Welcome back - Dennis Polian with you again. I wanted to share a quick story about life insurance. I'm 48 years old and actually didn't have life insurance until I became an insurance agent and understood how valuable it really is! My problem is that I had cancer before I became an insurance agent, and I didn't qualify for everything. I'm paying triple what people my age, who didn't have the kind of experience that I had. It has really put us in a situation where we're also

A lot of people really don't understand what full coverage is. Full coverage is just the coverage on your own vehicles. Then there's also liability coverage. In the state of Texas, the minimum limits are $30,000 per person and $60,000 per accident for liability insurance. So if you are in an accident and it's your fault and your car is totaled, your car is going to be covered regardless of what the other person has. However, those hospital bills could easily add up to $30

Can I bundle my home and auto insurance in Texas, and is it really worth it? In Texas, you can bundle your home and auto insurance, and at our agency, we actually recommend. First of all, a bundle from price gives you, with our company, about 10 to 15% discount on each policy. Also, with the amount of storms that we have throughout the year in Texas, typically, insurance companies won't write your home without an auto bundle, and if they do, you can pay 20 to 40% more and h

What insurance does a small business actually need? Much of a business's success depends on how well it can overcome obstacles. Our agency is here to help guide you through the perils that you likely don't anticipate. Let's take a look at some examples of these perils through Acme Inc. The company had been investing resources to fuel growth, and this made cash flow a little tight. To save money, they decided to temporarily cut back on some of their insurance, and as luck wo

We see 5 main reasons why people suffer financial devastation when mayhem strikes. We made this video to make sure this doesn't happen to you. Number 5, they don't know that flood is not covered in a home policy. Number 4, they don't realize how often the liability limits of auto and home policies are often exceeded. Number 3, they don't understand the importance of a personal umbrella policy. Number 2, they don't prepare for the worst and understand how inexpensive life

Meet the Mackeys. James and Sue both work hard to provide a happy home for their family. After years of saving, they were able to move into a nice neighborhood with good schools. Then, on one horrible day, James was involved in a fatal car accident as he was driving home from work. Incredibly, things got even worse for the poor family. Found that the life insurance benefit provided in James's medical plan wasn't enough to cover all of the funeral costs, and they had virtually

Many families and especially those who have just moved into new homes, for example, have questions about how to set up life insurance protection for their mortgage. In the event that tragedy strikes the major breadwinner of a household, a life insurance policy can actually be used to pay off the mortgage and allow the family to keep the home. Now this type of policy is relatively straightforward and it can be easily purchased from just about any life insurance carrier. No

Hey everyone, Dennis Polian here with the Polian Agency. Welcome back to Coverage Corner. You know, our thoughts and prayers are with everyone impacted by the devastating wildfires in Southern California, and with all of that going on, we've gotten a lot of questions from clients asking for tips and information on things they can do. To mitigate the fire risk in their homes, and it's very simple. Just few steps can make all the difference. Smoke detectors on every floor, and

Hi everyone! Dennis Polian here with The Polian Agency and welcome to Coverage Corner. You know a question we get a lot from our clients is, will, my homeowners policy cover me if I'm sued and the short answer is, well, maybe. It all depends on the policy that you have and the coverage you put in place at the time you bought that policy. Most homeowners plans do have personal liability protection in case there's an accident at your home. Somebody slips and falls on an icy dri

Hey there, I'm Dennis Polian with the polling agency and Farmers Insurance. Welcome to our new weekly series Coverage Corner. Every week we're gonna bring you simple practical tips to help you navigate the world of insurance from protecting your family and home to understanding what your policy actually covers and even busting some common insurance myths. We want you to be smarter about your insurance and most importantly, we want your insurance to perform the way you need it

Have you ever gotten a craving for ice cream, loaded up the family and driven to the vanilla store? Of course not, because why would you go to a shop that just has one flavor when you can go to one that has 31? Believe it or not, this is the case with insurance agencies today. Most of the agencies you see only represent one single insurance carrier, which is fine if you're looking for one flavor fits all insurance coverage, but most people need options, options in pricing and

Finding the best service providers in town can be frustrating. That's why we want to share our concierge program with you. We're your local field guide to businesses that provide top quality service looking for reliable assistance with your real estate needs. New restaurant, auto mechanic, chiropractor. Our concierge program is your one stop resource. It's free to use and we don't charge businesses to be listed either, but they can only be added if a customer or our team reco

At our agency, we believe you deserve top quality service period. That's why we're committed to giving you the best of us. We'll make sure you have the right coverage, the right discounts and can take comfort in knowing the things that matter most to you are protected. We also believe in giving back as agents of change in our communities. Our agency will rally around a new community cause together we can positively impact the lives of others around us. So for every friend, yo