Prepare Your Home for the Bloom of Spring

Posted on by Damien Spillers

Spring is on the horizon, and with it comes the perfect opportunity to refresh and rejuvenate your living space. After the long, cold months of winter, your home may need some attention to fully embrace the new season. Here are some straightforward yet effective steps you can take to get your home ready for the bright and blossoming days of spring.

Start with a Thorough Spring Cleaning

Begin by giving your home a comprehensive cleaning. Dust and dirt tend to accumulate during winter, so dust your surfaces, clean your windows, and don’t forget those often-overlooked areas like baseboards and ceiling fans. A deep clean will not only make your space look brighter but also improve the air quality inside your home.

Inspect and Maintain Your HVAC System

As temperatures rise, ensure your HVAC system is functioning efficiently. Replace the filters, check for any issues, and consider scheduling a professional maintenance visit. A well-maintained HVAC system is not just about comfort; it can also lead to energy savings over time.

Embrace Natural Light

Longer daylight hours mean it’s time to pull back heavy winter drapes and let natural light brighten your rooms. Consider switching to lighter, sheer curtains that allow sunlight to filter through and illuminate your home. This simple change can boost your mood and give your space an airy feel.

Refresh Your Decor

Infuse your home with the colors of spring by updating your decor. Swap out throw pillows, blankets, and other accents in favor of lighter colors and floral patterns that reflect the season. Bringing in fresh flowers or houseplants can also add a touch of nature indoors, bringing life and color into your living space.

Check for Winter Damage

Winter weather can be harsh on your home’s exterior. Inspect your roof for loose shingles, clean out the gutters, and look for any signs of damage around windows and doors. Taking care of necessary repairs now will prevent bigger problems down the road.

With just a bit of effort, you can prepare your home to welcome the beauty of spring. By incorporating these strategies, not only will you create a healthier and more pleasant living environment, but you’ll also set the stage for an enjoyable and vibrant season ahead.

How Fort Worth Boaters Protect Their Floating Investments from Natural Disasters and Storms

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Is your boat adequately protected from severe weather damage, storms, and natural disasters?

Experienced Fort Worth boat owners understand how quickly local weather can change from sunny skies to threatening thunderstorms. These unpredictable weather patterns can disrupt your weekend outings on Eagle Mountain Lake or Lake Worth.

Learn how local boaters safeguard their investments from the devastating effects of natural disasters with insights from the boat and watercraft insurance experts at SWH Insurance Agency LLC in Fort Worth.

Protect Your Vessel from Natural Disasters in Fort Worth

The first step towards protecting your sailboat, kayak, canoe, cabin cruiser, or personal watercraft from severe storms and natural disasters is understanding the potential risks local boaters face. Hailstorms, tornadoes, flash floods, high winds, and extreme temperatures can all impact your boating experience.

Comprehensive boat or watercraft insurance can serve as a safety net, saving boat owners significant out-of-pocket expenses when vessels and related accessories sustain damage from high winds, hail, and extreme temperatures, leading to damage or total loss of your vessel.

A well-structured boat or watercraft policy can protect you, your passengers, and your vessels from a wide variety of perils and storm-related damage.

Consult with a trusted insurance agent to ensure your existing boat insurance policy adequately covers storm-related damages, including theft, vandalism, emergency evacuations, and liability insurance.

Don’t wait until it’s too late to protect your boat or watercraft from storm-related damage, theft, or drifting during severe weather. Learn more about optional add-on coverages, including hull damage and damage to vessels docked in marinas.

Contact a knowledgeable professional at SWH Insurance Agency LLC and review your policy today!

Navigating 2025’s Commercial Insurance Landscape

Posted on by Damien Spillers

As 2025 is well underway, staying informed about commercial insurance trends is vital for business owners aiming to protect their assets and plan effectively. Market stability coexists with challenges like rising claims costs and economic pressures, making strategic decisions more important than ever. However, with the right knowledge, you can make confident insurance choices this year. In this post, we’ll provide an overview of what you can expect across four major commercial lines of coverage in 2025.

Commercial Property Insurance: The impact of Hurricanes Helene and Milton on reinsurance pricing remains a pressing concern. While premiums are expected to remain stable, the sharp price hikes seen in 2023 are unlikely to recur. Accurate property valuations are critical, yet only 43% of business owners have taken this important step. To mitigate risks associated with underinsurance, businesses should regularly assess their assets’ valuations, potentially by working with professional appraisers or using valuation software tools.

General Liability Insurance: Modest rate increases are expected as insurers adopt cautious underwriting practices due to rising claims costs. Reviewing liability limits is essential to ensure adequate protection against emerging risks. Businesses can evaluate their coverage needs by working with brokers to identify potential coverage gaps and by regularly updating liability limits to suit their specific industry risks.

