Stanley Insurance Agency In Texas

MIDTOWN: (512) 453-7007

7304 Burnet Road, Austin, TX 78757

SOUTH: (512) 445-5555

512 West Stassney Lane, suite 113 Austin, TX 78745

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This is where we will post relevant news and articles about the insurance industry and our company.

Renters Insurance Guide

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Renters insurance is a lot like homeowners insurance. It's intended purpose is to cover the cost of any damages that may occur within the home you are renting in the event of a disaster. In order to keep your assets financially secured, you should purchase renters insurance.

Renters insurance protects against a lot of things, but it is important to mention the three key points.

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5 Things You Should Know When Buying Renters Insurance

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In recent years, the restrictions on lending have gotten tighter and tighter. This, in turn, is causing more people to rent a home rather than buy a home. Renting in some ways is the cheaper option. This is typical because you are not responsible for things a homeowner would be responsible for, such as maintenance and repairs. However, there is a very substantial difference between owning a home, versus renting one. The difference is that with homeowners insurance the belongings in your home are covered, and when you are renting they are not. But, that does not mean that the belongings in your home can't be covered. They can still be covered, by means of renters insurance. There are a few things you should pay attention to and keep in mind when buying a policy.

1. How much coverage do you need?

The basic use of renters insurance is to cover the cost of replacing the belongings in your home in the event of something unfortunate like an accident, theft or by means of a natural disaster. With this in mind, the smart way of determining how much coverage you need is to take an inventory of all the possessions you have in order to have a good idea of the coverage you need. When doing this take note of what the item is, when you bought it, and how much you paid for it as well as what you believe it is worth now. After you have added all your belongings up, you'll have an idea on how much coverage to buy.

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A Quick Guide To Motorcycle Insurance

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Sure, almost everyone has a car or has had a car at some point in time. However, there is a different type of vehicle that must also be considered, and must also be accounted for. This vehicle is a motorcycle. Love it or hate it, motorcycles count as a motor vehicle as well, and because of this auto insurance is a must for this type of transportation as well.

As with the typical minimum for car owners, motorcycle owners must buy at least liability insurance. Liability insurance only pays for the injuries to others and the damage to their vehicles. It does not, in any way cover you for injury or damages. However, we'd recommend more than liability coverage, because often times motorcycle accidents with other automobiles are often causes of major injuries to the motorcycle driver. Without some medical coverage for motorcycles in the event of an accident, an already bad situation can turn into a much more major problem financially.

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When Do You Need RV Insurance?

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When driving a typical vehicle, such as a car, truck or SUV you will need to purchase car insurance for that vehicle. The same is a good idea whenever you own an RV. However, you only need insurance for certain types of RV's.

Some of the main signs that you need RV insurance are:

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Safety On Electric Scooters

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In the Austin Area, a new form of transportation has gained in popularity in the form of Electric Scooter rental. However, one thing that the scooter rental companies do not account for is what happens whenever an accident occurs. For this reason, it's safe to assume that if the scooter rental company does not tell you explicitly that you are covered in the event of an accident, it is safe to say that you aren't covered. This is because home or auto insurance typically doesn't cover scooters.

In the event where you do get into an accident, your health insurance is likely to cover your injuries, but is in no way responsible to injuries to others who may have been in your path. It's always worth noting that you are the one who is insured and not any other. So, if an accident was to happen and someone else was riding the scooter that you had rented, this will likely cause complications. So it is important that you let no one else ride the scooter you rented, even a little, especially if they are a minor, as most scooter agreements do not allow any minors to ride the scooter.

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Full Coverage vs Liability Insurance

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Car insurance is not as simple as it seems. There are a lot of variables and things to cover in order to understand exactly what you need out of it, and what you don't. The truth is, the more you research insurance, and what is a good idea, and what isn't, the better off you will be.

How much insurance do you need?

This is the question which everyone asks or at least the question you should be asking yourself. This really depends on your needs. To begin, there are two different types of vehicle insurance.

The first, and cheaper option is liability insurance. The main use of liability insurance is to simply cover the potential cost of damage that can be caused to others while driving if you become involved in an accident. This is typically the costs involved such as the vehicle damage to their vehicle, as well as any medical costs involved. Liability insurance is typically the law in most places and is the minimum amount of insurance that you legally must have.

