Brad Spurgeon Insurance Agency Inc.

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1118 14th Street N, Texas City TX, 77590
(409)945-4746

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Things to Consider in Picking the Right Auto Insurance

9/18/2020 2:23:00 PM by Brad Spurgeon Insurance Agency Inc.

Having auto insurance is a must if you are a vehicle owner. Selecting the suitable type of auto insurance can save you from the burden of financial concerns in the future in case of car damage, loss, crashes, or injuries acquired from driving. To understand auto insurance better, here are the things you must consider in picking the right auto insurance for you:
Uninsured/Underinsured Driver Coverage
In case of accidents involving underinsured or uninsured drivers, this part of insurance will answer for the repairs that your vehicle needs. Also includes hospital, grieving, and funeral expenses to those involved in the accident.

Coverage for Collision
This coverage aids in vehicle repairs costs. In case the repairs add up to more than the value of the car, your provider will most likely pay for the total value of the vehicle itself.

Coverage for Bodily Injury Liability
In case of accidents causing harm to other people, hospital expenses, recovery fees, funeral bills, legal fees, and grieving costs are covered by this. It includes all passengers found in your vehicle and in that of the other vehicles and affected pedestrians.

Coverage Property Damage Liability
This covers the harm you brought to other vehicles including damage to property. This insurance will aid in paying for repairs and change of vehicle parts. Keep in mind that it rarely includes damaged personal vehicles that require you to have collision coverage.

Pricing for Cars According to Age
Potential damage to one’s car also determines insurance rates. Vehicles with increased safety features are less likely to be harmed in case of collision, equating to lower rates. The same goes if you possess an old vehicle that has been previously insured.

Conclusion
It is given that you need to buy car insurance, but remember not to overpay for coverage you won’t use. It is a good decision to compare offers and look for corresponding coverage requirements then figure out what type and how much coverage you need based on your needs, driving habits, and current financial situation.

At Brad Spurgeon Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at ;(409) 945-4746. Get your free quote today ;CLICKING HERE.

Keeping Water Out Of Your Home

12/20/2018 11:29:00 AM by Brad Spurgeon Insurance Agency Inc.

There are many ways water can enter your home. From above, rain, snow, and hail can enter and damage your roofing. From below, massive floods can severely rearrange or even dislodge your home. We use water every day in our lives; it has the power for us to do many things. However, it can also be a source of danger. Water damage can come in an instant, or creep up in your home over a period. This is why it is important always to inspect and check your home for signs. Here' a look through each major component of your home. Roof And Gutters The roof is your first line of defense from falling water. In whatever form, water can be dangerous in large amounts. Check your roof's seams and openings. Take extra attention to skylights, chimneys, air and plumbing vents, and other openings. Over time, cracks and breaks in the seals may develop. The gutter is an integral part of your roofing. Maintaining its cleanliness ensures it is working properly. Make sure it is always free of debris. Water needs a clear path to exit your roof. If there is any blockage, it can overflow or even collapse under the weight of having too much water. Walls, Windows, And Doors Your wall may seem solid, but even your wall can be susceptible to water. Check with your developer or contractor on the material used on your walls. Ensure the proper waterproofing has been installed. Even if they follow the correct building codes, complete waterproofing is not ensured. If your windows and doors are made of wood, it may swell as it gets wet leaving a not so tight seal on the panels. Silicone sealants can go a long way, or you may even try replacing them with newer options that can even help reduce electricity consumption. Foundation The big concrete pillars of your home are porous. Since they are massive and solid, it is easy to forget that water can go straight through them. Also, over time, as with any wear and tear, cracks can develop. Concrete sealant, or adding additional layers to your foundation are options to fix this. Conclusion Water gives us life. It is an integral part of our lives. As much as we depend on it, it can also be a danger to us. Just like anything, we should always ensure our home's protection. This is what the right insurance can give you. At Brad Spurgeon Insurance Agency Inc., our mission is to ensure that we protect are clients and offer them policies that they can afford. Learn more about our products and services by calling our agency at (409) 945-4746. You can also request for a free quote by CLICKING HERE.

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