Snow (ice) Day!

With much of the North Texas shut down due to wintery conditions, families are stuck inside their homes. Though this can be difficult for everyone involved, rather than simply allowing for kids to watch TV or play video games all day, parents can use this as an opportunity to engage in quality family time. To help ensure that children are staying active, entertained and engaged, here are four creative activities to enjoy inside the house.

One fun thing that can be done indoors is play board games. Board games provide an opportunity for families to enjoy time together while also encouraging strategy and critical thinking. This can help to create a fun and relaxed atmosphere, while also teaching children important social skills like communication and problem solving.

Another great way to engage children indoors is through arts and craft activities. Not only are these activities fun, but they can also help stimulate creative thinking and spark imaginations. Arts and crafts can take many forms and can be adapted for any age group. From coloring books and Lego sets to sculpture and collage making, there are countless ways to explore creativity.

As a more traditional form of entertainment, video games have come a long way in recent years and become much more accessible. With the number of diverse options available, parents can find a wide variety of games that can be enjoyed by all ages. From simple, educational games to more complex shooter games, there are plenty of different games to choose from.

Meanwhile, exercise and movement can also help keep kids active. From simple dance parties, to yoga, to creating your own obstacle course or scavenger hunt; there are a number of fun activities that can be done inside while still getting the heart rate up.

https://www.youtube.com/user/cosmickidsyoga

All in all, when stuck inside, parents can use this opportunity to get creative and engage in quality family time. With a little imagination, there are many fun and educational activities to be done while still keeping kids entertained and engaged.

What Are The Most Common Winter Home Maintenance Problems

Winter months can be harsh on a home, causing costly repairs if not properly prepared. Frozen pipes, furnaces, roof leaks and ice dams can all lead to expensive damage, so it is important to take proactive steps to avoid these issues.

Frozen Pipes: Pipes should be insulated before winter hits to ensure they are not exposed to temperatures below freezing, as this can lead to expensive water damage. Make sure all exposed pipes are wrapped in insulation, or consider replacing them with insulated pipes if they are too difficult to wrap.

Furnace Maintenance: Furnace maintenance should be completed before the winter months to ensure it is running efficiently and safely. This can also help avoid costly repairs or replacements down the road. Roof

Leaks: Snow accumulation and ice buildup can lead to roof leaks and damage, so it is important to inspect the roof for any issues and make any repairs needed. Make sure gutters and downspouts are kept clear of debris, as this can help prevent any water accumulation.

Ice Dams: Ice dams are caused by melting snow and poor insulation, leading to water damage on the roof, walls and ceilings. Make sure that the attic is properly insulated, as this can help prevent ice dams from forming.

Fire Safety: Fire safety is important during the winter months, due to increased use of the heating system and fireplaces. It is important to make sure all smoke detectors are in working order, and that a fire extinguisher is easily accessible. Additionally, make sure all furnaces and fireplaces are in safe condition, and have them inspected by a professional if needed.

Taking these proactive steps can help prevent any costly repairs during the winter months, so make sure to take the necessary steps to avoid any issues.

Three things you might not know about boat insurance

Boat owners need to be informed about boat insurance. There are a few things that you might not already be aware of when it comes to boat insurance in Whitesboro, TX. At SWH Insurance Agency LLC, we can help you to navigate the complexities of boat insurance.

The following are three things you might not know about boat insurance:

Hurricane coverage is not always automatically included in boat insurance policies.

Hurricane coverage is an important type of coverage to have for boat owners who live in an area of the country where hurricanes are common. However, hurricane coverage is not typically included in standard boat insurance policies.

If you want coverage for hurricane damage to your boat, you may have to purchase such coverage as an add-on policy feature. 

Boat insurance coverage is limited to certain waters.

The most important aspect of boat insurance to understand is the geographical limitations that it goes along with. Boat insurance policies usually specify that boat usage is only covered in certain waters.

You need to make sure that your policy will cover you in all of the waters in which you’ll be navigating. 

Boat insurance coverage offers only limited coverage for personal belongings.

If your personal belongings within your boat become destroyed in an accident, boat insurance will cover them up to a specific amount.

However, personal property coverage included in boat insurance is often fairly limited. You might want to invest in added personal property coverage if you keep especially valuable items in your boat. 

Give Us A Call

Let us help you find boat insurance. If you are a boat owner in Whitesboro, TX with questions about insurance, we’re here to help at SWH Insurance Agency LLC. Give us a call today so that you can get a policy quote.  

Three important facts about flood insurance

Floods are a threat to your home and family. There’s no denying that fact. Yet misinformation can be even more dangerous. Many incorrectly assume they are safe, failing to take even the most basic precautions. Even in The Lone Star State, you are at risk of flooding under the right conditions.

Fortunately, SWH Insurance Agency LLC can help. Serving Whitesboro, TX, the agency wants to set the record straight when it comes to flood insurance.

Here are three important flood insurance facts that everyone should know:

Flood insurance is for everyone, everywhere.

