Dallas's #1 Insurance Blog
What's not included in a standard home owners policy?
Watch this short video to help you better understand whats not covered in a standard policy. http://myinsurancevideos.com/videos/vid-11/?user=thumannagency And always remember, call us if you need us, that's why we're here. (972) 991.9100 Www.Thumannagency.com https://www.facebook.com/ThumannAgency
Is your Texas farm protected?
Thumann Agency protects farms and ranches of all types and sizes for a broad spectrum of insureds throughout Texas. To meet this wide variety of insurance needs, we represent all sizes and types of insurance carriers for Agricultural Insurance. We provide complete farm & ranch insurance protection that you can depend on. We have tailor made programs available for small, medium and large farming operations, ag processors, farm machinery contractors and custom harvestors. Agribusiness coverage in Dallas, Texas Because we represent virtually ...
Does combining home & auto insurance save me money?
Does combining home & auto insurance save me money? The answer is yes. Call us at the Thumann Agency in Dallas today to find out about your insurance options (972) 991.9100 Or start your quote now: http://thumannagency.com/online-insurance-quotes Www.Thumannagency.com Proudly serving families & businesses in Dallas for over 20 years.
Driving with no insurance
Q: What Happens if I Choose Not to Purchase Car Insurance in Texas and Still Drive My Car? A; You can be charged with failure to maintain financial responsibility, pay a surcharge, have your license suspended and your car impounded. http://Www.Thumannagency.com Proudly serving families & businesses in Dallas for over 20 years...
How do I select the appropriate liability coverage?
We've put together this video to help you better understand how liability coverage workls. http://myinsurancevideos.com/videos/vid-12/?user=thumannagency Like to talk to an agent? Call us at the Thumann Agency on: (972) 991.9100 http://Www.Thumannagency.com Proudly serving families & businesses in Dallas for over 20 years.. Www.Thumannagency.com http://myinsurancevideos.com/videos/vid-12/?user=thumannagency
Understanding Renters Insurance
Renting a apartment, condo, or house in Dallas? Watch this helpful video to get a better understanding of Renters Insurance. Then give us at call at (972) 991-9100 We're here to help. http://myinsurancevideos.com/videos/vid-5/?user=thumannagency Proudly Serving Families & Businesses In Dallas For Over 20 Years.. Www.Thumannagency.com
Question: What do you mean by 'Loss Payee'?
Answer: Loss payee refers to Lienholders or Mortgage companies. Todays insurance question answered by Alison Roberts, ACSR — Commercial Lines Manager at the Thumann Agency. Goin us on Google+ https://plus.google.com/u/1/b/100672818184154693757/+Thumannagency Follow us Facebook at https://www.facebook.com/ThumannAgency/ Www.Thumannagency.com
How does loss ratio work?
Answer: Your "loss ratio" is the ratio of the total value of all losses divided by your premiums. So the loss ratio is the insurance company’s measure of how much of your premium they are going to be giving back in the form of claims payments. The insurance company will set a target loss ratio (ie. 40%). If your losses cause your loss ratio to exceed that target, your premium will likely be increased to bring it back in line. Conversely, if ...
Question: What does 'Deductible' mean?
Answer: In the insurance industry, a deductible must be met prior to a claim being paid if the cause of loss is a covered peril. A typical Homeowners deductible is 1% of the dwelling coverage and for Auto the standard deductible ranges from $50.00 to $1,000.00 for Comprehensive and Collison Deductible. For more information contact: Thumann Agency: (972) 991-9100 Insuring Families and Businesses in Dallas for over 20 years... www.ThumannAgency.com Join us on Facebook https://www.facebook.com/ThumannAgency/ Join us on Google+ https://plus.google.com/u/1/...
Obtaining auto insurance with a suspended license
QUESTION: Can I obtain insurance if my drivers license is suspended? Office Manager Adriana Coleman answers: "Yes, you would need to obtain an SR22 by filling with the State, through an insurance company. You will be required to maintain the SR22 for a specific length of time. Once the specified time has passed your license will be reinstated"
Why is my home insured for more then my loan amount?
QUESTION: Why is my home insured for more than my loan amount (or market value)? Thumann Agency Personal Lines Manager: Jennifer Grigis answers... First, you’re not insuring your home to pay off your loan, you're insuring your home to rebuild it back to its pre-loss condition. Second, your home is insured at replacement value, which means that is what it will cost to rebuild your home in the event of a loss. This cost includes debris removal, material and labor cost and any demolition ...
Am I truly covered with Full coverage?
QUESTION: What is full coverage? Am I truly covered for any loss? Answer: When an Agent sells you a "full cover" policy, does it include Uninsured motorist? Most of the time, "Full Coverage" includes the required Bodily Injury /Property damage coverage, Comprehensive Deductible, and Collision deductible. But, what about when the unexpected happens and an Uninsured driver or a hit and run accident happens? What about any injuries you or passengers might have? Uninsured Motorist Bodily Injury protects you from ...