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What is Best for You: Replacement Cost or Actual Cash Value?

What is Best for You: Replacement Cost or Actual Cash Value?

Your homeowner’s insurance is designed to protect your belongings. But does it?

Most homeowners could not replace their belongings and repair their home without the aid of home insurance. Should your home face a listed peril, such as damage from a thunderstorm, fire, hail, or natural disaster, you may be faced footing the bill to get your home back to your home-sweet-home status. This is a worst case situation for most homeowners!

Fortunately, if your home and belongings are lost in such an event, home insurance steps in to cover costs of replacement and repair! With this reliable safety net, your finances don’t have to be siphoned due to a hurricane or theft.

Within a homeowners insurance policy, homeowners can opt for Actual Cash Value or Replacement Cost. But when it comes down to it, what is the difference?

More Bang for Your Buck
Payment based on the replacement cost of damaged or stolen property is usually the most favorable figure from a homeowner’s point of view. This is because it will compensate you for the actual cost of replacing property.

For example, should your high-end electric guitar be stolen, a replacement cost policy will reimburse you the full cost of replacing it with a new guitar of the same kind. The insurer will not take into consideration the fact that you played this guitar every day for the last two years, causing a considerable amount of wear and tear!

Cashing in the Value
Contrastingly, actual cash value (ACV), otherwise terms as market value, is the standard that insurance companies arguably prefer when reimbursing policyholders for their losses. Actual cash value is equal to the replacement cost minus depreciation.

In short, it represents the dollar amount you could expect to receive for the item if you sold it in the marketplace. In the case of the stolen guitar above, the insurance company would deduct depreciation and return you the difference.

Now that you know the difference, make sure that your home insurance covers your home and belongings in the best method to suit you. For a quality policy to match your needs and budget, contact the Insurance Agency of Dean Davis, serving Austin and neighboring cities in Texas today!


Homemade Veggie Burgers for 4th of July!

Homemade Veggie Burgers for 4th of July!

Whip up these delicious vegetarian burgers for your celebrations!

Celebrations for the 4th of July are right around the corner, and we all know that that means barbeques are coming out and beer is chilling in the fridge. If you’re hosting a neighborhood party, colleague gathering, or even just enjoying the day with your family, be sure to add these healthy burgers to the menu.

Serve this meatless black bean burger on a run with hot sauce, lettuce, and tomato!


  • 1½ cups cooked quinoa
  • 1-15 ounce can black beans, rinsed and drained (or about 1½ cups)
  • ½ teaspoon ground cumin
  • ½ teaspoon paprika
  • ½ teaspoon garlic powder
  • ½ teaspoon onion powder
  • ½ teaspoons salt
  • ¼ cup + 1 tablespoon chunky salsa
  • ¼ cup + 2 tablespoons breadcrumbs, divided gluten free if necessary
  • Olive oil, for browning burgers
  • Buns


  1. Add all ingredients plus ¼ cup of the bread crumbs to a food processor. Process for 45-60 seconds, until all ingredients are blended together, but still a little bit chunky. Transfer mixture to a medium sized bowl and refrigerate for about ten minutes. Remove from the refrigerator and stir in the remaining 2 tablespoons of bread crumbs. Form mixture into patties. You will get about 6 patties, depending on the size you make them. Line a large sheet pan with parchment paper and place black bean burgers on. Refrigerator for about 20 minutes.
  2. Heat a large pan over medium heat and coat the bottom with olive oil. Cook the burgers for about 3-5 minutes on each side, until crisp and heated through. Top with your favorite burger toppings and enjoy!

From the insurance professionals, we hope that you enjoy these delicious veggie burgers on your 4th of July celebrations! So that you can thoroughly enjoy the day, contact the Insurance Agency of Dean Davis in Austin, Texas to get started on your tailored policies.


Protecting Your Business’ Outdoor Areas

Protecting Your Business’ Outdoor Areas

How are you protecting your business outside?

Many business owners are concerned with protecting their business from the indoors out. However, protecting your business from the outside first will minimize the risk of theft or damage to the inside. It makes sense, right? For your business, it’s important to protect your outside property as well as the interior equipment, documents, and other important items.

