Archive for August 2013

Easy Tips for Planning a Healthy Diet & Sticking to It

There are many things you can do to improve your overall health, but one of the most important is eating a healthy diet. This does not mean “going on a diet”, necessarily, but does mean adjusting the foods you eat to better fuel your body and help you get healthy.

The most important tip is that you should focus on creating a diet you can stick to for the long haul. While cutting out all fast food from your diet may be a good thing, if you travel a lot, it may not be practical. Instead, you may want to limit your fast food intake, make smarter choices or exercise portion control.

Another important tip is that you should make sure you are eating enough fruits and vegetables. These foods have plenty of nutrition and less calories than other food groups. Therefore, you can get full without using too many calories. Start a meal with a salad (topped with low-cal dressing or lemon juice) and you are less likely to overeat higher calorie foods.

Contact the Insurance Agency of Dean Davis today with any insurance questions you may have.

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How should I organize and store my life insurance records?

How you organize and store your insurance records can make all the difference in the world to your beneficiaries. The non-profit Insurance Information Institute has some helpful tips:

What information should you keep?

  • The name of the issuing life insurance company
  • The location of the company’s home office
  • If the company is part of a group of companies include the name of its U.S. headquarters
  • The policy number
  • Date of issuance
  • Death benefit amount
  • Name and contact information of your local agent
  • Location of your actual policy
  • The type of policy (whole life. Term, etc.)

Where to store life insurance records.

The institute suggests keeping your insurance records along with your other financial records in your home and at another off site location. This may be in a safety deposit box, with an attorney or accountant, or with a relative. You should make family members aware of where these records are kept.

Organizing life insurance records can be a big help for your loved ones who are left behind. If you have any questions regarding your policies or would like a review please contact us at the Insurance Agency of Dean Davis.

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Keeping the Foundation of Your Texas Home Sturdy

Maintaining the foundation of your home is extremely important. A foundation that is not properly maintained can eventually lead to extremely costly and extensive repairs. Luckily, maintaining a good and sturdy foundation in a Texas home isn’t overly difficult. There are just a few things a homeowner should remember.

Homeowners should always make it a point to inspect the foundations of their home every few months to see if there is any potential damage occurring. During the brutal Texas summers it may be important to saturate a concrete foundation on a weekly basis with water from a hose. Otherwise, the concrete may contract too much and may begin to fracture.

When it rains, homeowners should also make sure that the area around their home is draining properly. After particularly hot summers, rainwater has a tendency to collect around a structure instead of training into the earth because the earth is so dry and compact. Homeowners can observe the rain run off to determine whether the water is moving away from their house or moving towards it.

For information about homeowners insurance for Texas homes, especially the Austin, TX area, contact the Insurance Agency of Dean Davis.

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The Austin Chronicle Hot Sauce Festival

The Austin Chronicle Hot Sauce Festival began in 1990, and since then, it has become the largest festival of this kind in the world. Each year, a pool of over 350 contestants enter the three-level hot sauce competition. The three groups divide entrants according to individuals (for homemade sauces), restaurants, and commercial bottlers. Judges are chosen from among the state’s finest chefs.

There is much more to this special event than a hot sauce competition. It serves as a major fund raiser for the Capital Area Food Bank of Texas. In 2012, the six hour-long festival collected nearly 15,000 pounds of food and more than $12,000 in donations. Spectators are asked to donate three healthy, non-perishable food items or give a cash donation to the food bank as admission.

Food vendors will have food for purchase, and attendees can listen to live music at the Planet K stage. Attendees can purchase raffle tickets for $5 each for a chance to win one of up to five Sizzling Summer Raffle Packages with a cash value of over $500 each.

The festival takes place on August 25, 2013 from 11 AM to 6 PM at Fiesta Gardens, at 2101 Jesse E. Segovia Street in Austin, TX.

Whether you’re a spectator, a food vendor, or a hot sauce competitor, be sure to contact the Insurance Agency of Dean Davis to discuss all of your insurance needs.

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If a Tree Falls on My House, Am I Covered?

As a homeowner, you purchase insurance to cover your home in a variety of different situations, including damage that results from a tree that falls on your home. Regardless of whether the accident happened because of lightening, intense wind, or hail, your standard homeowners insurance policy will cover this and similar situations.

This is especially important for Texans because the state is susceptible to damage from hurricanes and severe windstorms. It isn’t unusual for trees to be entirely uprooted or for large branches to turn into projectiles from the intense force. In the aftermath of these sorts of weather situations, insurance companies typically won’t care about the tree’s origin.

Your insurance coverage extends to situations where your neighbor’s tree falls on your home, even if the tree fell because of their failure to maintain the tree to prevent this type of situation. In cases like this, your insurance company may use a process called subrogation to try to collect the money to cover damages from your neighbor’s insurance company.

If your insurance company does collect from the other company, your company may reimburse you for the amount of your deductible that you would have had to pay before your insurance took effect. Your coverage may also pay the cost of removing the tree.

To learn more about trees and insurance coverage, contact the Insurance Agency of Dean Davis.

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Knowing When to Review Your Policy

Many people forget that during major life events it’s very critical to update your life insurance policy. If you forget to update your life insurance policy your family may later find that you were underinsured and this may leave them in a very difficult financial situation. To ensure that your family is always taken care of you should always review and change your insurance policy to suit major life events.

Getting married is likely the first major life event that one will need to change their life insurance for. You will want to change your beneficiary and make sure that your spouse will be provided for if you pass on. Getting divorced is also an important time, however, because it is when you will need to change your beneficiary again. When children are born and when major purchases such as homes are made are also important times to review your life insurance plan, as are any times you make large financial against such as an inheritance.

For more information about when to review your policy or if you simply want help reviewing your life insurance policy contact the experts at the Insurance Agency of Dean Davis.

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Buying the Right Amount of Life Insurance

When the time comes to buy that first life insurance policy, knowing how much insurance you need means some careful calculations and considerations. It is important that you understand all of the factors when you choose a policy limit. If you are the primary source of your household’s income, you need to be sure that you include a sufficient amount in your policy for income replacement. Think about how much of your annual income is typically applied to household costs, or how much your surviving family members would have to receive in order to make ends meet after paying your funeral costs.

Make sure that your policy also includes enough to settle any of your debt that is not already protected by supplemental insurance. Finally, consider how much additional would be helpful for your family to have money for expenses while they learn to adjust to daily life. You may decide that you want trust funds for your children. If so, include this amount in your policy limit as well, and specify the calculations in your will. For more details about your policy and coverage options, contact the Insurance Agency of Dean Davis today.

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