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Quantum Alliance Blog Page 4

View the latest blog posts from Quantum Alliance.

When you are young, you are probably on a budget. Yet, if you are a driver, you must factor your auto insurance premiums into your costs. Your premium will be a regular cost. However, you'll also face residual costs within your policy, such as deductibles. READ MORE >>

Texas has miles of open roads, alongside some of the highest speed limits in America. The Lone Star State is also known for its urban traffic congestion. So, wherever you go, driving risks might increase. If you are riding your motorcycle, you'll want to take even more precautions. READ MORE >>

If you own a farm or ranch, chances are you have quite a few outbuildings on your property. Those buildings hold value themselves, and they hold valuable property. Should they face security threats, you could stand to lose money. What can you do, as a property owner, to protect outbuildings from barns to storage sheds? READ MORE >>

Your parents are getting older. You worry they may not be as skilled behind the wheel like they used to be. In situations like this, many people want to know what to do. And, how do you know when your senior loved one is no longer safe behind the wheel? Your auto insurance provider needs to know this information as well. READ MORE >>

Every year, plan a meeting with your business insurance agent. Discuss the types of risks your company faces, their changes, and any claims. Then, upgrade your liability insurance. Though not always necessary, an annual review is critical to know what your risks are. READ MORE >>

Car insurance can get expensive, particularly in a large risk pool like Texas. Every cost-conscious driver, therefore, wants to keep their overall premium price manageable. One of the most common ways to do so is to see if you can get any discounts on your policy. Discounts are often easy ways to knock a chunk of cost off your premium. READ MORE >>

Many homeowners are adding smart thermostats to their property. This can be a good addition. It may reduce your home’s heating and cooling costs. Yet, thermostats like this do not always reduce home insurance costs. The details are in the way the thermostat functions. READ MORE >>

If you file a flood insurance claim, your agent will likely talk to you about a deductible. This is your financial responsibility for flood damage that most policies include. Thus, you should be ready to pay it when it arises. Still, don’t let your deductible scare you. READ MORE >>

Owning a vehicle is a big responsibility. Even if you never take it out onto the road, it tends to be a good decision to maintain proper auto insurance on it. This can help protect your investment. However, the laws on this differ from one state to the next. A vehicle not on the road may not legally have to have coverage. READ MORE >>

Why does your home insurance agent need to know if you have an ill loved one? Most often, they do not need this information. However, they do need to know if the home is vacant. A vacant home is a high risk to insurers. If the home’s owner cannot live there for some time, you may see your insurance drop off. READ MORE >>

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