a slip on a deck, etc.) […]
What is the 80% Rule for Homeowners Insurance?
The 80% rule refers to the fact that most insurance companies will not fully cover a claim for damage to your house due to the occurrence of an insured event (such as a fire or wind damage) unless you have purchased insurance coverage equal to at least 80% of you house’s total replacement value. In […]