Protect Your Home – Get A Home Insurance

Usually when something goes wrong in your home, it is usually serious and costly; the future can be an uncertain thing so you need to plan for these events. There are always going to be problems and we all have to do our best to protect what is valuable from natural events and also from people who want to cause us and our homes damage. To help prevent complete loss of a home or personal possessions, an agreement can be made between the homeowner and an insurance company to pay for these items provided a premium is paid in a contract called homeowner insurance.House insurance can help protect against many eventualities including ; arson, flooding, vandalism and burglary to the more mundane things like the freezer breaking and spoiling all the food it holds. There is typically a limit on how much will be paid out which would cover the average home but there will almost always be a deductible to include in the calculations as well.The Internet has opened up a whole new breed of insurers many of which do not actually have offices but can supply homeowner's insurance to cover damage or loss of personal property. It is easy just to visit a number of sites and arrange an online quotation where you can then compare just what each company can provide for the premium they quote.This is an ideal opportunity to choose a policy that suits your needs and not decide on applying to the company that provides the lowest insurance quote! Mortgage lenders are also quick to stipulate that a house must have homeowners insurance as a guarantee that they will be covered in the vent of a large claim.Although monthly premiums may be an issue, it is quite common for discounts to be available for people starting a plan with a new insurer. You may also consider raising your deductible as the difference in premium cost between 500 and a 1,000 dollar deductible can be considered.Many people make the mistake of overlooking the replacement cost of possessions and need to realize that a policy must allow for the increase in prices of products when they come to be replaced. Replacement Value policies should really be standard but many people are reduced to trying to find replacements for insured holdings from garage sales or thrift shops because they overlooked this important aspect.Your home probably cost a great deal as did the possessions inside and the sentimental value should not be overlooked either. Your homeowners insurance will be worthless if you neglect to add personal items of value to the policy but it will also protect against third party claims as well!

What is the TWIA (Texas Windstorm Insurance Association)?

If you've ever had the pleasure of spending a summer on the gulf coast you're already well aware of what windstorms are-and more importantly, what they can do to your home. For residents of Texas, however, windstorms are more than a nameless, faceless threat that seems bound and determined to ruin your vacation. They're an unavoidable part of daily life, and they're something that has to be considered when it comes to their home.

That's why so many Texans look to the TWIA.

A windstorm can and often does wreak an incredible amount of havoc on homes in and around Texas. Because of its abundance to the coast on (almost) all sides most of Texas's homes are considered to be at a high risk for damage by the various hurricanes and tornadoes that come stamped through the area on a regular basis. Since they happen often, and with little regard to the damage they leave behind, most homeowners insurance providers will not touch the damages that wind and hail leave behind in these areas with a ten foot pole.

Recognizing the fact that living in a high risk area with no protection against the damages left behind was unacceptable for Texas homeowners, the state created the TWIA (Texas Windstorm Insurance Association). The TWIA issues insurance policies to Texas homeowners who absolutely, positively can not find insurance coverage in the private sector. Like most last-ditch attempts (at, well, anything!) An insurance purchase made through the TWIA is more expensive than insurance purchased through the private sector; however, it's a vast improvement over not having any insurance coverage at all when a hurricane comes sweeping in off the coast!

If you're a Texas homeowner and you have not been able to find insurance coverage to protect your home against the wind, rain and hail because of where it's located, contact an insurance agent about purchasing a policy through the TWIA. The first thing they'll do is send you an insurance application that you'll need to fill out and return, and give you directions on completing your TWIA home inspection.

Last ditch resort or not, the TWIA is not going to set its members up to have to pay insurance claims over and over again. Before they'll insure a house they want to know that it is not going to go plunging to the ground the first time the wind starts to blow! To make sure that your home is up to current building code the TWIA is going to require you to get a WPI-8 certificate for your home.

What's that mean? It means if the Big Bad Wolf comes knocking with ten miles per hour winds backing him up your home is not going to be reduced to firewood!

There's nothing like the feeling of living on the gulf, but the last thing you want to do is have to sacrifice your home for the privilege. Contact your insurance agent to find out about protecting your Texas home from windstorms through the TWIA today.

What is the TWIA (Texas Windstorm Insurance Association)?

If you've ever had the pleasure of spending a summer on the gulf coast you're already well aware of what windstorms are-and more importantly, what they can do to your home. For residents of Texas, however, windstorms are more than a nameless, faceless threat that seems bound and determined to ruin your vacation. They're an unavoidable part of daily life, and they're something that has to be considered when it comes to their home.

That's why so many Texans look to the TWIA.

A windstorm can and often does wreak an incredible amount of havoc on homes in and around Texas. Because of its abundance to the coast on (almost) all sides most of Texas's homes are considered to be at a high risk for damage by the various hurricanes and tornadoes that come stamped through the area on a regular basis. Since they happen often, and with little regard to the damage they leave behind, most homeowners insurance providers will not touch the damages that wind and hail leave behind in these areas with a ten foot pole.