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Top 3 Insurance tips for millennials

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Being a millennial, you have now reached the point in your life where you will be taking and making some major decisions in your life. Will you go to college, or will you go to the military, or neither of these? Will you buy a home, or rent a home? These are all major life decisions and can only be aided with a stable financial situation. This is exactly how insurance is, be it home insurance, or car insurance, a safety net for finances, due to the fact is the monthly payments insure you'll have means to fix, or replace something when accidents happen. Here are 5 tips which can aid you for the better.

Shop Smart - Shopping doesn't always have to be buying the most expensive thing, with all the perks and features, or even cheaping out and getting by with the least amount possible. You should attempt to find a good middle ground. Do your research. Assess what you'd like, and what you wouldn't like. From here. you will be able to better determine which plan you should go with, and what will suit you best for your situation.

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Finding The Best Insurance - Part 4

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Keeping your insurance premiums down doesn't always have to be you shopping around, or changing your entire plan in order to fit your budget. There are other things in which you can do in order to lower your insurance rate. A lot of times, getting lower rates can be simpler than you may think. Here are some easy ways to lower your rate without switching insurance providers.

1. Security Measures

This is exactly what it sounds like. Keeping your vehicle safe, such as housing it inside a garage, can lower premiums. Some of the other ways include fitting in things such as an alarm, immobilizer or GPS tracking will lower premiums. Living in a safe neighborhood will also keep your vehicle safe, thus translating to a lower premium.

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Finding The Best Insurance - Part 3

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A lot of people only really have the possibility of switching insurance from their current provider whenever they go out and buy a new vehicle. However, for those who are just trying to lower their rates, they have the potential to shop around as well, it is their duty as smart shoppers to do so. It is something worth considering that you don't have to switch providers entirely in order to get a lower premium. Here are some ways of getting lower premiums at your current Auto Insurance provider.

1. Usage-based Coverage

Driving less will equal less risk of getting into an accident. This means that it will be cheaper for us to insure you because the vehicle will be less of a risk to us, which allows us to give you a cheaper rate. This is why it is important to your mileage to us.

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Finding The Best Insurance - Part 2

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Cheaper is what everyone wants. Often times, they shop around for the company that is willing to give them the cheapest coverage. However, one should consider that changing their habits may also play a major role in keeping rates down.

1. Take Care of your vehicle

Vehicles that are taken good care of are going to be less of a risk to insurers. Keeping vehicles in a garage is one of the things which we as insurers are willing to take into account. Taking good care of your vehicle can also be seen as a benefit to you because good maintenance will ensure that the car lasts longer as a result.

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Finding The Best Insurance - Part 1

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There are many things which you can consider when shopping around for insurance. There are a few sets of things you should consider when looking for insurance for your new vehicle. Let's explore some of the things you can do when shopping around for insurance which can play a role in lowering the premium.

1. One company won't always be cheaper than the others

There may be some truth to a company typically being the cheaper option, however, don't assume this. There are many insurance companies around, and you shouldn't rush towards going with one. It's wiser to shop around to find what is best for you policy-wise. If the cheaper rate is all you are after, you may get lucky in finding a cheaper company as well.

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Top 5 Space Heater Safety Tips

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Houses have fires, usually by accident. However, a major occurrence of house fires can be directly tied back to heating equipment. Heating equipment is one of the leading causes of home fires in the United States, and there is a reason to explain this. Space heaters are usually the culprit in a house fire caused by heating equipment. This is why it is important that if you use a space heater, there are precautions that you should take in order to prevent the fires from happening. In addition to this ensuring that you have the proper homeowner or renters insurance can help you better protect your belongings.

Safety is always priority #1. This is why it is important to follow these tips:

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Top 3 Renters Insurance Safety Tips

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When you buy renters insurance, the coverage is what you are purchasing. This will function as a safety net of sorts in the event where accidents do happen. However, to maintain lower rates over time, you should consider the employment of prevention methods in order to plan for the worst, while reducing the risk as well. Some of the prevention methods you can take advantage of are:

1. Understand where the dangerous objects in your home are

Look for the objects in your home which pose a risk. One example of this is if cabinets or dressers are not anchored to your wall, it could pose a safety risk around small children. Other things, such as unprotected power outlets can pose a risk as well. You should keep a note of these risks, and work to fix them so they can be largely factored out.

