3-Second Rule for Safe Following Distance

3-Second Rule for Safe Following DistanceRear-end collisions are the most common accidents between vehicles.1 They occur when drivers do not have enough time to perceive and react safely to slowing or stopped traffic. Increasing your following distance can help give you time to react when someone brakes in front of you.

The Three-Second Rule

Increasing the distance between you and the car ahead can help give you the time you need to recognize a hazard and respond safely. The National Safety Council recommends a minimum three-second following distance.

Determining the three-second gap is relatively easy. When following a vehicle, pick an overhead road sign, a tree or other roadside marker. Note when the vehicle ahead passes that marker, then see how many seconds it takes (count 1-1,000; 2-1,000; 3-1,000) for you to pass the same spot. If it is not at least three seconds, leave more space and increase your following distance.

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The Green Home Trend: Create an Eco-Friendly Home Life

The Green Home Trend: Create an Eco-Friendly Home LifeYour home can be a haven if you want it to be, but when its inefficient use of energy sucks up power - driving up your utility bills and expanding pollution of the environment - it’s hard to feel great about that. The average person spends most of her time in the home, so it’s worth the labor of making it energy efficient as well as the ultimate escape after a long day.

Here are some of the best eco-friendly home design trends.

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28415 Premium Dr.
Hockley, TX 77447

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Top 10 Healthiest New Year's Resolutions

Top 10 Healthiest New Year's ResolutionsNew Year, healthier you!

New Year’s resolutions are a bit like babies: They’re fun to make but extremely difficult to maintain.

Each January, roughly one in three Americans resolve to better themselves in some way. A much smaller percentage of people actually make good on those resolutions. While about 75% of people stick to their goals for at least a week, less than half (46%) are still on target six months later, a 2002 study found.

It's hard to keep up the enthusiasm months after you've swept up the confetti, but it's not impossible. This year, pick one of the following worthy resolutions, and stick with it. Here’s to your health!

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Home Security, Simplified

Home Security, SimplifiedThese days a secure home may seem to be just a click away, thanks to the growth of smart-home technology. While these digital innovations make it possible to set up remote security and monitoring systems - and manage it all with an app on your phone - that doesn’t mean you should skimp on common sense - or the right insurance coverage.

Although the number of burglaries has dropped throughout the country in the past few years, according to Federal Bureau of Investigation data, the average loss from residential break-ins is more than $2,200 per household.* (And renters are just as likely to be victims as homeowners are!) For peace of mind, you want the right combination of protective measures.

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2543 Marufo Vega Drive
Spring, TX 77386-3935

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5 Tips to Prevent Theft During the Holidays

5 Tips to Prevent Theft During the HolidaysThe holiday season is a time for celebrating with friends and family. It’s also prime time for break-ins and theft. Start the holidays off right—and relieve some of your stress—by making sure your home and your car are protected with the right insurance coverages.

Good food, good cheer and - of course - gifts are focal points of the holiday season. The hustle and bustle, however, can blind us to heightened risk that surrounds us this time of year. Thefts and break-ins often increase during the holidays, since thieves know that many homes are empty and cars are stocked with high-priced gifts.

Use these five simple tips to protect yourself and your property this holiday season:

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Make Your House Fireproof With These 7 Fire Safety Tips

Make Your House Fireproof With These 7 Fire Safety TipsWhether you know or not, fire breakouts, especially at residential areas, are one of the most common causes of death. It is true if your house is located far from town. Fire breakouts and death from fire aren’t actually a natural calamity and we are actually the ones who invite such breakouts. It is estimated that 38% of all fire breakouts are in a residential area and happen due to sheer negligence. So don’t you think it is high time that you make your house fireproof?

Practically, you cannot make your house fireproof except by installing everything that comes with a fireproof label, but if you really want to make your house fireproof, you need to understand some basics of how fire breaks out and what to do to prevent them and even if a fire breaks out at your house, what to do so minimize or reduce the damage.

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1114 Pecan Green Way
Houston , TX , 77073-5666

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10 Disaster Apps That Could Save Your Life [Infographic]

10 Disaster Apps That Could Save Your Life [Infographic]I truly hope you never face a disaster. But the thing about disasters is that few people expect them to strike.

Best to be prepared for disasters ahead of time so you can deal with them if and when they happen. These apps can help alert you to disasters around the world and alert others when you are in danger and need help.

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Builders risk insurance: 8 things you need to know

Builders risk insurance: 8 things you need to knowCoverage for insureds with construction exposures beyond the limited parameters of a standard commercial property form is accomplished through the use of the simplified language builders risk form and endorsements.

The policy may be used to cover the interest of the building owner, the contractor, or both, as their interests may appear.

Here are eight important facts about builders risk insurance that contractors, building owners, agents and brokers should know.

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5323 Brookway Willow Dr.
Spring, TX 77379

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Business Insurance for General Contractors in Texas

Business Insurance for General Contractors in TexasI plan on starting my own business as a general contractor in Dallas,Texas. What type of insurance do I need to ensure that my new business is properly protected? General contractor guy on a roof doing work

As a general contractor, you’ll face many different types of risks on a daily basis. Whether it’s being sued by a customer for an accidental injury, or an employee in an auto accident; not having the correct coverage in place can leave you exposed to losing hundreds of thousands of dollars. Fortunately, by investing in general contractor insurance, you can cover this risk. Let's look at some insurance coverage to consider.

