RateGenius Insurance

9300 United Drive, Suite 180
Austin, TX 78758

Spring Home Maintenance Tips

If you have a home insurance policy, you are required to properly maintain your home. If you fail to do so and a problem arises, the insurance company may have legal ground to deny your case. However, many homeowner’s are unsure of how to properly maintain their home. Following the cold, wet, and icy winter, there are a few things around the exterior of your Austin, TX home you will want to inspect and possibly have worked on or repaired.

They include:

The Foundation of Your Home

If you notice any cracks around the base of your home, you will want to have them inspected and potentially repaired to prevent further problems with the foundation of your home in the future. If you do not do so, the cracks can spread allowing water to enter your home.

The Roof

If you do not feel comfortable doing so yourself, a roofer can inspect the roof on your behalf. Catching any damaged or missing shingles and tiles, or any other roofing problems, allow you the opportunity to fix the problem before the next rainfall. Water can enter your home and cause a leak if your roof is not maintained.

Your Windows

Always inspect the caulking around your windows and look for signs of water damage. If you notice any signs of water damage around the windows, they may need to be re-caulked or you may need to have new windows installed. You can lose a great deal of energy through old windows and moisture damage can occur to your structural wall supports if water seeps in.

If you are in the market for a new home insurance policy in Austin, TX, Rate Genius Insurance would love to help. Contact us today to get started on a quote or use our online rating tool for quotes on your home and auto insurance policies.

Going Across State Lines and Car Insurance

The United States becomes a big open road to explore once a driver starts realizing where he or she can go with the interstates. Whether it’s the Grand Canyon, New York City, or the high deserts of New Mexico, the roads stretch out with multiple adventures and experiences. However, one thing a driver doesn’t want to experience is going somewhere long-distance without car insurance coverage. That leads to the question, what exactly happens when a car crosses a state line, especially when a car policy is written for a specific location and state? 

Fortunately, a sudden financial disaster doesn’t occur right at the political separation between one state and another. However, how one’s car insurance is written can be a little bit tricky. Most car insurance policies include the ability to go from state to state. That said, each state has minimum coverage requirements every driver has to have, whether as a resident or visitor. So if a driver starts off with a bare bones coverage policy, that could pose a problem when traveling to a state that has a higher minimum coverage requirement. Don’t let this happen to you, educate yourself before traveling.

Ideally, if one is going to be driving a lot regionally or across the United States, then a policy that is a bit more robust than the bargain basement level is advisable. The folks at Rate Genius Insurance can help, easily mapping out what differences exist between each state and what the effect would be on a given driver. Rate Genius Insurance wants to provide a policy that can be fit to the need of the driver. To find out more, give us a call to talk with an agent to find out what your insurance needs may be.

 

 

 

Keep Your Home Safe from Household Hazardous Materials

Nearly every household in the United States has household hazardous material (HHMs) as part of the household cleaning and maintenance.  These are often stored under the sinks, in closets, garages, and basements.  They are useful to help make household chores easier, but they can pose a threat to those in your home, especially children, or to the environment if they are not disposed of properly when they are not needed or expired. 

How to Tell if a Product is an HHMs

Household products that are considered hazardous will have one of these keywords: Warning, Danger, Caution, or Poison.  If products in your home have any of these keywords, then they could be toxic, flammable, corrosive, or reactive.

  • Toxic products can cause immediate or long-term illness because they are poisonous.  Often these are paint thinner, pesticides, some automotive products, and some cleaners.
  • If the product is flammable, it will ignite easily.  Products like paint, paint thinner, solvents, and some automotive products are flammable and combustible.
  • Corrosive products can eat through materials.  Items like oven cleaner, drain cleaner, toilet bowl cleaners, and automobile batteries are corrosive products that can be harmful.
  • Reactive materials are household products that should never be mixed because they can create poisonous vapors or spontaneously ignite when mixed.  You’ll need to review product labels for warnings about other products not to mix with or to keep away from heat, air, water, or shaking because they can explode.

Rate Genius Insurance

Our agents at Rate Genius Insurance want everyone to keep their household safe from hazardous materials.  Make sure your home insurance provides adequate coverage for any incidents caused by HHMs by contacting a Rate Genius agent today.  We provide homeowner insurance coverage for those with homes in the United States.

Why you need Insurance

Texas is a large community that offers access to the many beautiful cities in Texas has to offer. If you are thinking about moving to Texas or have just made the move, make sure you are properly insured through an insurance company like RateGenius, who can provide a wide variety of insurance at competitive rates. Below are some types of insurance you may want to consider, depending on your living and work situation in Texas.

HOME INSURANCE

Home insurance is a critical thing to have in Texas for a vast number of reasons. Beyond the unpredictable flooding due to a pipe breaking, or a fire breaking out, there is the constant threat of weather in Texas. Beyond the powerful winds that could wipe out a house, there is the debris and other bits of damage that could make your home unlivable without insurance to repair it after the fact.

AUTO INSURANCE

There is not a lot of useful public transportation in Texas so you will most likely need a vehicle if you plan on living there, which means you will also need auto insurance. There are policies available that fit all budgets based on how much you drive and hat type of car you own.

COMMERCIAL INSURANCE

If you are working in Austin or in the surrounding area, having commercial insurance is a great idea, as you will need to protect yourself and your business from lawsuits and also your customers, depending on what type of business you own. The cost of this policy will obviously depend on what business you are doing and how vulnerable it may be.