Recognizing the fact that living in a high risk area with no protection against the damages left behind was unacceptable for Texas homeowners, the state created the TWIA (Texas Windstorm Insurance Association). The TWIA issues insurance policies to Texas homeowners who absolutely, positively can not find insurance coverage in the private sector. Like most last-ditch attempts (at, well, anything!) An insurance purchase made through the TWIA is more expensive than insurance purchased through the private sector; however, it's a vast improvement over not having any insurance coverage at all when a hurricane comes sweeping in off the coast!

If you're a Texas homeowner and you have not been able to find insurance coverage to protect your home against the wind, rain and hail because of where it's located, contact an insurance agent about purchasing a policy through the TWIA. The first thing they'll do is send you an insurance application that you'll need to fill out and return, and give you directions on completing your TWIA home inspection.

Last ditch resort or not, the TWIA is not going to set its members up to have to pay insurance claims over and over again. Before they'll insure a house they want to know that it is not going to go plunging to the ground the first time the wind starts to blow! To make sure that your home is up to current building code the TWIA is going to require you to get a WPI-8 certificate for your home.

What's that mean? It means if the Big Bad Wolf comes knocking with ten miles per hour winds backing him up your home is not going to be reduced to firewood!

There's nothing like the feeling of living on the gulf, but the last thing you want to do is have to sacrifice your home for the privilege. Contact your insurance agent to find out about protecting your Texas home from windstorms through the TWIA today.

What is the TWIA (Texas Windstorm Insurance Association)?

If you've ever had the pleasure of spending a summer on the gulf coast you're already well aware of what windstorms are-and more importantly, what they can do to your home. For residents of Texas, however, windstorms are more than a nameless, faceless threat that seems bound and determined to ruin your vacation. They're an unavoidable part of daily life, and they're something that has to be considered when it comes to their home.

That's why so many Texans look to the TWIA.

A windstorm can and often does wreak an incredible amount of havoc on homes in and around Texas. Because of its abundance to the coast on (almost) all sides most of Texas's homes are considered to be at a high risk for damage by the various hurricanes and tornadoes that come stamped through the area on a regular basis. Since they happen often, and with little regard to the damage they leave behind, most homeowners insurance providers will not touch the damages that wind and hail leave behind in these areas with a ten foot pole.

Recognizing the fact that living in a high risk area with no protection against the damages left behind was unacceptable for Texas homeowners, the state created the TWIA (Texas Windstorm Insurance Association). The TWIA issues insurance policies to Texas homeowners who absolutely, positively can not find insurance coverage in the private sector. Like most last-ditch attempts (at, well, anything!) An insurance purchase made through the TWIA is more expensive than insurance purchased through the private sector; however, it's a vast improvement over not having any insurance coverage at all when a hurricane comes sweeping in off the coast!

If you're a Texas homeowner and you have not been able to find insurance coverage to protect your home against the wind, rain and hail because of where it's located, contact an insurance agent about purchasing a policy through the TWIA. The first thing they'll do is send you an insurance application that you'll need to fill out and return, and give you directions on completing your TWIA home inspection.

Last ditch resort or not, the TWIA is not going to set its members up to have to pay insurance claims over and over again. Before they'll insure a house they want to know that it is not going to go plunging to the ground the first time the wind starts to blow! To make sure that your home is up to current building code the TWIA is going to require you to get a WPI-8 certificate for your home.

What's that mean? It means if the Big Bad Wolf comes knocking with ten miles per hour winds backing him up your home is not going to be reduced to firewood!

There's nothing like the feeling of living on the gulf, but the last thing you want to do is have to sacrifice your home for the privilege. Contact your insurance agent to find out about protecting your Texas home from windstorms through the TWIA today.

Woman live streams drunk driving, Woman killed in car crash after taking selfie


Lots of homes don’t qualify for “standard” or “preferred” insurance for many different reasons. Foremost offers Specialty Homeowners Insurance* specializing in homes that may not qualify elsewhere. They accept homes that other carriers won’t because of age, condition, value or other considerations, and they accept many customers who don’t qualify for standard insurance because of credit or loss problems. With over 50 years experience, you can rest assured knowing your Foremost policy gets you access to an experienced team of insurance experts.
You depend on your automobile for so many things. What would you do if it broke down and needed serious repairs that were not covered under the warranty? 21st Century Insurance can provide you with the protection to get back up and running as quickly as possible with the service provided by Interstate National Dealer Services, Inc.
Restoring an antique automobile is a labor of love and time spent that you will always remember. That is why the 21st Century Insurance Antique Auto Program* was designed to protect your treasured possession. We offer some of the best coverage available at competitive rates.
Why do experienced producers like you come to National Life Group? It’s our advanced market support. While many companies are outsourcing this work, we keep ours in house. With over 180 years of combined experience, we make the sophisticated simple. It’s also our CPA program with over 30 years of experience, and our pioneering “Living Benefits” products.

