The 65 Degree Solution to Preventing Frozen Pipe Insurance Claims in Winter

Claims and It's SolutionsMost people don’t think about keeping their home damage proof until they go to compare homeowners insurance rates and are given a sobering reminder of just how much out of pocket they actually spend each year. If this sounds like you, you’re probably presently consumed with seeking out cheap and easy ways of avoiding having to file an insurance claim that’ll subsequently boost your rates higher than you’re already forking over.

If you just so happen to live someplace where the risk of frozen water pipes in winter can lead to unpleasant watery surprises, we’ve got a great tip that doesn’t even involve you getting your hands dirty. All you have to do is keep your thermostat set to 65 degrees. Or warmer, if you don’t have an issue paying a higher monthly heating bill. But what does keeping your house warm have to do with preventing burst pipes? Everything, in fact.

If not insulated properly and if the weather dips low enough, the pipes that are located in your walls can freeze over during winter and can burst. You want to talk about being faced with higher premiums the next time you compare home insurance? Filing an insurance claim that includes broken house plumbing and flooding will do it every time. Keeping your inner walls at a minimum temperature of 65 degrees, however, can help prevent that from happening.

Saving money isn’t the only reason to compare homeowners insurance rates. Doing so on a regular basis will also keep you constantly aware of your coverage limits so that you can boost them or lower them depending on certain inherent environmental risks. Visit www.agentinsure.com to compare rates today.

The Consequences of Not Having Texas Car Insurance

Texas Car Insurance for RescueAll states have their own set of car insurance rules. In Texas, all car owners must meet minimum liability requirements on any vehicle they drive. The minimum requirements are $30,000/$60,000/$25,000. If you do not have proof of insurance, or do not carry insurance on your vehicle, you will face tough consequences if you are stopped by a police officer.

  • The first offense for being caught without car insurance will result in a fine of at least $175 and as much as $350, in addition to any court fees.
  • Subsequent offenses will result in fines of as little as $350 and as much as $1,000, in addition to court fees, impoundment of the vehicle at your own expense, and the suspension of your driver’s license for as long as two years.
  • Once convicted, you will face a yearly surcharge of $250 for three years to maintain your Texas driver’s license.
  • Last but not least, when you finally do purchase Texas auto insurance, it is safe to assume that your car insurance premiums will be much higher than they would have been had you simply purchased insurance in the first place.

Don’t drive on the road without Texas auto insurance. Keep in mind, the state of Texas has an insurance verification system called TexasSure, so a police officer can easily know if you have insurance.

Bring Peace to Driving with Proof of Insurance

With Proof of Insurance Avoid CrisisYou do not want to get caught while driving on Texas roads without any proof of insurance. You might end up paying heavy fine, get a ticket or a possibility to appear in court. An accident can occur and may have to bare the expenses of repair and if any injuries. Insurance quotes online has made search easy in getting you the best quote at affordable price.

Rule Out Misconceptions

Many people have misconception regarding car insurance. They think insurance policy is out of their reach and cannot spend time to go around, shop and look for the lower premium rates. These reasons are inevitable to skip on buying a car insurance. When driving without car insurance is costly and dangerous, it is better to opt one for peace of mind.
It is a smart decision to obtain a car insurance policy in order to prevent any fine or tickets which subsequently can result in cancellation of your license. Every Texas car insurance policy recommends minimum amount of coverages as per state’s requirement to cover any accident and prevent paying of more money out of your own pocket. It is better to pay premium than baring heavy expenses which can  cause financial burden.

Just because you do not have enough time to go around, do not be disappointed. As obtaining a car insurance policy has become so easy with just a click. Thanks to auto insurance companies which provide instant quotes online. You can compare quotes, know about discounts if you are eligible and choose different coverages instantly. You can fill a form online and check on how much money you will have to shed to pay for coverages, hence no fear of losing out on all your savings. Do not take risk of driving without a car insurance, with maximum and potential benefits awaiting for you. It is the right time to look for right auto insurance policy which fits your needs and budget.