April 2018 E-News: Gaps in Your Policy Coverage Can Leave You Exposed, Agency Happenings, Texas Trivia, Recipe of the Month & More!


Gaps in Your Policy Coverage Can Leave You Exposed

You should already have auto insurance and home or renter’s insurance in place to ensure you are covered in case of an accident. But, depending on the circumstances of a claim, you may have coverage gaps in your insurance, which can put you, your family, or your possessions at risk. Review your policies to see if you have any of the following gaps in your coverage:

Coverage for Your Valuables
This includes:

  • Any collections (coins, stamps, art, etc.)
  • Expensive jewelry or watches
  • Electronics

Most homeowner’s policies typically set limit for loss or theft of personal items, such as $3,000. If your collection’s value exceeds this, talk with your agent about the best way to extend your coverage by purchasing an additional rider or umbrella policy.

Umbrella Policy
Regardless of who’s at fault for an accident, you can still get hit with a personal injury or liability lawsuit. When that happens, the extra costs mount quickly. Lawyers’ fees, hospital bills, pain and suffering payments are costly and can quickly exceed your homeowner’s or auto policy limit, leaving your assets at stake. Umbrella policies are fairly inexpensive and are the best way to protect yourself against unexpected and expensive claims.

Transportation Expenses Coverage
Does your auto policy cover a rental car or other form of transportation if your vehicle ends up in the shop after an accident? If not, some carriers offer a transportation expenses rider.

Transportation expenses coverage can apply to two types of claim: a comprehensive claim (resulting from something other than collision, such as fire, theft, or vandalism) and a collision claim (resulting from physical damage to your vehicle caused by rolling over or hitting another vehicle or object).

After a comprehensive occurrence, a transportation expenses policy kicks in to provide a set coverage for a rental car.

Flood Insurance
The federal government offers coverage through the National Flood Insurance Program. It’s definitely worth considering, as people who live outside of high-risk flood areas file more than 20% of claims with the program. Homeowners and renters insurance do not typically cover flood damage.

Floods are the nation’s most common and costly natural disaster and cause millions of dollars in damage every year. Floods cost America, on average, $8.2 billion each year (according to 2015 data). Recovering from just one inch of water inside your building can cost about $27,000.

Typically, there’s a 30-day waiting period from date of purchase until your policy goes into effect. There are a few exceptions to this but it’s best to purchase your policy well before you may need it.

Keep Your Homeowner’s Insurance Current
If you’ve made upgrades to your home, tell your agent about it before your next policy renewal. If you don’t, you run the risk of coming up short if you have to rebuild after a total loss.

Reporting to your agent all renovations made to your home can determine the effect on your home’s replacement cost. Typically, guaranteed replacement cost rules require you report home improvements worth more than $5,000 within 90 days of completion.

Add New Drivers and/or Vehicles to Your Auto Policy
Do you have a newly licensed driver in your household? Will your child receive a new car as a graduation gift? Don’t forget to call us and update your auto policy accordingly.

If you’re concerned about any of these issues, call us today.

We Are Here for You!

Texas Insurance & Financial Services, Inc. is your trusted advocate. As an independent insurance agency, TXINS represents a wide network of A-rated insurance companies, which allows us to find the best insurance policy to fit your needs and budget. We don’t believe in cookie cutter policies and will customize a plan specifically for you. Your overall satisfaction is our top priority.

TXINS offers complimentary insurance reviews to ensure you are getting the right coverage for yourself, your family, or your business. To schedule your review, contact us today at 800-541-9849 or via email. Together, we will ensure you are protecting what matters most.


  • The Lady Lions and the Lions Club are hosting a Hamburger Fundraiser on Thursday, April 5 from 4:00 – 6:00 p.m. to support the Boys & Girls Club of El Campo. Tickets are $8.00.
  • Lindsey Malek will be participating in the Lady Lions White Cane Day fundraiser in front of Palais Royal in El Campo on Saturday, April 7. The event will collect funds for education, sight restoration, and conservation projects.
  • David Green and Doug Roberts will be attending the Honey Convention at Walters State Community College in Tazewell, TN, on April 20-21. The convention is presented by All About Honey, LLC and will feature more than 20 speakers. For more information and a complete listing of the classes offered, please visit their website.
  • Happy April birthday to Jo Ann Hernandez, Gordon Sorrel, and Brad Davidson! We hope you enjoy your special day!
  • Happy April work anniversary to the following TXINS staffers: Hector Gutierrez-13 years and Marissa Sosa-1 year. We are so proud to have you as members of the TXINS team!
  • Don’t miss your chance to win a $5 Whataburger gift card in our Texas Trivia contest….check out our new question below!