Commercial Auto Insurance: Ongoing profitability challenges for insurers in the commercial auto sector are driving many businesses toward the excess & surplus (E&S) market. To navigate policy renewals, explore cost-effective options that maintain fleet coverage without sacrificing quality. Businesses can benefit from bundling policies, increasing deductibles, and utilizing telematics to track vehicle usage and safety.

Workers’ Compensation Insurance: Over the past two decades, businesses have benefited from stable or decreasing rates in workers’ compensation insurance. Reviewing policies if there have been workforce changes, such as hiring, layoffs, or shifting roles, ensures that your business takes full advantage of potential cost savings. Additionally, implementing effective return-to-work programs can further reduce costs.

The commercial insurance outlook for 2025 presents both opportunities and challenges. Prioritize policy reviews and proactive planning to stay ahead of the trends, ensuring your business remains resilient in an ever-evolving landscape.

If You Have Home Insurance, Do You Need Flood Insurance?

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If you own a home, you likely know that having home insurance is essential. What you may not know, however, is that it’s also essential to have flood insurance. When you have one but not the other, you could be in a lot of trouble if there is a damaging incident. If you have home insurance but have skipped the flood insurance policy, it’s time to get one. Call us at SWH Insurance Agency LLC in Fort Worth.

Understanding Home Insurance and Flood Coverage

When you get your home insurance policy, it protects your home against various damaging incidents. From many disasters to accidents, calamities, and other incidents, you can be well-covered with one of these policies. The problem is that these policies don’t protect you against flooding. When there is a flood, home insurance won’t pay anything toward the massive damage that the water can cause. A serious flood can even lead to the need to rebuild all or part of a home. This is why it’s so vital to have flood insurance in addition to your home policy. Never go without it.

The Role of Flooding and Flood Insurance

Flood insurance is backed by the National Flood Insurance Program, guaranteeing available funding after a flood. This program is government-backed and will be there in the event of a flood. Even if you don’t live in a flood zone, these policies are needed. If your home is in a flood zone, these policies are generally required for you to have. But even if it isn’t, there are countless floods that happen outside these zones. Virtually any area can flood.

Secure Your Flood Insurance with SWH Insurance Agency LLC

If you haven’t gotten your flood policy yet, don’t wait. To get started with a policy to protect yourself, call us at SWH Insurance Agency LLC in Fort Worth.

What are the Benefits of Comprehensive Auto Insurance Coverage?

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Comprehensive car insurance is more expensive than basic auto insurance coverage. Additionally, you aren’t legally required to buy this form of insurance. However, there are some good reasons why Fort Worth drivers should consider comprehensive coverage.

What’s Covered Under a Comprehensive Car Insurance Policy?

Comprehensive car insurance covers damage to a vehicle that isn’t related to a vehicle collision. This includes:

  • Damage or loss caused by inclement weather, including hurricanes, earthquakes, and floods. This is important because nearly 40% of Fort Worth’s properties are at risk of flooding.
  • Theft of a vehicle or vehicle parts. In 2023, over 115,000 vehicles were stolen in the Lone Star State. In fact, Texas had more vehicle thefts than any other state in the nation except California.
  • Damage caused by a collision with an animal
  • Broken windshields and damage from falling objects, such as rocks and debris

What Isn’t Covered by a Comprehensive Car Insurance Policy?

Comprehensive car insurance doesn’t cover damage to or loss of personal belongings in your vehicle. Additionally, it doesn’t cover damage caused by hitting a pothole. It’s also important to note that the amount of compensation you’ll receive after an accident depends on the policy’s terms, conditions, and deductible.

Find out More from SWH Insurance Agency LLC

If you own an expensive vehicle or live in an area of Fort Worth with a high crime rate, you’ll want to ensure your vehicle is always fully protected. At SWH Insurance Agency LLC, we help drivers assess their coverage options and find a policy that meets all their needs. We sell both standalone policies and policy bundles to keep your insurance costs to a minimum. Call us to find out more or to get policy quotes.

What Happens If You’re in an Accident While Living in Your Motorhome?

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Living in a motorhome offers a unique sense of freedom and adventure, allowing you to explore new destinations while enjoying the comforts of home. But what happens when you’re involved in an accident while living in your motorhome? Serving the Fort Worth area, SWH Insurance Agency LLC offers the coverage you need to stay protected during your travels.

Understanding Motorhome Insurance

Living in a motorhome comes with both risks and rewards. As your place of residence, you risk becoming homeless if your motorhome is involved in an accident that causes significant damage. Motorhome insurance is designed to safeguard your investment and provide peace of mind. As each person’s coverage needs are unique, your insurance agent will build a policy that aligns with your needs and legal requirements.

Steps to Take Immediately After an Accident

If you’ve been involved in a motorhome accident, it’s important to act fast. Once you’ve checked yourself and your passengers for injuries, you’ll want to contact authorities and file a police report. Take time to document the scene, which should involve taking plenty of detailed photos and collecting witness statements if applicable. Finally, you’ll want to contact your insurance provider.

