Owning a bo at brings freedom, adventure, and relaxation—but it also comes with responsibility. Whether you enjoy fishing, cruising, or weekend trips on the water, boat insurance is essential for protecting both your vessel and your financial well-being. Many boat owners are surprised to learn that damage or liability from boating accidents isn’t covered under standard homeowners or auto insurance policies. That’s where boat insurance comes in. This guide explains what boat insurance typically covers, what may require additional protection, and how to make sure you have the right policy for your needs. What Is Boat Insurance? Boat insurance is a type of policy that helps cover the cost of damage, loss, or liability associated with owning and operating a watercraft. It can apply to a range of vessels, including: Fis hing boats Sailboats Pontoon boats Personal watercraft (Jet Skis, WaveRunners) Yachts Policies vary based on the boat type, size, value, and how and where you use it. Core Coverages in a Boat Insurance Policy Boat insurance typically includes several key coverage features: 1. Physical Damage Coverage This helps repair or replace your boat if it’s damaged due to: Collision with another vessel Dock or pier impact Storm or wind damage Fire, theft, or van dalism What’s covered: Hull, motor(s), anchors, sails, and permanently attached equipment. 2. Liability Coverage If your boat causes injury to someone else or damages another vessel or property, liability coverage helps pay for: Repa ir costs Medical bills Legal expenses (if you are sued) This is one of the most important forms of protection for boat owners. 3. Medical Payments Coverage Regardless of who is at fault, this helps pay for medical expenses if you or your passengers are injured while boating. Examples include: Emergency room visits Ambulance services X-rays and basic follow-up care 4. Uninsured/Underinsured Boater Coverage Just like with auto insurance, not everyone on the water carries adequate coverage. This helps protect you if your boat or passengers are injured by someone without insurance or with too little insurance. Additional Coverages You May Want to Consider Depending on your boating lifestyle, you may want extra protection:

Flooding has always been a natural part of weather cycles, but in recent years, the frequency and severity of flood events have increased dramatically. Climate change is reshaping weather patterns, raising sea levels, and contributing to more powerful storms. All of this has made flooding one of the most significant environmental and financial threats facing homeowners today. Understanding how climate change affects flood risks—and what you can do to prepare—can help protect your home, your property, and your peace of mind. How Climate Change Is Increasing Flood Risk Climate change influences weather systems in multiple ways that contribute to flooding: 1. Rising Sea Levels As global temperatures increase, glaciers and ice sheets melt, causing sea levels to rise. Communities along coastlines are now more vulnerable to: Higher storm surge Permanent erosion Coastal flooding during high tides 2. Stronger and More Frequent Storms Warmer ocean temperatures fuel stronger hurricanes and tropical storms that carry more moisture. This means: Hea vier rainfall over short periods Increased flash flooding Greater storm intensity and damage potential 3. Shifts in Seasonal Weather Patterns Some regions are experiencing more extreme rainfall during certain seasons, while others experience prolonged dry spells followed by sudden heavy rain—both of which exacerbate flood risks. Types of Flooding Homeowners May Face Not all flooding looks the same. Climate change is contributing to different forms of flooding in urban and rural environments:

When reviewing your home insurance policy, you’ll often see two major coverage components: dwelling coverage and personal property coverage. While both are designed to protect your home and belongings, they each serve different purposes. Understanding the distinction helps ensure you’re fully protected in the event of damage, theft, or disaster. Below, we break down what each type of coverage includes, how they work, and why both are essential parts of a well-rounded home insurance plan. What Is Dwelling Coverage? Dwelling coverage protects the structure of your home—the physical building itself. This includes the materials and features that make up your house. Dwelling Coverage Typically Includes: The roof Exterior and interior walls Flooring and ceilings Built-in appliances (e.g., water heater, furnace) Attached structures such as: - Garages - Porches - Decks This coverage is designed to help pay for repairs or rebuilding if your home is damaged by covered events such as: Fire Lightning Hail Windstorm Vandalism Certain types of water damage It does not cover: general wear and tear, poor maintenance, or damage caused by excluded hazards like flooding (unless you add separate flood insurance). What Is Personal Property Coverage? Personal property coverage protects your belongings, not the house itself. If you could pick it up and take it when you move, it’s generally covered under personal property insurance. Personal Property Coverage Typically Includes: Furnitu re and décor Clothing and footwear Electronics (TVs, laptops, gaming systems) Kitchen appliances and cookware Tools and lawn equipment Jewelry and collectibles (often with coverage limits unless scheduled separately) This coverage helps reimburse you if your items are damaged or stolen—whether they were inside your home, in your car, or sometimes even while traveling. Personal property claims are often based on either: Actual Cash Value (ACV): depreciated value at the time of loss Replacement C ost Value (RCV): cost to replace the item with a new one Make sure you know which applies to your policy.