It’s not just for homeowners. Renters may have some protection under their landlord’s policy, yet this is limited to the exterior of the building. And flooding can impact everyone at a moment’s notice. In fact, according to FEMA, individuals who live in low-to-moderate risk zones are still five times more likely to face a flood than a fire. Although it’s rarely required, flood insurance is always a necessity. 

Flood insurance is missing from most other policies.

You aren’t already covered. This is a common misconception. In reality, standard homeowners’ and renters’ plans exclude flooding. Only dedicated flood insurance coverage can safeguard your belongings and your residence from rising water.

Flood insurance is easy to add.

It’s often as simple as contacting your local, private insurance company. Your agent will evaluate your location and conduct a risk assessment to determine what policy is right for you. But each flood insurance policy is federally supported and backed by the National Flood Insurance Program.

Give Us A Call

SWH Insurance Agency LLC, serving the greater Whitesboro, TX community, provides more than just information. Our team of insurance experts can find a flood insurance policy that can keep you afloat if disaster strikes. Call us to set up an appointment today.

Steps to Take After an Accident

Whitesboro, TX residents are required to have automobile liability insurance by law, and the minimum requirements are $30,000 per injury for each individual and $60,000 per wreck, along with $25,000 in property damage. Most lenders will require full coverage if a balance is owed on a vehicle, though many motorists whose vehicles are paid for also opt into these protections. Our team of insurance experts at SWH Insurance Agency LLC is here to help. 

What To Do After An Accident

The very first imperative when involved in an accident is to make sure all parties are safe. Moving the vehicles is recommended when it is possible to do so safely, as these can cause other collisions when left on the road. When it isn’t possible to relocate the automobiles, utilize the hazard lights, cones, or flares if available. 

Those without injuries should get to an area off the road and away from traffic. Care should be taken not to handle those with injuries unless absolutely necessary due to dangers from fire, congested roadways, or other life-threatening situations. 

Call 911 and speak to dispatch about what happened, answering all questions to the best of your ability. Filing a police report can help you later on, as details can be hard to recall later on, and it provides a written account provided by a third party. Obtain the officer’s name, badge number, and phone number as well as the police report number. 

Do not admit fault, and document the wreck with photographs. Be sure to exchange information with the other driver, and write down their contact details and insurance carrier information. Lastly, contact your SWH Insurance Agency LLC agent. 

We Can Help 

SWH Insurance Agency LLC faithfully serves the Whitesboro, TX region and can help automobile owners with their insurance needs. Reach out to us today by phone, email, or by stopping in the office. 

What Types of Vehicles Are Covered Under Recreational Insurance?

If you love to spend time exploring the outdoors, you may have many large toys that you have purchased to help you when you are exploring the wilderness and all mother nature has to offer. Recreational insurance can help to cover these toys. One of the questions that we at SWH Insurance Agency LLC, serving the Whitesboro, TX region, are often asked is what types of vehicles are covered under recreational insurance policies.

Here are some of the most common vehicles that are covered under this type of insurance:

RVs, Motor Homes, and Campers

One of the types of vehicles that are covered under recreational insurance policies is RVs, motor homes, and campers. If you enjoy camping or spending time outdoors, you may have one of these vehicles. Typically, RVs with their own motor home get covered under their own policy. RVs, motor homes, or campers that are pulled behind your vehicle are covered under recreational insurance. 

Boats and Jet Skis

Another type of vehicle that is often covered under recreational insurance is boats, jet skis, and other types of watercraft. Basically, if the watercraft has a motor, it needs to be insured before you can operate it on the water. 

Off-Road Vehicles

Lastly, off-road vehicles, including things such as ATVs, sand buggies, dirt bikes, and snowmobiles can be covered under recreational insurance. If you have any other types of vehicles that you use in sand, on dirt, or off-road, it likely is also covered under this type of policy. 

Give Us A Call

Recreational insurance usually covers the large toys that people use recreationally or for fun. If you are looking to cover one or more of the items listed above, a recreational insurance policy may be perfect for you. Reach out to SWH Insurance Agency LLC, serving the greater Whitesboro, TX area, to learn more about obtaining a policy. 

Our Motorhome Hit a Deer. How Soon Will Our Motorhome Insurance Pay?

At SWH Insurance Agency LLC, we know deer strikes cause extensive damage to your motorhome. In addition, motor home repair often requires waiting for specialized parts and paying eye-popping labor costs. While you wait for estimates and repairs, the last thing you want is a delay in cutting your claims check. 

Here are a few steps that you can take:

Call the Game Warden

Texas requires you to report an injured deer to the local game warden. Moreover, if the animal dies, you may move it to the side of the road, but you may not tag it and take it home. Instead, the Texas Department of Transportation will remove the deer. 

Call us at SWH Insurance Agency LLC in Whitesboro, TX

Call the claims number on the back of your insurance card, preferably at the accident site, to start your RV insurance claim. You will receive a claim number and the claims adjuster will come to the accident site or tell you where to tow your motor home for an assessment.

Contact Texas DOT

While you wait for the claims adjuster, call 800-558-9368 if you cannot move the deer or if you see RV parts in the roadway. If no debris clutters the road, report the deer at the Texas DOT website under the link – "Something on Road." Then, select "dead animal" from the drop-down menu and complete the online form.

