Brad Spurgeon Insurance Agency Inc. - Blog

Blown Away By Options? How To Choose The Best Windstorm Coverage

7/28/2025

Windstorms can strike with little warning, leaving behind costly damage to homes, vehicles, and personal property. From hurricanes and tropical storms to derechos and tornadoes, wind-related events are among the most destructive natural disasters in the U.S. That’s why having the right windstorm insurance coverage isn’t just helpful—it’s essential.

But with so many coverage options, riders, exclusions, and regional differences, choosing the right windstorm policy can be overwhelming. This guide will help you cut through the confusion and select coverage that protects your property and your peace of mind.

Bundle Up! How Combining Flood And Home Insurance Can Save You Money And Stress

7/21/2025

When it comes to protecting your biggest investment—your home—having the right insurance coverage isn’t just smart; it’s essential. Many homeowners assume their standard home insurance covers everything, but flood damage is almost never included. If you live in an area prone to storms, hurricanes, or even unexpected heavy rainfall, combining flood and home insurance into a bundled package can offer cost savings, streamlined protection, and serious peace of mind.

Extra Coverage, Extra Peace Of Mind: Umbrella Insurance Explained

7/14/2025

In an increasingly litigious world, the protection offered by your standard home or auto insurance policy may not be enough. Accidents happen, and lawsuits can be expensive. That’s where umbrella insurance comes in—a powerful financial safety net that provides extra coverage when you need it most. Whether you’re a homeowner, landlord, business owner, or simply someone who wants added peace of mind, umbrella insurance can be a smart and surprisingly affordable solution.

History’s Fiercest Winds: Events That Changed The Way We Prepare

7/9/2025

Throughout history, windstorms have left a powerful mark on communities, economies, and emergency response strategies. From devastating hurricanes to powerful derechos and cyclones, these events have reshaped how cities build, how governments respond, and how individuals prepare. Understanding the most significant windstorm events helps us not only reflect on past destruction but also improve the way we protect our homes, businesses, and lives today.

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.

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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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