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Space Heater Safety Tips

Space Heater Safety TipsIn order to save money in the colder months, many people opt to use a space heater to heat one room rather than heat the entire structure. Regardless of your plan, it is important to be cautious. The National Fire Protection Association (NFPA) estimates that nearly 18,000 residential fires every year are associated with the use of room (space) heaters.*

Space Heater Selection

Before purchasing a space heater, it is important to consider how it will be used. Will it be used for supplemental heat in colder rooms or other areas, or will it be used for emergency heat? As a general rule of thumb, electric space heaters are typically safer than portable fuel-burning models (e.g. natural gas, propane, kerosene.)

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Featured Listing 2016 11 01

1901 S Voss Rd 55
Houston, TX 77057-2619

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25 Expert Insurance Tips When Starting a Business

25 Expert Insurance Tips When Starting a BusinessFinding the proper insurance options for your new business can be a long and complicated process. From professional liability to health coverage and even vehicle coverage, there are so many different things to consider in order to ensure that your business is fully covered should anything happen.

For a bit of insight into the complicated world of business insurance, Ryan Hanley, head of marketing for Trusted Choice, shared some tips for small businesses in the list below.

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After Hurricane Matthew: Here are 6 tips on how to get ready for the next one

After Hurricane Matthew Here are 6 tips on how to get ready for the next oneOver the past decade, thousands of United States property owners have experienced the devastating consequences of such natural catastrophes as flood, fire, earthquake, wild fires and windstorm.

Combined, these catastrophic events have increased in severity and frequency, causing billions of dollars in losses and hundreds of fatalities and injuries in recent years.

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27563 S Lazy Meadow Way2016 10 17 listing
Spring, TX 77386

$239,900

Excellent Location, Lake Front lot, Water View. Imagine yourself in the evening contemplating the tranquil waters of your very own lake view in the back yard of your home. Custom home builders are already building in the area as well as well known new home builders.

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What Worries Consumers and Businesses the Most?

What Worries Consumers and Business the MostBusiness leaders and consumers share many common concerns, according to data compiled from the 2016 Travelers Risk Index. The annual survey found that cyber risk is still considered one of the greatest risks facing both Americans and American businesses. And while businesses worry more about the implications of getting hacked, consumers are primarily concerned about personal privacy loss, identity fraud and cyber threats.

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7 Reasons To Buy Insurance From An Independent Agent

7 Reasons To Buy Insurance From An Independent AgentInsurance is difficult enough as it is. It’s hard to understand, impossible to purchase without going through a hard sell and simply put it’s one industry that can actually discriminate against you based on things such as salary and your zip code. As Chris Rock once said about insurance you are buying stuff “In Case Sh*t happens”. We all know that we aren’t buying a new sports drink or that new health item from the store. Insurance is a promise that you will be protected if something bad happens and let’s face it, if your insurance doesn’t do what you are told it’s going to do, it can break the bank. This is what leads to the question; “How do you really know that you are making the best decision for you about coverage”? Do you know if you are really getting the biggest bang for your buck? There are so many options out there and they can be very overwhelming. SO be smart and buy insurance from an independent Agent.

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611 Richview Dr
Houston, TX 77060-6258

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Information on Commercial Insurance

Information on Commercial InsuranceCommercial insurance protects a business owner against losses resulting from unforeseen circumstances. There are three general classes: property insurance, which would protect against such things as a business owner's building being damaged in a fire; liability insurance, which would protect the business owner in the event of negligence or malpractice; and workers' compensation, which would provide compensation to employees in the event that they are injured on the job. What follows are examples of some of the more common types of business insurance.

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What's covered in a Standard Homeowners policy?

What's covered in a Standard Homeowners policy?If you have a standard homeowners insurance policy in Texas, it will typically include these four essential types of coverage

  • Coverage for the structure of your home
  • Coverage for your personal belongings
  • Liability protection
  • Additional living expenses if you are temporarily unable to live in your home because of an insured disaster

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3020 De Soto St
Houston, TX 77091-3836

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7 Ways to Mitigate Home Fire Risk

7 Ways to Mitigate Home Fire RiskThey don't build homes and furniture like they used to. Now, they burnfaster. New technologies and product advancements are making us moreefficient and more productive. But there is a cost, and that cost is risk.According to the National Fire Protection Association (NFPA), while thenumber of home fires that occur each year has fallen by nearly 50 percentsince 1977, the total amount of resulting property damage (in dollars) isincreasing.

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My Homeowners' Policy Covers That?

My Homeowners' Policy Covers That?Most homeowners purchase a standard homeowners' insurance policy and rarelytake the time to read it after they receive it from their agent. They mayskim it to determine what kind of coverage exists if their contents are lostor stolen, or if their hot water heater leaks, but most don't give it athorough review.

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7503 Stonesfield Pl
Spring, TX 77389-2115

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With growth in 2015, Progressive® Insurance becomes #1 U.S. Commercial Auto Insurer

ProgressiveProgressive topped the 2015 list of U.S. commercial auto insurers, according to data from SNL Financial, making it the #1 commercial auto Insurer in the United States.

Each year, SNL Financial releases the Commercial Auto Competitor Report, ranking the country's top 50 commercial auto insurers by U.S. written premium. In just five years, Progressive went from the #4 writer of commercial to achieving the #1 spot because of continued growth in all of their business market segments, especially their "for-hire" segments, which include long-haul and specialty trucking risks.

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What Is Covered by Standard Homeowners Insurance?

Save Money and Trouble by Knowing the Ins and Outs of Your Homeowners Policy

Most standard homeowners insurance policies include four essential types of coverage:

  1. Coverage for the structure of your home
  2. Coverage for your personal belongings
  3. Liability protection
  4. Additional living expenses if you are temporarily unable to live in your home because of an insured disaster

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