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R Hobbs Insurance Agency Inc Blog

View the latest blog posts from R Hobbs Insurance Agency Inc.

Why does your home insurance agent need to know if you have an ill loved one? Most often, they do not need this information. However, they do need to know if the home is vacant. A vacant home is a high risk to insurers. If the home’s owner cannot live there for some time, you may see your insurance drop off. READ MORE >>

Business insurance provides financial protection from losses you cannot control. This includes vandalism to your landscape in many cases. However, there are limitations to how much coverage you have as well as when this type of coverage applies. If you are unsure about any type of incident, contact your agent. READ MORE >>

Oh Deer! Fall Brings More Activity  Deer-related collisions have been on the rise, with most happening in the month of November. The months of October and December rank second and third for deer collisions, respectively. The coverage that would pay on a covered deer-hit claim is comprehensive. READ MORE >>

Home insurance is one of the best tools to help you when accidents happen. But it does not always cover losses related to wear and tear. Your windows need routine care to minimize risks to them over time. And, sometimes, the water damage created by your windows can be significant. READ MORE >>

Some insurance companies require drivers to make a deposit when purchasing auto insurance. Not all do this, though. It is important to discuss the need for a deposit with your insurer before agreeing to the terms. There are a few key things to remember about this policy and what the deposit means. READ MORE >>

Ah, fall. Beautiful weather calls many Americans out into their yards.  Armed with tools ranging from pruners and rakes to lawn mowers and leaf blowers, they join the battle to clean up and prepare for winter. Unfortunately, when it comes to safety, far too many homeowners are unprepared and risk injury. READ MORE >>

Water damage inside a vehicle can be devastating. When it occurs, it can become hard to remove. The seats may develop mold over time. The carpeting or leather may warp. It can also cause significant damage to the engine and electronics. In this situation, your first step is to call your auto insurance company. READ MORE >>

An unoccupied home is one in which someone is not living at the moment. It is not uncommon for a home to be ready to live in but remain empty for a period of time. However, when this happens, the home insurance agent needs to know. This information becomes critical after 30 to 60 days. READ MORE >>

An unoccupied home is one in which someone is not living at the moment. It is not uncommon for a home to be ready to live in but remain empty for a period of time. However, when this happens, the home insurance agent needs to know. This information becomes critical after 30 to 60 days. READ MORE >>

1. Use extra caution when driving at dusk Each neighborhood has different times for trick or treating. The younger children are usually out early, and the older children can still be out after dark. Drivers should try to avoid busy areas, keep their headlights on and take it slow. READ MORE >>

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