No matter how carefully you design, manufacture, or sell your products, there’s always a chance that something can go wrong once it reaches the consumer. A single product defect or customer injury can lead to costly lawsuits that threaten your company’s finances and reputation. That’s where product liability insurance comes in. This type of coverage protects your business from claims related to defective products—helping you stay focused on growth, not legal battles. Whether you run a small retail shop, a manufacturing plant, or an e-commerce business in Texas City, Texas, understanding product liability insurance is essential for long-term success and stability. What Is Product Liability Insurance? Product liability insurance is a type of business insurance that protects companies from financial losses if a product they make, sell, or distribute causes injury or property damage. Even if your business follows every regulation and safety standard, accidents and defects can still occur. This coverage helps you pay for legal defense costs, settlements, and medical expenses related to product-related incidents. Who Needs Product Liability Insurance? Virtually any business involved in the product chain can benefit, including: Manu facturers – design and produce the product. Wholesalers or distributors – move products through supply chains. Retailers – sell products directly to consumers. Online sellers – operate t hrough e-commerce platforms like Amazon, Etsy, or Shopify. If your business touches a product at any point before it reaches the customer, you could be held liable for damages. What Does Product Liability Insurance Cover? 1. Design Defects If a flaw in the product’s design makes it inherently dangerous, product liability insurance helps cover the resulting claims. Example: A toy manufacturer creates a children’s toy with small detachable parts that pose a choking hazard. If a child is injured, the company may face lawsuits for design negligence. 2. Manufacturing Defects Even with strict quality control, mistakes can happen during production. This coverage applies when a product is safely designed but becomes dangerous due to a manufacturing error. Example: A batch of kitchen appliances leaves the factory with faulty wiring, causing electrical fires. The manufacturer’s product liability policy would help cover claims and damages. 3. Marketing and Labeling Errors Sometimes, products cause harm because consumers weren’t adequately warned of risks or given proper usage instructions. This is where failure-to-warn claims come into play. Example: A cleaning product lacks sufficient warning labels about toxic fumes. If a user falls ill, the company could face claims for insufficient labeling or inadequate safety instructions. 4. Property Damage or Bodily Injury Product liability insurance also covers: Medical ex penses if someone is injured by your product. Repair or replacement costs if a defective product damages another person’s property. Legal defense fees and court costs associated with lawsuits. What’s Not Covered While comprehensive, product liability insurance doesn’t cover everything. Exclusions may include: Intentional misconduct or fraud Product recalls (often available as separate coverage) Employee injuries (covered under workers’ compensation) Damage to your own pro ducts Always review your policy closely or consult an insurance professional to understand specific exclusions. Why Product Liability Insurance Is Essential Even one lawsuit can financially cripple a small business. Product liability insurance offers multiple benefits that help protect your operations and reputation. 1. Financial Protection Covers expensive legal fees, settlements, and court judgments that could otherwise drain your business’s resources. 2. Credibility and Trust Having proper coverage shows customers and business partners that you take responsibility for your products, which builds credibility and strengthens relationships. 3. Peace of Mind Running a business involves enough risks already. Knowing you’re protected against unforeseen product-related claims allows you to focus on growth, innovation, and customer satisfaction. 4. Contractual Requirements Many retailers, distributors, and business partners require proof of product liability insurance before doing business with you—especially in industries like manufacturing or food production. Product Liability Insurance in Texas City, Texas Businesses in Texas City, Texas, face unique challenges due to the area’s industrial economy and proximity to Gulf Coast shipping and manufacturing hubs. Whether you’re producing goods, distributing components, or selling retail products locally, the potential for product-related claims is always present. Working with an experienced local insurance agent ensures you get customized coverage that fits your business type, risk level, and regulatory environment. Local professionals understand the Texas legal landscape and can help you navigate compliance requirements while keeping your premiums affordable. How Much Coverage Do You Need? The amount of coverage your business needs depends on several factors: Indus try type and risk level – Medical devices and automotive parts carry higher risk than clothing or candles. Business size and revenue – Larger operations usually need higher limits. Product reach – Nationwide or international distribution increases exposure. Client or partner require ments – Some contracts specify minimum coverage amounts. Most small to mid-sized businesses start with $1 million to $2 million in product liability coverage, but it’s best to consult your insurer for an assessment tailored to your risk profile. Tips for Reducing Product Liability Risk Implem ent strict quality control: Inspect raw materials, test products, and maintain clear production logs. Keep documentation: Save design records, testing data, and customer feedback. Use clear labeling: Provide detailed instructions and safety warnings. Train employees: Ensure all staff understand manufacturing and safety standards. Stay compliant: Follow all local, st ate, and federal safety regulations. Reducing risk not only improves safety but can also lower your insurance premiums over time. The Bottom Line Product liability insurance is more than just another business policy—it’s a critical layer of protection that shields your company from lawsuits, financial losses, and reputational damage. If you own a business in Texas City, Texas, or anywhere in the Gulf Coast region, now is the perfect time to review your coverage and ensure your operations are properly protected. A local insurance expert can help tailor a policy that meets your specific needs and keeps your business resilient, no matter what challenges come your way. At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.