Navigating Motorhome Insurance Claims

Motorhome insurance claims generally fall into two categories: claims for vehicle damage and claims for personal injury. If your motorhome sustained physical damage during the accident, you would typically file a collision claim. You would usually file a personal injury claim if you or your passengers suffered injuries.

Speak to an Insurance Professional in Fort Worth Today

At SWH Insurance Agency LLC in Fort Worth, we proudly offer comprehensive coverage to meet your unique insurance needs. Contact our office today at 817-564-4223 to speak with an agent.

Fall Tips for Recreational Vehicle Maintenance

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It’s time to stock up on marshmallows and sleeping bags to hit the road for a fun fall trip. As well as planning on everything you need to put in your RV, consider important maintenance tasks that will keep your vehicle running smoothly. The SWH Insurance Agency LLC team in Fort Worth, TX can help you review your insurance coverage before you hit the road.

Visually Inspect Your RV

Start with a visual inspection of your RV. This can prevent flat tires and mechanical breakdowns. We recommend you look for cracks and gaps and ensure all your major fluids are topped off. You can also take your recreational vehicle to your mechanic for a professional opinion.

Check Your Heat Source

Although it’s not winter yet, evening temperatures drop quickly in the fall. If you have an RV furnace, check the vents to make sure that there are no obstructions. You will also want to inspect the ductwork to ensure that it is in good condition.

Top Off the Antifreeze

Antifreeze prevents your pipes from bursting at an inconvenient time. Check your current antifreeze levels or have a professional do so before you go on your trip. If you aren’t sure how to fill the antifreeze, ask your dealer or a local mechanic. You may also find instructions in your owner’s manual.

Test the Battery

If you haven’t used your RV in a few months, the battery may need attention. Check the distilled water and electrolyte levels as well, or seek a professional to do the job quickly and correctly.

Get Your RV Inspected

A full inspection will point out any potential issues with your vehicle. Schedule your inspection a few weeks before your trip to avoid delays and give yourself time to schedule repairs.

Reviewing your insurance coverage before dusting off your RV for a fall trip is also a great idea. Contact SWH Insurance Agency LLC in Fort Worth, TX to discuss your RV insurance needs today!

Protection for Your RV Across the Country, Across Town, or In Your Driveway

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RVs, those mobile palaces, often bring smiles to faces, evoking memories of fun-filled family vacations or adventurous road trips with friends. The joy of RV travel makes it easy to overlook the fact that RV insurance isn’t just for when you’re on the road. Hence, residents in the greater Fort Worth area trust SWH Insurance Agency LLC for their RV insurance requirements.

Guarding Your RV, On the Road and at Home

Whether on the move or parked, recreational vehicles can encounter a multitude of potential hazards and damages. Incidents like storm damage, fires, or an errant driver are legitimate risks faced by RV owners, and these can occur even if the RV is sitting in your driveway, parked in front of your home, or stored in a garage.

Seemingly safe and routine trips, such as washing your RV, can suddenly become risky—a minor fender bender might result in significant damage and hefty repair costs. The silver lining is that the right RV insurance ensures your mobile palace’s protection, whether you’re a thousand miles away from home or merely parked in your backyard.

RV Insurance Solutions in Forth Worth

If you reside in or around the captivating region of Fort Worth and have questions or need RV insurance, our friendly and professional team of agents at SWH Insurance Agency LLC is always ready to assist. Contact us to learn more and schedule an appointment today.

Protection for Your RV Across the Country, Across Town, or In Your Driveway

Posted on by admin

RVs, those mobile palaces, often bring smiles to faces, evoking memories of fun-filled family vacations or adventurous road trips with friends. The joy of RV travel makes it easy to overlook the fact that RV insurance isn’t just for when you’re on the road. Hence, residents in the greater Fort Worth area trust SWH Insurance Agency LLC for their RV insurance requirements.

Guarding Your RV, On the Road and at Home

Whether on the move or parked, recreational vehicles can encounter a multitude of potential hazards and damages. Incidents like storm damage, fires, or an errant driver are legitimate risks faced by RV owners, and these can occur even if the RV is sitting in your driveway, parked in front of your home, or stored in a garage.

Seemingly safe and routine trips, such as washing your RV, can suddenly become risky—a minor fender bender might result in significant damage and hefty repair costs. The silver lining is that the right RV insurance ensures your mobile palace’s protection, whether you’re a thousand miles away from home or merely parked in your backyard.

RV Insurance Solutions in Forth Worth

If you reside in or around the captivating region of Fort Worth and have questions or need RV insurance, our friendly and professional team of agents at SWH Insurance Agency LLC is always ready to assist. Contact us to learn more and schedule an appointment today.

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