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Preparing Your Home For The Winter

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Winter is the most wonderful time of the year, however, if you fail to be prepare your home for the winter it has the potential of being one of the most miserable times of the year. So, precautions should be taken to ensure that you are prepared to overcome the worst that winter has to throw your way. This includes making sure you have proper homeowners insurance.

Understanding the cold

There are many dangers which can pose an issue during the winter, such as icy walkways and driveways. Another thing which can pose an issue is the snowfall which occurs, causing your driveway, and sidewalks to become filled.

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Renters Insurance in Texas

Renters Insurance in Texas

Stanley Insurance Agency offers many different options for renter's insurance in Texas. Get more information on our main Renter's Insurance page or contact one of our reps to talk about it in person. We look forward to helping you!

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Business Insurance Tips

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When considering insurance costs, the more claims in a period of time have the potential of playing a negative role in determining your insurance cost. This is especially apparent in businesses.

However, there are decisions that can be made which can play a positive role in lowering the cost of commercial insurance. Taking these precautions for your business will ultimately reduce the number of issues which may occur. This includes such things such as an evacuation plan if something were to happen inside the building.

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School Bus Safety Tips

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No parent should have to worry about whether or not they are safe on the bus ride to school. A lot of times, the rules aren't enforced very well because of the fact that the bus driver must focus on the road, and can't focus on all of the children at the same time. This is why it is a parents duty to teach your kids a proper, and safe way of boarding, and exiting the bus.

1. Walk with kids to the bus stop, and boarding the bus

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Protecting Your Belongings At College

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When your kid goes off to college, he or she is at a huge risk for a crime being done, at your expense. This is an unfortunate event that usually results in a serious crime such as burglary.

With risks like this, parents will be asking the question of how we can insure your property in the event this happens. The good news is that there are policies which can be insured, and if you own a home, your child and their belongings are probably already covered on-campus. On-campus insurance is covered typically through your already existing home insurance policy. This is good because it allows for peace of mind when your child is living on campus. This way, all of the belongings your child may have at his or her dorm can be replaced, and not completely lost in the event that some of their belongings are stolen from them.

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Preparing Your Home For Winter

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For homeowners, we can all relate to times where a large storm rolls in, damaging, or taking parts of your home with it in the process. Some may believe that this is just a fact of life, and is unavoidable. This may be true, in some occasions, but there is preventative measures which you can take which will decrease the chances of this type of thing occurring.

1. Inspect your roof for any issues

The first preventative measure in which you can follow is to give your building's roof a general inspection. This is quite possibly the easiest thing to do when determining if your roof is in need of any maintenance. This is also the exact point where you will be able to determine if your roof is in need of any maintenance.

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Fall Homeowner Checklist

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Often times when someone is considering that the heating or cooling bill is high for their home, they little do consider all of the little things that they could do, replace, or repair in order to make the bill cost much less than it currently is. This all resorts back to at its core is how energy efficient you can make your home because any energy which is wasted will make all of your equipment work harder, for longer. This drives your bills up over time, and will only get worse as these things are neglected and progress farther along.

1. Keep your home airtight

When you believe that your home may not be operating as efficiently as it can, you should consider the common problem areas which may lose heat the most. This can be in a few different places, such as the doors to the home, or the windows to the home. You will be able to tell if they are not working as they are intended to, because they will feel very drafty, and you can often feel the temperature difference standing next to the point of entry, and somewhere else like the center of the home. Another possibility that you may run into is that places around the roof of the home may not be properly insulated, or there is physically a hole that is letting the air in. There is also the possibility that the age of the roof, has caused it to sag which means that the roof will not sit as intended on the home which can cause issues as well. A general rule of thumb when keeping your home at a certain temperature is that the home is like an airtight balloon. If there are any pinholes in this "balloon" anywhere then the inside air will escape.

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Outdoor Cooking Safety Tips

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There are many things in life which are dangerous. Cooking is no different. With anything, there are a list of steps involved that anyone should follow if they are cooking. Of course, there are some obvious things you should be aware of, such as not leaving food unattended. However, it is important to know about and understand what you aren't paying attention to for your safety and the safety of others. Failure to do so has the lingering potential to cause injury if not taken into account.

1. Keep Your Grill Away From The House

Grills have an open flame, and open flames should not be near anything that can burn. This is why it is crucial that you keep your grill at least 15 feet away from your home for you, and for your families sake.