Flooding can strike with little warning—and when it does, the aftermath ca n be devastating. Even a few inches of water can cause thousands of dollars in property damage, and homeowners are often left wondering how they’ll recover. Many assume that government disaster aid will cover the costs, but the truth is, flood insurance and federal assistance work very differently—and they often complement each other rather than overlap. Understanding how these two forms of protection work together can help you make better financial and recovery decisions, especially if you live in a flood-prone coastal area like Texas City, Texas. Understanding Flood Insurance Flood insurance is a specialized policy that provides financial protection against damage caused by flooding—something standard homeowners or renters insurance doesn’t cover. In most cases, flood insurance is purchased through the National Flood Insurance Program (NFIP), which is managed by FEMA. Some private insurers also offer flood policies, but the NFIP remains the most common source for homeowners in flood-risk zones. What Flood Insurance Covers A standard NFIP policy offers two primary types of coverage: 1. Building Property Coverage Covers damage to the physical structure of your home, including: Foundati on, walls, and roof Electrical and plumbing systems Appliances like water heaters, furnaces, and built-in dishwashers Permanently installed carpeting and cabinets 2. Personal Property (Contents) Coverage Covers personal belongings such as: Furniture, cl othing, and electronics Curtains, rugs, and smaller appliances Portable air conditioners and microwaves Note: Flood insurance usually does not cover temporary housing, vehicles, or items stored outside the home. Why Flood Insurance Is So Important Flooding is one of the most common natural disasters in the United States, yet many homeowners are unprepared. Just one inch of floodwater can cause more than $25,000 in damage. If you live near coastal or low-lying areas—like Texas City, Texas—you’re especially vulnerable to hurricanes, tropical storms, and heavy rainfall events that can lead to severe flooding. Flood insurance: Provide s guaranteed coverage regardless of federal disaster declarations Pays claims faster than federal aid (usually within weeks, not months) Offers peace of mind knowing you’re financially protected before disaster strikes How Government Aid Works After a Flood Government disaster aid, typically managed by the Federal Emergency Management Agency (FEMA), becomes available only after a Presidential Disaster Declaration. While this assistance can be helpful, it’s important to understand its limitations: Types of Government Aid 1.Grants: Small am ounts of money to cover temporary housing or emergency repairs. Usually do not exceed a few thousand dollars per household. Do not have to be repaid, but are not designed to restore your home completely. 2.Low-Interest Loans (through the SBA): Offered by the U.S. Small Business Administration (SBA) to homeowners, renters, and businesses. Must be repaid with interest, though rates are typically lower than private loans. Can help cover rebuilding costs, replacing belongings, or repairing property damage. 3.Temporary Housing Assistance: Covers rent or hotel costs if your home is uninhabitable after a disaster. Short-term and limite d in scope. Flood Insurance vs. Federal Aid: Key Differences

When you purchase a homeowners insurance policy, one of the first documents you receive is the Declarations Page—sometimes called the “Dec Page.” This single page (or sometimes a few pages) acts as the summary of your coverage, showing what your policy includes, how much protection you have, and what you’re paying for it. For many homeowners, this document can seem confusing at first glance. But understanding what’s on your declarations page helps ensure you’re properly covered—and not paying for coverage you don’t need. Whether you’re a first-time homeowner or reviewing your policy renewal in Texas City, Texas, this guide will help you make sense of what’s on your home insurance declarations page. What Is a Home Insurance Declarations Page? Your home insurance declarations page is a key part of your policy packet. It provides a high-level overview of your coverage, limits, deductibles, discounts, and endorsements. Think of it as the “snapshot” of your homeowners policy. If you ever need to file a claim or verify what’s covered, this is the first place to look. Why It’s Important to Review Your Declarations Page Many homeowners rarely look at their declarations page after signing up for insurance—but doing so can save you time, stress, and money. Reviewing it ensures that: Your co verage limits match your home’s current replacement value Your name, address, and mortgage details are correct Discounts (like security system or bundle discounts) are applied You understand your deductib les before a claim arises Taking a few minutes to read your declarations page can help you avoid unpleasant surprises when disaster strikes. What You’ll Find on a Home Insurance Declarations Page Your declarations page typically includes the following sections. Each one serves a specific purpose and gives you insight into how your policy works. 