Below are a few items that are outside your office that you should consider covering:

Offsite equipment: Does your business have expensive equipment? Items such as a sound system or machinery are often transported taken to jobs offsite should be insured in case of damage or theft.

Outdoor property: You may have some property that you always store outdoors and would cost more to replace than your business owner’s policy could cover. Everything from your satellite dish to fencing to the antennae can be covered. This coverage can also help to cover the expenses associates with heaters, tables, and chairs from perils.

Landscaping: Your outdoor area may be complete with a rock garden, succulent garden, trees, and water features. Protecting your investment to this area is just as important as protecting your tables and chairs. These items can be protected against theft, vandalism, and certain storm damage.

Exterior signs: You may want to consider adding these items to your business owner’s policy to ensure that if they are damaged in a storm or another listed peril, they can be repaired and replaced.

The best way to protect your property is to secure your premises. Lock everything up each night, install security cameras, and add extra lights where and when you can. These elements strongly deter thieves from entering the property, let alone vandalizing or stealing from it.

Additionally, contact the Insurance Agency of Dean Davis to secure your business insurance in Austin, Texas to protect your company from the outside in!


Basics of Motorcycle Insurance

Basics of Motorcycle Insurance

Motorcycle, moped, scooter – whatever you drive, make sure it’s protected.

Now that summer is right around the corner, you may have been enjoying the summer sunshine from the seat of your motorcycle. Your beloved bike gets you from point A to point B, all while skipping through traffic jams and enjoying the local scenery!

But, before you set off on the open road on your motorcycle, you need to make sure that you have the right motorcycle insurance. It’s always a good idea to know the basics of coverage so that you know exactly what you are looking for in an insurance policy, and if additional coverage makes sense for you. You wouldn’t buy a car and not insure it, so why leave your bike exposed to damage and risk?

Here’s a breakdown of the type of coverage which you can typically choose:

Bodily injury liability – If you cause an accident in which someone in another vehicle or a pedestrian is hurt, this coverage can aid the medical expenses that would arise from the accident.

Property damage liability – If you are at fault in an accident that damages a person’s property, such as a vehicle or building, this coverage can help to pay for repairs or replacements.

Medical payments – Should you or your passenger get injured in an accident and need medical attention, you can expect the policy to pay for part or all of the medical costs.

Personal injury protection – Regardless of fault, this coverage can aid the costs resulting from an accident. This can include lost income, medical bills, funeral costs, and child care expenses.

Collision – If your beloved bike is damaged due to a collision with another bike, car, or structure, collision coverage can help pay for repairs to get your bike back on the road again.

Comprehensive – This covers damages and loss from theft, vandalism, hail and more!

Uninsured or underinsured motorist bodily injury – Not every driver on the road is adequately insured – or insured at all. If you or your passenger get injured in an accident by this driver, this coverage can help pay for the damages and injuries when the driver’s insurance (or lack there of) cannot.

Roadside assistance coverage – This pays for things like towing and jumping the battery. Nothing should stand in your way of making it to your summertime plans, not even a flat tire!

If you have a specialized or custom bike, you may consider insuring these aspects of your bike!

Are you ready to secure the most reliable insurance policy for your motorcycle? At the Insurance Agency of Dean Davis, we’re dedicated to securing each motorist with motorcycle insurance that they can rely on! Serving Austin and neighboring cities in Texas, visit us today!


Whip Up This Light Summer Pasta Salad Recipe!

Whip Up This Light Summer Pasta Salad Recipe!

Summer is almost here – it’s time to enjoy the seasonal food!

Get ready to wow some taste buds! This seasonal pasta salad will be a hit at any summer party or spring cookout. As a dish that compliments all others, this recipe is sure to please and impress your guests.

You may be turning to this recipe more than once this summer, so check it out below:


Pasta Salad

  • 1 lb pasta
  • 1½ cups cherry tomatoes, halved
  • 1½ cups haricots verts (green beans), chopped into small pieces
  • 1 cup finely chopped kale

Mustard Vinaigrette

  • 6-8 spring onions, using the white + light green parts
  • Juice from 1 lemon
  • 4 tbs almond milk
  • 2 tbs extra virgin olive oil
  • 2 tbs water
  • 4 tsp Dijon mustard
  • Salt + pepper


Mustard Vinaigrette

  1. From the spring onions, take the white bulb + ½ inch above bulb, where it starts to turn light green. Roughly chop, and combine with all other ingredients in a high-speed blender. Mix until the vinaigrette has a smooth, creamy consistency.