Call the Recommended RV Repair Shops

You can request our agents for contact information for repair companies. First, however, you can call whichever RV repair shop you know and trust. 

Get Motorhome Insurance Today

Although repairs might begin immediately, your claim payout might take 30 days or more to process. Stay in touch with us at SWH Insurance Agency LLC in Whitesboro, TX, and make sure to insure your vehicle with motorhome insurance coverage.

What Are The Different Types Of RV Insurance Coverage?

When you are driving your RV, you want to know that you are fully protected in case of an accident. That’s why it’s important to have the right type of RV insurance coverage. There are many different types of RV insurance available, and it can be confusing to figure out which one is right for you.

Here are the different types of RV insurance coverage and explain what each one covers:

Liability insurance

This type of insurance covers damage that you may cause to other people or property while operating your RV. It’s the most basic type of RV insurance and is required in most states, so get yours at SWH Insurance Agency LLC in Whitesboro, TX.

Liability coverage includes:

  • Bodily injury liability: This covers medical expenses and damages if you injure someone else in an accident.
  • Property damage liability: This covers damages to someone else’s property, such as their car, if you cause an accident.

Collision and Comprehensive Insurance

This type of insurance covers damage to your RV if it’s involved in an accident. It also covers theft and vandalism. Collision and comprehensive coverage are not required in most states, but it’s a good idea to have them if you can afford it.

Collision coverage includes:

  • Repair or replacement of your RV
  • Rental car reimbursement
  • Towing and labor costs

Comprehensive coverage includes:

  • Repair or replacement of your RV
  • Towing and labor costs
  • Damage from events such as fire, flooding, or hail
  • Theft of your RV or contents inside it.

Personal Injury Protection

This type of insurance covers medical expenses for you as well as the passengers you had in the car if any were injured in the accident. Usually, it doesn’t matter who was at fault. PIP is required in some states but not others.

PIP coverage includes:

  • Medical expenses
  • Lost wages
  • Funeral costs
  • Child care expenses
  • Other expenses such as housekeeping or transportation

Contact Us Today

Now that you know the different types of RV insurance coverage, you can start shopping for a policy that meets your needs. Be sure to compare rates and coverages from different companies before you make a decision. Get in touch with SWH Insurance Agency LLC in Whitesboro, TX today to get started. We would be happy to help you find the right RV insurance policy for your needs.

Are you looking for a lender you can trust?

Kerstie Clark joined Blink Lending & Investments with a unique background that our entire team and each of her clients equally benefit from. Kerstie grew up in a Dallas suburb and moved to Houston after graduating law school from the University of Oklahoma’s College of Law. As the daughter of a construction engineer, she often visited construction sites of commercial projects and custom-built homes and has a true appreciation for the inherent value of investing in real estate.

As a practicing attorney in Houston’s oil and gas industry, Kerstie has dealt with numerous multi-million-dollar contracts which, over the years, has sharpened her impressive business, writing, and financial skills. More importantly, her legal background has taught her the value of exceptional client service and professionalism, which she brings to the Blink team. Kerstie recognizes the importance of building genuine, long-term relationships with her clients and strives to do so by serving as a trusted ally and customizing each loan based on her clients’ specific needs. Along with her law degree, Kerstie has a bachelor’s degree in business marketing from the University of Oklahoma and is passionate about Sooner football.

As a former Division 1 athlete, Kerstie learned to be disciplined and to face adversity with grace. She enjoys being challenged and doesn’t shy away from an opportunity to grow in both her personal and professional life. Outside of work, Kerstie is a dedicated wife and mother of two young children. She enjoys giving back to the Houston community as a volunteer on the Parade Committee for the Houston Livestock Show and Rodeo.


NMLS #2155531
Kerstie Clark
Loan Officer
972.765.1912
kerstie@blinklending.com
713.GO.BLINK (462.5465)

What happens if your boat is damaged while in the marina?

SWH Insurance Agency LLC is here for the boat owners in the greater Whitesboro, TX area. If you have questions about boat insurance, we are here to answer them! Don’t wait until you have an incident to get your insurance questions answered. We are here for you now!

Your boat’s been damaged in the marina: what happens next?

Owning a boat is a lot of fun, and it’s a perfect way to spend time with family and friends. Of course, there is also a lot of responsibility, and boat owners know how important it is to protect themselves and their crafts. 

Accidents out on the water aren’t the only way that your boat can be damaged. If your boat is damaged when it is in the marina, you will need to take a few steps. First of all, you will want to ensure everyone’s safety. Once your boat and passengers are out of direct harm, you’ll want to assess the situation.

When repairs are required, contact a boat repair company that is approved by your insurance carrier. If the issue is that your boat has been damaged due to vandalism or negligence, you will want to talk to the dock master right away about having them save any relevant footage from nearby security cameras. Calling the police to file a report should also be done in a timely manner for your protection. 

Give us a call today!

Whitesboro, TX area boat owners can rely on the SWH Insurance Agency LLC team for all of their insurance needs. If you have questions, or would just like to learn more about the boat insurance policy options that are available in our area, give us a call or stop by the office today!