Brad Spurgeon Insurance Agency Inc. - Blog

How to Keep Your HVAC System Running Efficiently Year-Round

6/23/2025

Your HVAC system is the heart of your home’s comfort—keeping you warm in the winter and cool during the summer. But without proper maintenance, even the best systems can struggle to perform efficiently, leading to higher energy bills, uneven temperatures, and costly repairs. Fortunately, with a few proactive steps, you can extend the lifespan of your HVAC system and ensure it runs smoothly all year long.

Below are practical tips to help you maintain optimal HVAC performance in every season.

Flash Flood Safety Tips: How To Stay Safe When Waters Rise Fast

6/16/2025

Flash floods are sudden, fast-moving, and potentially deadly. Caused by intense rainfall, dam breaks, or rapid snowmelt, flash floods can turn calm streets into dangerous rivers in a matter of minutes. Whether you live in a high-risk flood zone or not, knowing how to react during a flash flood could save your life.

Below are essential flash flood safety tips and key information on how to prepare before, during, and after the waters rise.

Windstorm Coverage 101: Know What’s Included Before The Storm Hits

6/9/2025

When strong winds strike—whether from hurricanes, tropical storms, or sudden wind gusts—the damage to your home can be devastating. That’s why windstorm coverage is a critical component of any well-rounded homeowners insurance policy. But not all policies include it automatically, and what is covered (or excluded) can vary widely.

Before the next storm season arrives, take time to understand what windstorm insurance really covers, what it doesn’t, and how to ensure your property is properly protected.

The ABCs Of Home Insurance: Understanding The Basics

6/2/2025

Home insurance is one of the most important financial protections you can have as a homeowner—but navigating the terminology and coverage options can feel overwhelming. Whether you're buying your first home or simply reviewing your current policy, understanding the basics of home insurance is the first step toward making informed, confident decisions.

Here’s a simplified guide to help you understand the ABCs of home insurance—from what it covers to what to look for in a policy.

No One’s Home—Now What? How To Insure Your Vacant Property

5/26/2025

Whether you’ve inherited a home, are in between tenants, or waiting for renovations, owning a vacant property presents unique risks—and often, a gap in your insurance coverage. Many property owners don’t realize that standard homeowners insurance may limit or void coverage if a home is left unoccupied for an extended period.

If your property is sitting empty, even temporarily, it’s crucial to understand the risks and how to protect your investment.

Windstorm Warning: Uncovering The Forces That Drive Intensification

5/19/2025

Windstorms are among nature's most powerful and unpredictable phenomena. While many associate wind damage solely with hurricanes or tornadoes, even strong straight-line winds and derechos can leave significant destruction in their path. Understanding what causes these storms to intensify helps us better prepare—and protect what matters most.

When Waters Rise: Must-Have Items For Your Emergency Flood Kit

5/16/2025

Floods are among the most common and destructive natural disasters in the United States. Whether triggered by hurricanes, heavy rainfall, or overflowing rivers, flooding can happen quickly—often with little time to prepare. That’s why having a well-stocked emergency flood kit is essential. Just as important, though, is having flood insurance to protect your home and finances from devastating loss.

Wind, Rain, And Risk: Understanding Your Windstorm Insurance Choices

5/12/2025

Severe weather can strike with little warning, bringing damaging winds, heavy rain, and destructive storms. From hurricanes to tornadoes to powerful windstorms, these events can cause extensive damage to your home and belongings. That’s why it’s crucial to understand your windstorm insurance options—before a storm is on the radar.

Not Just For Disasters: The Overlooked Advantages Of Home Insurance

4/28/2025

When most people think of home insurance, they often picture protection against natural disasters like fires, floods, or hurricanes. While safeguarding your home from these catastrophic events is a fundamental component of any policy, the benefits of home insurance go far beyond disaster relief. In fact, many homeowners are surprised to discover how versatile and valuable their coverage truly is.

Below, we explore the lesser-known — but incredibly helpful — advantages of home insurance that make it a smart investment, even if disaster never strikes.

The Price Of A Flood: Counting The Costs And Consequences

4/21/2025

Floods are among the most common and costly natural disasters in the United States. From flash floods caused by heavy rain to storm surges along coastal areas, the damage left behind can be devastating—not just to property but also to finances, emotional well-being, and community infrastructure. Understanding the real costs of a flood and preparing accordingly is essential for any homeowner, business owner, or community planner.

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Texas City Office

Brad Spurgeon Insurance Agency Inc.
1118 14th Street N
Texas City, TX 77590
(409) 945-4746
Click Here to Email Us

Galveston Office

Brad Spurgeon Insurance Agency Inc.
335 Westerly Dr
Galveston, TX 77554
(409) 877-7755
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