Pasta Salad

  1. Cook pasta according to directions. When finished cooking, drain and set aside to cool.
  2. Chop tomatoes and haricots verts, mixing each with pasta once it has cooled.
  3. Finely chop kale, and combine 1 cup with pasta salad.
  4. When pasta and veggies are mixed, drizzle generously with vinaigrette.
  5. Serve and enjoy!

From the insurance professionals at the Insurance Agency of Dean Davis, we hope that you enjoy this summer recipe! For all of your insurance needs in Austin, Texas, contact us today!


Top Bad Driving Habits to Avoid

Top Bad Driving Habits to Avoid

Avoid accidents and damage by adopting a safer driving style.

As motorists get used to the roads, their Driver’s Ed safety skills can start to slip. However, speeding and rolling through stop signs is never safe, no matter how experienced you are. In the U.S., there are an average of 35,000 deaths a year resulting from traffic accidents. As we all know, accidents don’t just happen; they are caused. While our cars are getting smarter, this doesn’t mean that the driver has to think less.

Avoid these bad driving habits that you may have fallen into:

Forgetting to use your turn signals: Your indicators are your only way to communicate with other drivers. Failing to use them can cause a rear-end collision, or cause someone to pass you as you’re about to turn.

Rubbernecking: You all know who you are… Slowing down to look at crashes or construction is not only dangerous but can also contribute to a chain reaction of slowed traffic. Keep your eyes on the road ahead so that you can stay alert to closed lanes or police officers directing traffic.

Hogging the left lane: The left lane is supposed to be the passing lane. If you’re cruising well below the speed limit in this lane, you may provoke other cars who are driving faster to pass dangerously on the right.

Speeding: Flying down the road is a quick recipe that will land you on the receiving end of a speeding ticket or in a serious car accident. Sticking to the speed limit will remedy this!

Running yellow (or red!) lights: This dramatically increases your chance of a crash! If the light turns yellow before you reach the intersection, it’s best not to risk it.

Distracted driving: Avoid texting, making phone calls, shaving, putting your makeup on, eating, drinking, and juggling while driving! Anything that distracts your focus from the road should be avoided at all costs.

Driving too fast for weather conditions: It’s just rained. The roads are slick with oil and water, yet drivers still feel that reaching 70 mph on city streets is a good idea. It’s not! Slow down to avoid skidding, spinning, and causing an accident.

Now that you know what bad habits to ditch, be sure to secure your auto insurance policy! At the Insurance Agency of Dean Davis, we’re dedicated to providing each motorist with car insurance that they can rely on! Serving Austin and neighboring cities in Texas, visit us today!


Tips to Improve Your Employees’ Health!

Tips to Improve Your Employees’ Health!

Benefit your business and your employees’ health all in one!

It’s no secret that employees are happier at work when they’re healthy. With the right frame of mind and improved physical health, your workforce can be stronger than ever. Of course, not every business is equipped to host after-work exercise groups or supply every member of staff with a gym pass.

Boosting your employees’ health doesn’t have to cost a fortune or steal time away from daily duties. Check out how your business can get started with improving your employees’ health:

  • Sponsor a healthy breakfast or lunch.
  • Replace sugary snacks and fizzy drinks with a bowl of fruit and bottles of water.
  • Host a “fitness walk” during lunch breaks or take walking meetings instead of sitting in the conference room.
  • Encourage employees to hand-deliver messages rather than using e-mail.
  • Provide worksite health screenings.
  • Pin healthy recipes to the office fridge.
  • Invite a fitness instructor to offer before or after work demonstrations.
  • Encourage your team to sign up for a local marathon together.

Of course, with employees with better health, your company will benefit! You’ll get.

  • Increased productivity among employees.
  • Reduced rates of absenteeism and illness.
  • Increased well-being among employees.
  • Improved physical fitness and stamina.
  • Reduced stress among employees.

Business owners, are you ready to get started on your plan to better your employees and company? Contact the Insurance Agency of Dean Davis to secure your business insurance in Austin, Texas to protect your company as it grows and evolves!