<strong>Is cyber insurance a real thing?</strong>

Cyber insurance is real and not as expensive as you think. Click <a href="https://www.comminsadvisors.com/business/cyber-liability/" data-type="page" data-id="986"><strong>here</strong></a> to learn more.

Insurance Resources

Why choose Community Insurance Advisors?

A true partner in protecting your home and business—we are committed to correcting the broken practices of the insurance industry. We provide a superior agency experience—delivering customized programs with honesty and integrity.

Community Insurance Advisors: A different way to do insurance.

What Makes Us Different?

Top Insurance Myths

I am always surprised about some of the misconceptions there are about my industry, so this month, I thought I…

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The Insurance Industry is Broken

Our company is big on correcting the “broken practices” of the insurance industry. Maybe that sounds a bit arrogant—it’s not…

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COVID vs Cyber Crime

COVID vs. CYBER CRIME: Which could have the biggest impact on your business? We are well into summer and STILL…

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Customer Service in an Online World

Building Customer Loyalty vs Opportunistic Money Grab: I came back from my long morning walk the other day to that…

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Cost-Cutting on Insurance During COVID-19

The Coronavirus has changed the way most of us spend our time day to day. Many households are dealing with lost…

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Blog Articles

Videos/Media

Frequently Asked Questions

If you have any other questions, please give us a call: 972-758-9300

Is all insurance the same?

Not by a long shot. The amount and type of coverage you get is up to you. The coverage choices you make matter. If you are not having a conversation with an agent about how much and what type of coverage you are getting, then you are doing yourself a real disservice.

Why shouldn’t I purchase my insurance through an online portal?

Without talking with a licensed agent, you have no way of knowing if the coverage you are getting is the best option for you. Fast and cheap online portals are great for some things—like ordering a pizza. Your insurance coverage is far too important to risk with an online cookie cutter insurance policy.

Is cyber insurance a real thing?

Cyber insurance is real and not as expensive as you think. Click here to learn more.

Is auto insurance required in Texas?

Yes, it is. And even though it is required in Texas, 1 in 2 drivers do not have enough coverage, and 1 in 4 do not have insurance at all. So before one of these uninsured/underinsured drivers hits you, make sure your insurance still protects you, without doing major damage to your monthly premiums!

What makes Community Insurance Advisors different?

We are true advisors. We don’t believe in cookie cutter policies or selling cheap policies that don’t provide the coverage you need. And that’s not to say that good policies are expensive—they’re not. We will talk with you and recommend the proper coverage, then let you decide how you wish to proceed.

What is an Umbrella policy?

An umbrella policy can increase the amount of your liability protection for you and your dwellings, autos, and toys. When should you consider umbrella coverage? Do you have a pool, or a teenage driver in your household? Your insurance company has a duty to defend you in the event something happens that triggers a liability claim against you. Liability insurance is relatively cheap—make sure you have enough!

When should I call if I have questions about filing a claim?

One of the conditions of most insurance policies is that you, as a policyholder, notify your insurance company promptly if you have a liability or property issue. But sometimes, your issue may cost less than your deductible to resolve, or it may not be covered at all (like normal wear and tear). A good agent can help walk you through how to proceed before you actually file a claim.

Our Home Buyers Checklist

What should you look for in a good homeowner’s policy?

Get an “All-Risk” policy—NOT a “Named Perils” policy.

An all-risk policy covers everything except what is specifically excluded in the policy. Under an all-risk policy, the burden is on the insurance company to prove that the peril causing the damage is not excluded; otherwise, coverage applies.

A Named Perils policy covers only what is specifically noted in the policy. When coverage is written on a named peril basis, the burden is on the insured to prove that one of the named perils caused the loss.

Get all applicable water endorsements, including:

Coverage for slab leak

Water back-up

Seepage, sudden/accidental leaks

Flood—in some cases you may want flood coverage even if you are not in a flood zone

Make sure you have Replacement Cost coverage—NOT ACV coverage

“Actual Cash Value”—a depreciated settlement for coverage that usually gives you around 30 cents on the dollar

Comprehensive Loss Underwriting Exchange (CLUE) Report

Insurance companies use CLUE reports to learn about your claims history before they will finalize an offer to write your insurance. As an informed consumer, you should take advantage of this tool to understand whether a house or car you are planning to buy has had any claims in the last five years.

We are happy to run a CLUE report for your home and auto.

Data Breach Cost Calculator

This easy-to-use tool from NetDiligence can help you determine the potential cost of a data breach. Answer a few questions to determine the financial impact a data breach could have on your company.

No need to create an account or login—just enter your numbers and press “calculate”.

Insurance Resources

Why choose Community Insurance Advisors?

Top Insurance Myths

The Insurance Industry is Broken

COVID vs Cyber Crime

Customer Service in an Online World

Cost-Cutting on Insurance During COVID-19

Frequently Asked Questions

Our Home Buyers Checklist

Get an “All-Risk” policy—NOT a “Named Perils” policy.

Get all applicable water endorsements, including:

Make sure you have Replacement Cost coverage—NOT ACV coverage

Comprehensive Loss Underwriting Exchange (CLUE) Report

Data Breach Cost Calculator

We Are an Independent Insurance Agency

We write with a lot of different companies.

We help educate our clients to decide which company is the best fit for them.

We keep our clients competitive when their policies renew.

We help walk our clients through the process of filing a claim.

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