1. Policy Information This section outlines the basic details of your policy, including: Policy number Effective and expiration dates Name and address of the insured (that’s you!) Insurance company’s contact information Agent or agency name a nd contact details Tip: Make sure your property address and contact information are correct—especially if you live in a community like Texas City, Texas, where mailing addresses may differ from property locations. 2. Coverage Summary This is the most crucial part of your declarations page. It lists the different types of coverage in your homeowners policy and their respective limits. Here’s what you’ll typically see: Dwel ling Coverage (Coverage A): Protects the structure of your home—walls, roof, and foundation. Other Structures (Coverage B): Covers detached structures like garages, fences, or sheds. Personal Property (Coverage C): Reimburses you for damage or loss of personal belongings such as furniture, clothing, or electronics. Loss of Use (Coverage D): Pays for living expenses if your home becomes uninhabitable due to a covered loss. Personal Liability (Coverage E): Protects you if someone is injured on your property and sues you. Medical Payments to Othe rs (Coverage F): Covers minor medical expenses for guests injured at your home. Each section shows the coverage limit—the maximum amount your insurance will pay for that category. Review these numbers to ensure they’re appropriate for your home’s value and lifestyle. 3. Deductibles Your deductible is the amount you pay out of pocket before your insurance company pays the rest. Common types of homeowners insurance deductibles include: Flat Deductible: A fixed dollar amount (e.g., $1,000). Percentage Deductible: A percentage of your home’s insured value (e.g., 1% of $300,000 = $3,000). Windstor m or Hurricane Deductible: Especially relevant in coastal areas of Texas, this applies specifically to wind or hail damage. If you live in Texas City, Texas, confirm whether your policy includes a separate windstorm deductible, as coastal homeowners often have different requirements. 4. Premium and Discounts This section lists your total annual premium and any discounts that help reduce your costs, such as: Multi -policy discount (bundling home and auto insurance) Security system or smoke alarm discount Claim-free history discount Loyalty or long-term customer discount Pro Tip: If you notice missing discounts, ask your insurance agent about ways to qualify for more savings. 5. Endorsements and Riders Endorsements are optional add-ons that expand or modify your coverage. They’re listed near the bottom of the declarations page. Common examples include: Repla cement cost coverage for personal belongings Water backup coverage for sump pump or drain issues Scheduled personal property for jewelry, art, or collectibles Extended dwelling coverage for rebuilding costs that exceed your base limit If you’ve made major home improvements or purchased valuable new items, it’s a good idea to review your endorsements and update your policy as needed. 6. Mortgagee or Lienholder Information If you have a mortgage, your lender is typically listed on your declarations page. This ensures they’re notified if your policy lapses or if there’s a significant claim. Always double-check that your lender’s information is accurate—especially if you’ve refinanced or changed mortgage companies. How Often Should You Review Your Declarations Page? Experts recommend reviewing your home insurance declarations page: Once a year when your policy renews After major life changes—such as home renovations, new valuables, or a refinance Before hurricane se ason if you live in coastal Texas regions like Texas City, Texas Regular reviews help you confirm your coverage keeps up with inflation, home improvements, and changing insurance regulations. Tips for Understanding and Managing Your Policy Ask questions. Your agent can clarify unfamiliar terms or limits. Bundle smartly. Combine your home, auto, and flood insurance for discounts and convenience. Keep a copy handy. St ore a digital and printed copy of your declarations page for quick reference during emergencies. The Bottom Line Your home insurance declarations page is more than just paperwork—it’s your roadmap to understanding what’s protected and how much coverage you have. By taking time to review it carefully, you can ensure your policy reflects your current needs and offers peace of mind when you need it most. If you live in or near Texas City, Texas, contact a local insurance professional to walk you through your policy details and make sure your home is fully covered before the next storm season. At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746 . Get your free quote today by CLICKING HERE . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.

