How To Prepare Your House for a Windstorm

You never know when a disaster will strike, and having the right insurance will protect your investment and your resources. Windstorm insurance covers damages caused by high winds. Windstorm insurance covers roof damage, window damage and damage to personal property if the wind enters the house and causes damage. Windstorm insurance can also cover detached structures such as garages and sheds.

So, having windstorm insurance is just smart. But smarter than having the windstorm insurance is also taking preventive measures to protect against the damage of a windstorm. How? We are glad you asked!

Annually, have your roof inspected by a professional. Monthly, walk around your house and inspect the roof. Look for loose shingles, downspouts or gutters that seem loose or are bending. If you see any of these, get them fixed right away. If a windstorm hits, it could take off the shingles and cause water damage. The windstorm can also rip away damaged downspouts or gutters and cause not only water damage, but roof damage as well.

Each spring and fall, have dead tree limbs removed. Little limbs can seem insignificant, but they can get blown into your gutters and cause damage. So, twice a year have someone remove the dead tree limbs. If the tree is on public property, contact your city and let them know the problem. Keep track of notifying the city if there is damage before they take care of the problem.

Each year, check shutters and outside decorations. Make sure they are securely fastened. If you have decorations that are not fixed in place, make sure they are in an area where a windstorm won't carry them into a window. For patio/deck furniture, this is easily solved by using zip ties to loosely anchor the furniture.

If you have sheds or other types of buildings, take the time to anchor those into the ground. Most home improvement stores sell anchors and will tell you how to use them. It won't take more than 30 minutes to safely anchor those buildings.

So, be smart and have windstorm insurance, but be smarter and prepare your house for high winds.

Start protecting your home today. Call Reliable Insurance Managers at (713) 227-7283 for more information on Katy windstorm insurance.

Teenage Auto-Insurance: How to Keep the Premiums Low

Houston Auto insurance companies have a way of categorizing drivers as either high-risk or low-risk drivers. Those who are deemed high-risk have to pay higher premiums than their low-risk counterparts. Incidentally, teenage drivers are classified as risky drivers, and have to pay high premiums. Luckily, there are a few things you can do to enjoy low insurance premiums for your teenage driver.

Choose the Car Wisely
Ironically, teenage drivers who are believed to have risky driving tendencies are the same ones who have a liking for fast cars, and these cars also attract high insurance rates. What you should know is that high premiums are calculated on a combination of several factors, so you can mitigate these other factors to get low premiums. On the issue of cars, you should choose an economical car for your teenager, preferably a used one. Old cars, which tend to be cheap, are also cheap to insure.

Combine Your Policies
If you have multiple policies from a single insurance firm, you should make use of this knowledge to get cheap premiums. For example, you can combine your home insurance with your teenager's insurance. You might even get lucky and land an umbrella policy, which entitles you to extra liability coverage on top of your usual coverage limits. This extra coverage may come in handy for your risky teenage driver.

Help Your Teenager to Maintain Good Grades
The motor vehicle insurance industry has a few peculiarities, and one of them is that teen students with good grades are offered low premiums. Thus, this is one of the best ways of securing low premiums for your teenage driver. This discount is usually applicable even to those who have just started high school. Most insurers are offering at least 10% discounts for teenage students averaging at least a B average grade. In most cases, it is the most recent semester that counts.

Tell the Teen to Take an Approved Drivers Education Course

This is something that most people take for granted, but it can offer substantial savings on your teenager's auto premiums. Car insurance companies have different rates for this discount, but you will at least get something. To qualify, the driver should take a course certified by the Department of Motor Vehicles. Some insurers handle this by adding some years (say a two or three) of experience so that the driver is not viewed as a very inexperienced one.

Compare Several Quotes before Buying Coverage

The age old advice of shopping around for good insurance rates still applies. Auto insurance companies charge different premiums, and if you just pick the first one that comes to mind, you may end up with high rates for nothing.

You can get these quotes online or from your insurance agent. These and other tips will help you get low rates for your teenage driver, but you may still need professional advice. If that is the case, give your Reliable Insurance Managers agent a call at 713-227-7283 and we will help you through the process.

Katy Auto Insurance

Reliable Insurance Managers are a one stop agency that can handle all of your insurance needs. We use A+ rated carriers providing 24 hour claims service and exceptional customer service. We specialize in Katy auto insurance, homeowners and business insurance in Katy and Houston and surrounding areas.

We concentrate on providing low rates for the following coverage’s:

• Personal Auto


• Homeowners


• Flood


• Mobile Home


• Renters Insurance (Apartments, Condos, Townhomes, and Leased Homes)


• Motorcycles


• Boats and Jet Skis


• Travel Trailers


• Recreational Vehicles


• Business Coverage’s (General Liability, Business Auto, Property, Bonds, Equipment)


• Workers Compensation


• Life and Health (Individual and Group Benefits)