Archive for May 2013

What Determines the Price of My Auto Insurance Policy?

There are a myriad of factors that go into determining the price of auto insurance. Some of those factors are within your control and others are not in your control. Your age is one of those factors that are not within your control as is the case with whether or not you are male or female. Yet both impact the rate you pay for auto insurance. Where you live, and your driving record are two additional factors that you can control and both impact your auto insurance rate.

Insurance is a measurement of risk, so behavior is a key indicator of risk. If you have a history of reckless driving, than an insurance company is going to see that behavior is a risk and your auto insurance rates will rise. If you are a careful driver and do not have a history of traffic tickets and at-fault accidents, then it is likely that your auto insurance rates will be lower than the average driver. Talking with your insurance agency is a good way to find out how to get the best auto insurance rate. Some agencies offer discounts for various situations like a high grade point average or multiple policies. If you would like to find out what discounts are available for auto insurance, please contact Dean Davis Insurance. They are a professional full service insurance agency servicing the Austin Texas area.


What types of disasters are covered by my homeowners insurance?

One of the first questions every homeowner should ask their homeowners insurance company is what types of disasters are covered with homeowners insurance? It is important that consumers take the time to ask these kinds of questions because it allows them to prepare for what is not covered. Sometimes that means adding additional policies to help cover property damage. Austin is prone to some significant forces of nature, such as flooding, tornadoes  extreme thunder and lightning, hurricanes, and hurricane force winds. Does your homeowners insurance policy cover all of these disasters?

A general tip for all homeowners is to review your insurance coverage annually. This applies to auto, home and life insurance policies. Assets appreciate and depreciate each year. Checking your insurance coverage annually will help ensure that you always have the proper level of coverage.

Dean Davis Insurance services Austin, Texas and the surrounding areas, offering full service insurance services. The helpful and professional team at Dean Davis Insurance can help answer any questions that you might have. If you would like to find out the disasters covered by homeowners insurance, then please contact Dean Davis Insurance.


What to do after a Car Accident

Even a non-injury car accident can be traumatic to deal with, but what follows can often be worse. Understanding what to do after a car accident can save you miles of headaches. The first thing to do is remain safe. Safety is always the best bet. The second thing to do is collect evidence. Even pictures from a cell phone can help determine fault. If the accident is not your fault, then you will have to prove that the other person caused the accident. This is achieved by gathering evidence. Take down the names of anyone who saw the accident. Record the time of the day, and other details like vehicle speed (estimations) whether or not pedestrians were involved. Try to capture how the accident occurred by taking pictures of the angels of the cars involved.

Contact your insurance company immediately. They need to conduct their own investigation and time is important. People forget what happened really quickly after an accident. If you have names and contact information of witnesses, then provide that to your insurance company. Even if, the other party claims to be at fault right after the accident, they may change their story. Reporting an accident to your insurance is important. Dean Davis Insurance is a professional full service insurance agency servicing the Austin Texas area. If you would like information about auto insurance then please contact Dean Davis Insurance.


Shaky Foundation? Protect Your Home Foundation.

One of the biggest risks to your home investment is damage to the foundation. There are common things to look out for and a few things you can do to protect your investment.

Threats to Your Home’s Foundation

Shifting or changing soil can cause your entire foundation to crack. If the soil under your home contracts or loosens, your foundation will resettle. If it doesn’t resettle favorably, then it will crack.

Tree roots and thick foliage can pose a threat to your foundation by keeping it too dry or depriving them of necessary moisture. Moisture can, at times, protect against changes in soil composition. Invasive tree roots will deprive the foundation of needed moisture in these cases. On the other hand, vines and other heavy foliage can trap moisture and dampness and hinder the air flow process around the foundation of your home.

Mixed soil composition around the base of your home can cause the foundation structure to settle unevenly. In these cases, the foundation could crack over a jagged-soft patch mix, as the heaviness of the house bears down on that point.

Changes in temperature or extreme weather conditions can cause unforeseen damage to your home’s foundation. For example, the lack of moisture from a drought can cause the soil around your house to change composition and resettle badly.

Things that You Can Do to Protect Your Home Foundation

Cutting away heavy and thick foliage can keep a well vented and favorable environment for your foundation. Also, not planting moisture depriving trees from the foundation can keep a consistent soil base.

Inspect the foundation before purchasing. Perhaps, the best thing to do would be to check for bad or unstable soil before buying. If you find cracks or see potential dangers, abandon the deal.

Purchase homeowners insurance. Other conditions pose threats that you cannot protect against alone. Associates of Dean Davis Insurance can help. Contact Dean Davis Insurance, if you want to protect your home foundation from common issues common in the Austin, TX area.