403(b)/457(b) Certified Training Program
Today, even veteran agents are finding it more and more difficult to gain access to school districts. School districts and employers want trusted agents who will increase the number of educators and employees taking part in a 403(b) or 457(b) plan. They are now empowered in most states to remove vendors and agents who are not increasing participation or who may be violating their rules. Our Certified Program helps producers overcome these obstacles and thrive in today’s new marketplace.

Our puzzle pieces tell the story that today’s life insurance is more about living than dying. We helped pioneer the concept of “Living Benefits” and the idea that life insurance is about protecting the living.

Visit our Frequently Asked Questions

YOUR SUCCESS
BENEFITS
SOLUTIONS
What’s it like when you are working with a company that is fully committed to your success?

It means you have all the tools you need at your fingertips and top-notch programs that build your business.

From our comprehensive online training platform to our advanced market support and dynamic development schools and seminars, we have what you need to take your business to the next level.

Advanced Markets Support

Are you working with small business owners or in other advanced markets? We are one of the few companies with a dedicated advanced sales team that is ready to help you close more complex cases.

CPA Advantage Program

Are you a relationship builder? With nearly 35 years of experience, our CPA Advantage Program is one of the few programs of its kind in the country.

Life & Annuity Sales Support

What’s your question? With over 230 years of combined experience, our sales support team provides proactive, personalized outreach on key sales, marketing and product strategies.

Marketing Tools

What’s the story? From seminar selling to websites, we have all the tools you need to succeed.

NLGroupU Training Portal

Learning on-the-go? NLGroupU is your online resource to explore and gain in-depth knowledge of the products we offer and the markets they serve.

Schools & Meetings

Prefer to learn in person? We offer schools directed at agents at different stages of development.

Don’t worry about Insurance


Lots of homes don’t qualify for “standard” or “preferred” insurance for many different reasons. Foremost offers Specialty Homeowners Insurance* specializing in homes that may not qualify elsewhere. They accept homes that other carriers won’t because of age, condition, value or other considerations, and they accept many customers who don’t qualify for standard insurance because of credit or loss problems. With over 50 years experience, you can rest assured knowing your Foremost policy gets you access to an experienced team of insurance experts.
You depend on your automobile for so many things. What would you do if it broke down and needed serious repairs that were not covered under the warranty? 21st Century Insurance can provide you with the protection to get back up and running as quickly as possible with the service provided by Interstate National Dealer Services, Inc.
Restoring an antique automobile is a labor of love and time spent that you will always remember. That is why the 21st Century Insurance Antique Auto Program* was designed to protect your treasured possession. We offer some of the best coverage available at competitive rates.
Why do experienced producers like you come to National Life Group? It’s our advanced market support. While many companies are outsourcing this work, we keep ours in house. With over 180 years of combined experience, we make the sophisticated simple. It’s also our CPA program with over 30 years of experience, and our pioneering “Living Benefits” products.

403(b)/457(b) Certified Training Program
Today, even veteran agents are finding it more and more difficult to gain access to school districts. School districts and employers want trusted agents who will increase the number of educators and employees taking part in a 403(b) or 457(b) plan. They are now empowered in most states to remove vendors and agents who are not increasing participation or who may be violating their rules. Our Certified Program helps producers overcome these obstacles and thrive in today’s new marketplace.

Our puzzle pieces tell the story that today’s life insurance is more about living than dying. We helped pioneer the concept of “Living Benefits” and the idea that life insurance is about protecting the living.

Visit our Frequently Asked Questions

YOUR SUCCESS
BENEFITS
SOLUTIONS
What’s it like when you are working with a company that is fully committed to your success?

It means you have all the tools you need at your fingertips and top-notch programs that build your business.

From our comprehensive online training platform to our advanced market support and dynamic development schools and seminars, we have what you need to take your business to the next level.

Advanced Markets Support

Are you working with small business owners or in other advanced markets? We are one of the few companies with a dedicated advanced sales team that is ready to help you close more complex cases.

CPA Advantage Program

Are you a relationship builder? With nearly 35 years of experience, our CPA Advantage Program is one of the few programs of its kind in the country.

Life & Annuity Sales Support

What’s your question? With over 230 years of combined experience, our sales support team provides proactive, personalized outreach on key sales, marketing and product strategies.

Marketing Tools

What’s the story? From seminar selling to websites, we have all the tools you need to succeed.

NLGroupU Training Portal

Learning on-the-go? NLGroupU is your online resource to explore and gain in-depth knowledge of the products we offer and the markets they serve.

