3 Things to Consider When Purchasing Home Insurance

If you are purchasing a home insurance policy, you may be feeling a tad overwhelmed. Luckily, we now live in the information age, and there is no reason to venture blindly into anything. That said, the following is an overview of three things to consider when purchasing home insurance.

Flood Insurance or Not?

First off, depending on where you reside, flood insurance may be vital to maintaining your property. Although many people seem to believe home insurance covers flood damage, this isn’t necessarily the truth. In fact, it is fairly common for home insurance policies to only cover specified damages with regards to flood damage. Therefore, if you feel your home is especially at risk of being flooded, it would behoove to purchase flood insurance.

Location Woes

Similarly, depending on where you live, there may be other common issues that may be catastrophic to the home. Therefore, if you are buying a home in an area that is prone to certain natural disasters, you will want to get additional coverage.


In general, the deductible can affect your rates. For instance, a higher deductible can make for lower payments, which can make for more money in your pocket in the long run. However, if a major hurricane hits Houston, you’re going to be happy and relieved you opted for that low wind and hail deductible.

Overall, for those residing in Houston, TX, Memorial Insurance Agency is a great option. Proudly serving the Houston, TX area, Memorial Insurance Agency is a premier insurance company with outstanding customer service representatives and competitive rates. Visit our website to find out how you can start your policy today and hopefully save!

5 Reasons to Choose an Independent Insurance Agent

Still unsure whether an independent insurance agent is the best way to go for your home, auto, umbrella, flood, renters, or rental property insurance? Read below!

  1. You save money: The difference between your current policy and the best option available in the marketplace can be hundreds or even thousands of dollars per year. Put your independent agent to work finding the best policy for you!
  2. You have more choice: Let’s say you are shopping for homeowners’ insurance. An independent agent has many companies to choose from (Memorial Insurance has more than 22!), whereas a captive agent – such as State Farm – has just one. Who is more likely to be able to offer the most suitable policy at the lowest price?
  3. You get better discounts: New roof? Got married? Improved credit score? If you stick with the same policy for years, you run the risk of missing out on savings if no one is checking. Your independent agent will review your policies annually to make sure you’re receiving all possible discounts.
  4. You stay under one roof: Life is easier when you have your home, flood, auto, boat, umbrella, and rental home policies all in one place with someone you know.
  5. You make informed choices: Unsure about whether to file a claim? Don’t know what is covered under your policy? Your independent agent will make sure you’re not missing any essential coverage, as well as providing guidance and advice. There are no 1-800 numbers here …. you just call and speak directly to someone who knows you.

2018 Hurricane Prep Toolkit

Thank you to our friends at Lighthouse Insurance for the following advice. Make sure you’re well prepared for hurricane season!

Weather Alert Apps: A variety of free smartphone apps help you stay ahead of the weather. The sooner you know, the more time you have to prepare. Check out more details here.

Emergency Preparedness Kit: Get these things in advance so you’re ready for when a hurricane hits.

Hurricane Prep Resources: Follow these tips for having emergency communication and action plans – essential when a major hurricane strikes.

Stay Safe this Summer!

Why Hurricane Harvey Will Happen Again

Flooding and devastation was widespread throughout Houston after Hurricane Harvey.


Ever heard the following words?: “My house has never flooded, not even during Hurricane Harvey, so I don’t need to purchase flood insurance”. In the following interview, featured in Texas Monthly, local expert Professor Samuel Brody explains exactly why this is the wrong kind of thinking. A must-read as we approach peak hurricane season!: Why Hurricane Harvey WILL Happen Again.

10 Tips for Staying Safe this July 4th!

Ensure your Independence Day weekend is filled with celebration and not regret with these 10 fire safety tips, from the Federal Emergency Management Agency (FEMA):

  1. Be sure fireworks are legal in your area before using or buying them.
  2. Always have an adult supervise fireworks activities and never allow children to play with or ignite fireworks. Sparklers alone account for one quarter of emergency room fireworks injuries.
  3. If you set off fireworks, keep a bucket of water handy in case of malfunction or fire.
  4. If fireworks malfunction, don’t relight them! Douse and soak them with water then throw them away.
  5. Never ignite fireworks in a container, especially one that is glass or metal.
  6. Use your grill well away from your home and deck railings, and out from under branches or overhangs.
  7. Open your gas grill before lighting.
  8. Periodically remove grease or fat buildup in trays below your gas or propane grill so it cannot be ignited.
  9. Declare a three-foot “kid and pet-free zone” around the grill to keep them safe.
  10. Avoid loose clothing that can catch fire when cooking on the grill.

The Red Cross also has plenty of useful information and tips about firework, water, and picnic safety, at http://www.redcross.org/news/article/Have-a-Safe-Fourth-of-July.

Happy Independence Day everyone!