Straight From The Source Blog by Higginbotham Insurance

Halloween is supposed to be a scary holiday. We expect to see spooky costumes and terrifying decorations. Some frights, however, are less enjoyable – especially when they involve injuries or lawsuits.

Car insurance is required by Texas law, and it’s also a smart way to protect your assets. Unfortunately, car insurance premiums can be expensive – even if you have a clean driving record. Have you ever wondered what might happen to your car insurance rates if you get into an accident? Find out below.

If you’ve ever been sued, you know that legal fees add up fast. It doesn’t matter if you’re not at fault. You’ll still need to hire an attorney to defend your case. If think you’ll never get sued, think again. Here are some common ways it can happen:

Summer is the perfect time for a relaxed road trip. Just make sure it stays relaxing. Whether you’re planning a short weekend getaway or a long trek across the nation, take a few precautions to keep your road trip fun and carefree.

Imagine what would happen if a fire or other catastrophe destroyed your home tomorrow. You would need to file an insurance claim as soon as possible, and you would need a list of everything you lost to make sure you received proper compensation. But creating this list from memory would be difficult to say the least, especially when you’re still dealing with the trauma of the fire. It would be much better if you had the list already.

We’ve all fumbled for our car keys at some point. It often happens at the worst moment too –  when we’re standing in the rain, holding a crying child or carrying bags of groceries. That’s why keyless car entry devices, which unlock the car automatically once we get close enough, are so appealing to many people.

Lawsuits happen every day, for all kinds of reasons. They’re the number one reason umbrella insurance is such a good idea for so many people. An umbrella policy gives you an added layer of liability protection over and above your homeowner’s, auto and other policies. So, when the coverage limits on those policies are reached, the umbrella policy kicks in.

Our homes are getting smarter. We can see who’s ringing our doorbell even when we aren’t home. We can control our shades and lights remotely. We can manage other smart devices, shop, play music and get quick answers using devices like Amazon Echo or Google Home.

You’ve been hearing a lot about the new sharing economy. Companies like Airbnb and Uber have changed the way people work, travel and vacation. Now you want in on the action. But before you decide to hop on the sharing economy bandwagon and rent out your Texas house, there are a few things you need to know about local laws and insurance requirements.

Another holiday shopping season will soon be winding down, and one of the most popular gifts that will be found under Christmas trees and in stockings again this year is jewelry. As a matter of fact, business is booming for the jewelry industry. According to the 2014 US Jewelry State of the Market Report, overall jewelry sales reached $68.8 billion in 2014, with fine jewelry sales during the holiday season alone topping $19 billion. Jewelry sales for this holiday season are anticipated to be even higher.