Schools & Meetings

Prefer to learn in person? We offer schools directed at agents at different stages of development.

Insurance Introduction


Lots of homes don’t qualify for “standard” or “preferred” insurance for many different reasons. Foremost offers Specialty Homeowners Insurance* specializing in homes that may not qualify elsewhere. They accept homes that other carriers won’t because of age, condition, value or other considerations, and they accept many customers who don’t qualify for standard insurance because of credit or loss problems. With over 50 years experience, you can rest assured knowing your Foremost policy gets you access to an experienced team of insurance experts.
You depend on your automobile for so many things. What would you do if it broke down and needed serious repairs that were not covered under the warranty? 21st Century Insurance can provide you with the protection to get back up and running as quickly as possible with the service provided by Interstate National Dealer Services, Inc.
Restoring an antique automobile is a labor of love and time spent that you will always remember. That is why the 21st Century Insurance Antique Auto Program* was designed to protect your treasured possession. We offer some of the best coverage available at competitive rates.
Why do experienced producers like you come to National Life Group? It’s our advanced market support. While many companies are outsourcing this work, we keep ours in house. With over 180 years of combined experience, we make the sophisticated simple. It’s also our CPA program with over 30 years of experience, and our pioneering “Living Benefits” products.

403(b)/457(b) Certified Training Program
Today, even veteran agents are finding it more and more difficult to gain access to school districts. School districts and employers want trusted agents who will increase the number of educators and employees taking part in a 403(b) or 457(b) plan. They are now empowered in most states to remove vendors and agents who are not increasing participation or who may be violating their rules. Our Certified Program helps producers overcome these obstacles and thrive in today’s new marketplace.

Our puzzle pieces tell the story that today’s life insurance is more about living than dying. We helped pioneer the concept of “Living Benefits” and the idea that life insurance is about protecting the living.

Visit our Frequently Asked Questions

YOUR SUCCESS
BENEFITS
SOLUTIONS
What’s it like when you are working with a company that is fully committed to your success?

It means you have all the tools you need at your fingertips and top-notch programs that build your business.

From our comprehensive online training platform to our advanced market support and dynamic development schools and seminars, we have what you need to take your business to the next level.

Advanced Markets Support

Are you working with small business owners or in other advanced markets? We are one of the few companies with a dedicated advanced sales team that is ready to help you close more complex cases.

CPA Advantage Program

Are you a relationship builder? With nearly 35 years of experience, our CPA Advantage Program is one of the few programs of its kind in the country.

Life & Annuity Sales Support

What’s your question? With over 230 years of combined experience, our sales support team provides proactive, personalized outreach on key sales, marketing and product strategies.

Marketing Tools

What’s the story? From seminar selling to websites, we have all the tools you need to succeed.

NLGroupU Training Portal

Learning on-the-go? NLGroupU is your online resource to explore and gain in-depth knowledge of the products we offer and the markets they serve.

Schools & Meetings

Prefer to learn in person? We offer schools directed at agents at different stages of development.

Where to Find a Homeowners Insurance Provider With Cheap Rates

Even though homeowners insurance rates have gone up in recent years, you can still find a homeowners insurance provider with cheap rates. Here’s how …

Cheap Homeowners Insurance Providers

In order to find a homeowners insurance provider with cheap rates you have to spend a little time comparing quotes from different providers. You can visit your local agencies to get quotes, or call them on the phone, but this will take hours of your time and the odds are you won’t get the cheapest rates.

The easiest way to find a homeowners insurance provider with cheap rates is to go online where you can get homeowners insurance quotes in a matter of minutes.

Comparing Homeowners Insurance Providers

My first recommendation is to go to an insurance comparison website. At these sites you spend a few minutes filling out a simple form with your insurance information, then wait to get your quotes.

The benefits of using an insurance comparison website are:

* You only have to fill out one form to get quotes from multiple providers, instead of filling out a form for every provider.

* Most insurance comparison sites are affiliated with A-rated companies, so you know the companies they represent are reputable and will give you good service.

* The best comparison sites let you talk with an insurance expert online, or by phone, so you can get answers to your homeowners insurance questions and get advice on lowering your premium. (See link below.)

After you get your homeowners insurance quotes, go to J.D. Power & Associates website to get quotes from the companies they consider to have the best rates. Go to jdpower.com, click on the “Insurance” tab at the top of the page, then click on “Auto Insurance Provider Ratings.” Under the “Pricing” category you’ll see the J.D. Power’s price ratings.

I recommend checking out rates from the companies that have a five-bullet rating. Compare those rates with the rates you got from the comparison site then choose the cheapest one.

Before you purchase a policy, make sure you understand it. Read it over, or have an agent from the company explain it to you, to make sure you’re getting all the coverage you need.