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Preparing Your North Texas Home for Spring and Summer. As spring emerges across North Texas, now is the time to prepare your home for the spring and summer months ahead. With temperatures climbing and summer’s intense heat approaching, a well-maintained home provides comfort and protection for the months ahead. Weather Ready North Texas springs bring…

Breaking Barriers, Building Trust: A Journey of Gratitude in Insurance The Path to Leadership As we celebrate International Women’s Day, I reflect with gratitude. For nearly 16 years, I have been a woman entrepreneur in the insurance industry. In a field traditionally dominated by men, each year has brought challenges, lessons, and opportunities to make…

Protect those you Love Today, I want to talk with you about life insurance. Most of you might not know that we offer life insurance here at Hanby. We usually only write term insurance policies. What is Term Insurance? Term life insurance is a straightforward and affordable way to protect your loved ones financially. Term…

The Importance of an Annual Policy Review Today, I want to discuss the importance of an annual policy review. Every year, we send our clients an annual policy review via email. This is when we ask some questions about your insurance needs that we might not have been able to ask throughout the year. What…

Personal Injury What is Personal Injury Coverage? Personal Injury is a legal term that refers to inflicting harm on a person, including physical, mental, or emotional, caused intentionally or by the negligence of another person or entity. Most homeowners insurance policies already provide coverage for bodily injury under the policy’s liability portion. However, the liability…

How Independent Insurance Agents Are Paid At Hanby Insurance, we love hearing your questions! One question we are often asked is how we are compensated. Some people assume that working with an independent agency like ours might cost more due to fees. That’s simply not true. Paid by Commission Just like agents who work exclusively…

Protecting Your Business in a Digital Age: The Importance of Cyber Insurance We’re living in a new age where cyber security is becoming more of a threat than ever. There is insurance that you can purchase that would help protect your business or organization from a cyber-attack. Most of the time, it’s called cyber insurance…

What is a Dec Page? Here at Hanby, we understand most people don’t deal in the insurance space every day like we do. In the current insurance marketplace, with rates skyrocketing, there is a lot of confusion about “apples-to-apples” insurance quotes.  When shopping for insurance, most people use the declarations page, often called a Dec…

Flood Insurance Myths Earlier this summer, we had a lot of rain in North Texas. We even broke some records because of the rainfall we had! With all of the rain, there comes issues that are out of the norm for our area. Flooding is a big concern and it is not covered under your…

Roommates and Insurance Policies Our blog is all about answering questions. So, when we get questions more than once, we like to write a blog about them. Generally, the public is concerned about these things. One thing we don’t get many questions about but often comes up in conversation is regarding roommates and homeowners or…

When to Add Someone to Your Auto Insurance “When should I add someone to my auto insurance?” This question comes up often, and here’s the answer: Anyone who lives within your household should listed as a driver on your auto insurance – even if they have their own auto insurance. You either need to have…

Wind and Hail Deductible Increases Today I want to talk about increasing homeowner’s insurance deductibles, specifically wind and hail deductibles. North Texas, is notorious for wind and hailstorms. In fact, most homeowners insurance claims in Texas are related to wind and hail. The average age of a roof in the North Texas area is 8…

Welcoming Jeremy Neill I’m excited to introduce our new Vice President of Commercial Lines! Most of our commercial clients are used to dealing with Candace and Tammie, who do a phenomenal job . However, because of their success, our commercial department is growing! A couple months ago, my husband, Jeremy Neill, joined the agency as…

Importance of Rental Car Insurance I want to tell you about the importance of taking out the insurance on your rental car, from the rental car company. Most people don’t think anything will happen when they rent a car, so they don’t want to pay for the additional insurance. But last month, when my husband…

Dogs and Homeowners Insurance Did you know that if you have a certain breed of dog, it might be harder for you to get insurance on your house? Many insurance carriers exclude dogs that are considered to be aggressive breeds, such as American Staffordshire Terrier, Pit Bulls, Rottweiler, Chow, Doberman Pinschers and Wolf Hybrids. When…

How Your Credit Impacts Insurance Most people know that insurance carriers use credit as an underwriting factor, but they’re not really sure why we use credit or what credit has to do with insurance. Why Do They Need My Credit Score? Insurance actuaries began looking at credit based insurance scores as a rating factor for…

The Holiday’s and Home Insurance Claims During the holiday season, we see an uptick in home claims. This is typically attributed to a couple things – one of them being Christmas decorations. Real Christmas Trees If you have a real Christmas tree in your house, you want to make sure you keep it watered and…

Oh No! A Grinch Stole My Christmas Packages! At Hanby Insurance, we’re so excited about the upcoming holiday season! However, we want to make you aware of a few things that increase regarding insurance claims around the holidays. Car Break-ins Around the Holidays One big insurance claim we hear about a lot is car break-ins.…