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Childproofing your home

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When bringing a small child into your home, you understand that they don't always mind their business or do what is safe for them. They do silly things, which get them in trouble. These things can also get them hurt as well, should they get the chance. This is not their fault, as they do not know any better. It is because of this that childproofing your home exists. This attempts to alleviate the chances that they will be put in dangers way, putting you and your family at peace of mind. We will be discussing the things that you can do so that your child is given a safe living environment.

Childproof Your Electrical Outlets

Electricity is dangerous when being used by someone who doesn't know it's capabilities, which means that this is very true for babies. It is also more dangerous for younger children, due to the fact that they have less body mass as adults do, which means it takes less for them to feel the effects. Outlets in your home will typically run off of 120 Volts, but did you know that all you need is 40 volts to be potentially fatal? This proves very dangerous even for adults, but the effects are amplified for children. They won't know any better until it is too late. It is because of this you should childproof your electrical outlets by installing safety plugs, our outlet covers all the outlets you are not using. It is also noteworthy that all cords should be well managed, by using methods which stow the cord away, and keep it from posing a tripping, or choking risk. You should also take great concern to unplug any and all loose appliances put up whenever you are not using them. This includes appliances such as toasters, hair dryers, hair straighteners, or anything else you may use.

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Ways to Save Money On Car Insurance

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Let's Face it, Car insurance is more expensive than no insurance at all! However, auto insurance is something you are required to have, in it's the most basic form of liability at the very least. So, it is often that owners will shop around in order to find the best rates for their vehicle. We are going to talk about some tips you can consider so that you can try to save as much money as you can when purchasing auto insurance.

1. Ask Around

In life, you may ask someone one thing and get one response. However, if you ask someone else you may get a response which is completely different from the response the first person had given you. This is no different in the Auto Insurance world. One insurance company may give you better or worse rates than the other. This is based on our records for the vehicle, and your age, among other factors. It is due to these factors that premiums have a wide range of variance. This is why you should do what you can and inquire with as many people to decide what is best for you.

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Renters Insurance Safety Tips

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When speaking about your home, you should never be satisfied with the level of safety in, and around your home. If something goes wrong, we often don't think about preventing the problem during the moment. This is where Renters Insurance comes in. With insurance, you can rest assured that you will never have to be worried about not having a prepared solution should unfortunate events happen to you ever again within the property you rent.

1) Learning and keeping First Aid and CPR

Unfortunate events will always happen, we cannot choose when they do and when they don't happen. However, we can choose how we are prepared for these events and what we can do about them. This is why you should value with great importance that you learn first aid and CPR. These skills are important in life should an emergency arise. Should you need to look after younger children, it is very important to know these two things should they get hurt. This will allow you to look after them properly with some basic know-how should something go wrong.

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Driving Safety Tips Part 4

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This is the final entry of a four part series of safety tips we have been posting to help new and experienced drivers be safe on the roads.

16. Maintain Your Vehicle - Keeping your vehicle in proper working condition can keep you safe on the road. Keeping fluids topped off, tire pressure correct, performing regular engine maintenance, and making sure lights are working will ensure you're safe on the road.

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Driving Safety Tips Part 3

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This is the third part of a four part series of safety tips we will be posting to help new and experienced drivers be safe on the roads.

11. Slow Down for Yellow Lights - Many drivers speed up to get through yellow lights, it is important to respect the light. Slowing down at yellow lights will ensure you have plenty of time to stop at the upcoming red light.

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Driving Safety Tips Part 2

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This is the second part of a four part series of safety tips we will be posting to help new and experienced drivers be safe on the roads.

6. Use Turn Signals - The turn signals are in place to let you tell other drives what you plan to do. Even though you cannot count on others to use it, you should always use your turn signals before you turn or make a lane change.

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Driving Safety Tips Part 1

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The following safety tips are a part of an ongoing series we will be posting to help new and experienced drivers be safe on the roads.

1. Always Stay Alert - When you're paying attention to the drivers around you, you can be prepared for any unexptected actions they may take.

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Stanley Insurance Agency
South Location
512 West Stassney Lane, Suite 113
Austin, Texas 78745
(512) 445-5555
Mon-Fri 9am to 7pm
Sat 10am to 3pm
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Midtown Location
7304 Burnet Road
Austin, Texas 78757
(512) 453-7007
Mon-Fri 9am to 5:30pm
Sat 10am to 3pm
Click Here For Directions

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