Throwing a Party? Cover Your Risk with an Umbrella Policy.

Many homeowners enjoy throwing parties for holidays or special events. If you’re planning a party in the near future, be sure your homeowners’ coverage is adequate. If it’s not, consider a personal umbrella policy.

Guests who are injured may need to file an injury claim if their vehicle is damaged, if they fall down, or if a pet bites them.

Research shows that about 75% of homeowners who plan social gatherings in their homes do not have a personal umbrella policy. This makes them more vulnerable to lawsuits stemming from guests who suffer injuries. A personal umbrella policy is necessary to protect against lawsuits.

The booze risk

Alcohol is one liability issue that is often overlooked, but is very risky.

In 30 states, homeowners may be responsible for damages arising from any auto accidents caused by their intoxicated guests who choose to drive home.

Check your protection

If you’re not sure whether you have sufficient coverage, or if you don’t understand your liability and options, contact us to discuss your coverage before throwing a party.


Recipe of the Month:
Crockpot Buffalo Chicken Pasta

Author: Family Fresh Meals
Prep Time: 10 min   |  Cook Time: 4 hours
Serves: 5-6


  • 1 pound boneless skinless chicken breast, chopped into 2 inch pieces sized pieces
  • ¼ cup hot sauce
  • 2½ cups chicken broth
  • 2 tbsp dry ranch dressing mix
  • 2 tbsp corn starch + 2 tbsp water, whisked together
  • 1 cup heavy cream
  • 10 oz uncooked fettuccine pasta noodles
  • 2 cups shredded mozzarella cheese


  1. Place chicken in the crockpot.
  2. Whisk together broth, hot sauce, ranch mix, and corn starch mixture together. Poor over chicken and and stir to combine. Cover and cook on high for 3-4 hours or low for 6-7.
  3. Once cooking time is up, turn heat to high and add in uncooked noodles and cream. Make sure noodles are covered in liquid. Cover and let cook on high for 15-20 minutes, stirring a couple times, until noodles are cooked and tender.
  4. Once noodles are cooked, uncover and stir in 2 cups of shredded cheese. Cover until cheese melts (2-5 minutes).

Texas Trivia

Take a drive down any of Texas’ highways or back roads these days and you’ll be amazed by the beauty of the wildflowers in full bloom. Whether it’s the Indian Paintbrush, Winecup, Brown-Eyed Susan, Indian Blanket, or our beloved bluebonnet, there aren’t many things more beautiful in the Spring than a blanket of Texas wildflowers.

Bluebonnets have been loved since man first inhabited Texas. Native Americans wove folk tales around their creation. Early-day Spanish priests gathered the seeds and grew them around their missions. This practice gave rise to the myth that the padres had brought the plant from Spain, but this cannot be true since the two predominant species of bluebonnets are found growing naturally only in Texas and at no other location in the world. In 1901, the Texas Legislature named the bluebonnet the official state flower, tossing aside other suggestions like the cotton boll and the prickly pear cactus. How many different species of the bluebonnet bloom in Texas? Email us your answer. If you are one of the first three people to answer correctly, you’ll win a $5 Whataburger gift card! 

Show Your Spirit, Texas!

Congratulations to TJ Wood of Georgetown, TX for being our March Referral Program winner. Thank you for your referrals, TJ!



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From our customers…

“My TXINS agent is so patient, very thorough, and kind.”
Sandy Hawkins, Wharton, TX

Texas Insurance & Financial Services, Inc. is proud to be an independent Trusted Choice Agent. We provide our clients with a choice of companies, offer complete customization of policies, and advocate on our clients’ behalf to ensure each receives quality service and quality product. We are committed to providing competitive pricing and unparalleled customer service. You have our word on it.


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