How to Protect Yourself From Roofing Scams

Posted on January 22, 2023 by Central Insurance Property owners often find themselves the victim of contractor fraud. In 2022 alone, the Federal Trade Commission reported a total of 70,612 home-related fraud cases. Of all the areas of a building scammers can target, the roof is often the most vulnerable. This area is often expensive to repair and hard to access without the proper tools, making it easy for scammers to lie about or cause damage without the owner finding out. Roofing scams ...

What You Need to Know When Insuring Your LLC-Named Home

Posted on January 26, 2023 by Central Insurance Have you considered ways to protect your home beyond insurance? Are you concerned about planning for your estate? Placing your home in either a trust or a Limited Liability Company (LLC) are great options to avoid certain estate tax penalties.  While trusts are more well-known as an estate planning tool, an LLC may be the right choice for your needs.

What is an LLC?

An LLC is a hybrid business entity ...

A lot can change. Contact us to make sure your coverage is up to date.

How Often Should I Review My Insurance Coverage?

It’s a good idea to review your insurance coverage at least once a year to ensure that your family and belongings are appropriately protected. You’ll also want to review your coverage any time you’ve made a major ...

Why Homeowners Insurance Premiums Are Rising and What You Can Do

Most people can expect their homeowners insurance rates to go up this year — along with the cost of materials and supplies — in this economy. Several factors are behind the rising rates. Increasing frequency of severe weather events are causing more serious damage and more costly insurance claims. The rising cost ...

The art of the bundle - should you do it?

Should you bundle your home and auto insurance with the same carrier? What are the benefits? Are there any downsides? Many Texas & Louisiana insurance companies offer incentives or discounts to “bundle” your home and auto and trust them with both products. Aside from the prosect of saving ...

Will my auto policy cover the trailer I'm pulling?

It may seem that a trailer is an extension of your vehicle and should be covered by your auto policy, but is it?!?! If you use a trailer to haul your motorcycle, ATV or anything else, make sure you're protected with a cargo trailer insurance policy. You will likely need ...

Extended Transportation Expenses Coverage and Rental Reimbursement Insurance Coverage

What Is Extended Transportation Expenses Coverage? 

Extended transportation expenses coverage – sometimes referred to as rental reimbursement coverage – is an optional coverage that can pay for a rental car, other forms of transportation or other transportation expenses if your car is damaged in a covered accident. This coverage ...

Texas & Louisiana Home Insurance - Replacement cost vs. ACV (actual cash value). Is your roof covered?

When Texas & Louisiana homeowners are choosing insurance for their home, there are factors to consider that will affect how much is covered and how much the policy costs. One of the big decisions to make is whether your policy covers damages based on ACV – actual cash value or ...

Are you a contractor in Texas? ...Do you have the right insurance??

Why is it so important for contractors to have insurance? …and what kind is appropriate? Whether you’re a Machine Shop, you do concrete work or you’re a dirt or road contractor in Texas or Louisiana, it’s critical to have the right insurance. Not only to protect ...

Insurance 101: What Determines the Cost of Homeowners Insurance?

When it comes to homeowners insurance, the price of policies can vary greatly. Watch this video to learn more about what factors into the cost of your homeowners insurance and what you can do to lower your premium.

Errors and Omissions Insurance

Errors and omissions insurance (E&O) is a type of professional liability insurance that protects a business from customer claims of negligence or inadequate work related to the professional advice and services they provide. An E&O policy can cover legal fees and settlement costs associated ...

10 areas businesses should address to mitigate professional lines risks in an evolving world

From cybersecurity exposures and ransomware attacks to M&A volatility and securities litigation, a variety of evolving risks are affecting the management and professional liability market as the economy adapts in response to COVID-19.

The Professional Lines Risk Matrix featuring 10 potential exposures affecting the professional lines market.

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