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212 Sidney Baker Street S
Kerrville, TX 78028

830-896-6600
Fax: 855-928-2121

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Garrett Insurance Agency, Inc. Blog: home insurance

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Carbon monoxide poisoning is a year-round hazard but during the winter months, it can be especially deadly. This is because our homes are sealed tight to keep the cold out and we are burning fuel for heat. The reduced ventilation and fuel burning is a deadly combination leading to many deaths each winter. READ MORE >>

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There are plenty of insurance options available! Even the most basic of homeowners insurance policies have a wide range of options to select from, so it’s vital that you know where to start. Your policy should cover no less than 80 percent of the price of rebuilding your home, excluding the value of the land it’s built on. READ MORE >>

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Many families take a vacation over the winter months. Some head to warmer climates to get a break from the cold and snow, while others head toward the snow for skiing and snowmobiling. No matter where your vacation destination is this winter, you will want to prepare your home before you leave. READ MORE >>

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When you purchased your home, you likely purchased homeowners insurance at the same time; and if you are like most homeowners, you have not thought about it since. Here are some questions to discuss with your independent insurance agent to make sure your policy fits your current needs. READ MORE >>

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Numerous myths exist regarding home insurance policies. Unfortunately, these misleading myths can deter people from acquiring the coverage they actually need. Homeowners often assume they are adequately covered, only to find out they had incorrect information. By the time they learn the truth, it may be too late. READ MORE >>

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When you purchased your home, you likely purchased homeowners insurance at the same time; and if you are like most homeowners, you have not thought about it since. Here are some questions to discuss with your independent insurance agent to make sure your policy fits your current needs. READ MORE >>

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.  Increase your deductible. A deductibles is the amount you have to pay toward a loss before your insurance company starts to pay a claim. Many policies have a $500 deductible, but if you raise it to $1000 you will save significantly, sometimes up to 25 percent. READ MORE >>

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How to Lower Your Home Insurance Rates without Raising the Deductible   When it comes to lowering home insurance rates, many people think about raising their deductible without giving much thought to other ways of achieving the same effect. READ MORE >>

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From the rooftop to the kitchen range, we’ve gathered some homeowners insurance basics and how it helps you to protect one of life’s biggest investments—your home.   Top Ways to Save on Your Premium  Get a discount for having approved protective devices on your vehicle. READ MORE >>

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What Does Risk Mean for Home Insurance?  When looking for any time of insurance policy, you may come across a reference to your “risk.” When it comes to home insurance, your risk generally refers to how much risk you present to the insurer.  How is Risk Calculated in Home Insurance? READ MORE >>

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