If you live near the Texas Gulf Coast, you’re no stranger to high winds, tropical storms, and hurricanes . Homeowners in coastal areas like Texas City, Texas, face unique challenges when it comes to protecting their properties. One of the most common questions people ask is whether windstorm insurance can be combined with other types of coverage—like homeowners, flood, or renters insurance—for better protection and easier management. The short answer? Yes, in many cases you can combine or coordinate windstorm insurance with other policies—but it’s important to understand how each type works and what’s covered. Understanding Windstorm Insurance Windstorm insurance provides protection against damage caused by strong winds, hurricanes, hail, and tornadoes. These events can cause extensive damage to roofs, siding, windows, and other structural elements of a home. In Texas, especially along the coast, many standard homeowners insurance policies exclude windstorm and hail coverage. Instead, property owners often need to purchase separate windstorm insurance through private insurers or through the Texas Windstorm Insurance Association (TWIA). Key Features of Windstorm Insurance Covers structural dam age caused by wind, hail, and flying debris Typically includes roof, windows, walls, and foundation repairs May include detached structures like garages or sheds Does not cover flood damage ca used by storm surge or rising water How Windstorm Insurance Works in Texas In coastal regions of Texas, homeowners often get windstorm coverage through TWIA, which is a state-managed program created to ensure residents can obtain insurance when private companies won’t provide it. To qualify for a TWIA policy, your property usually needs to: Be located in an eligi ble coastal county (such as Galveston County, where Texas City, Texas, is located) Meet specific building code requirements for wind resistance Be certified by the Texas Depart ment of Insurance (TDI) Can You Combine Windstorm Insurance with Other Policies? Yes—but not in the way many people expect. Windstorm insurance can be layered or coordinated with other types of coverage to create a more complete protection plan. Here’s how it typically works: 1. Homeowners Insurance + Windstorm Insurance Your homeowners policy covers general perils like fire, theft, and water leaks—but often excludes wind or hail damage if you live near the coast. Adding a windstorm policy ensures your property is protected from hurricane-force winds and other severe weather. Together, they provide a more comprehensive safety net for your home. 2. Windstorm Insurance + Flood Insurance It’s a common misconception that flood damage is covered under windstorm insurance—it’s not. Flood damage is handled through a separate flood insurance policy, typically backed by FEMA’s National Flood Insurance Program (NFIP) or a private insurer. Example: A hurricane hits Texas City, Texas, and your home suffers both roof damage from high winds and flooding from storm surge. You r windstorm policy would cover the roof and structural wind damage. Your floo d policy would cover water damage caused by rising floodwaters. To be fully protected, many coastal homeowners carry both windstorm and flood insurance in addition to their homeowners policy. 3. Renters and Condo Owners If you rent or own a condo near the coast: Renters: You can purchase a renters insurance policy for your personal belongings and add windstorm coverage if required by your lease or property manager. Condo Owners: Your condo association’s master policy may cover exterior wind damage, but you’ll likely need your own unit owner’s policy for interior damage and personal property. Benefits of Combining Coverage When properly coordinated, these policies offer: Compreh ensive protection: Covers wind, flood, and general property damage. Streamlined claims: Easier coordination between insurers when damage comes from multiple sources. Peace of mind: Confidence knowing you’re protected from Texas’s unpredictable weather. Customizable options: You can tailor deductibles and limits to fit your budget and risk level. Important Considerations Before Combining Policies Review y our exclusions: Make sure you know what each policy covers and excludes. Understand deductibles: Windstorm policies often have percentage-based deductibles, especially in hurricane zones. Keep documentation: Maintain proof of property inspections, certifications, and maintenance for claims. Work with a licensed local agent: An experienced insurance professional in Texas City, Texas, can help you compare coverage options, ensure compliance with TWIA requirements, and bundle policies where possible. Check for discounts: Some i nsurers offer multi-policy discounts when you bundle homeowners, auto, or flood insurance. The Bottom Line For homeowners along the Texas Gulf Coast, windstorm insurance is essential, but it shouldn’t stand alone. Combining it with homeowners and flood insurance creates a stronger shield against the financial fallout of hurricanes, tropical storms, and high winds. If you live in or near Texas City, Texas, talk to a local insurance professional about your options. They can help ensure your home and belongings are fully protected—no matter what the next storm season brings. At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746 . Get your free quote today by CLICKING HERE . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.

Life insurance is often seen as a financial safety net, providing peace of mind that loved ones will be cared for in the event of a policyholder’s death. But some life insurance products go a step further by combining protection with an investment component. One of the most flexible and popular options is Indexed Universal Life (IUL) insurance.​IUL policies offer the security of a death benefit along with the potential for cash value growth tied to a stock market index. This m [...]

​Living by the coast offers stunning views, fresh air, and a lifestyle many people dream of. However, owning a coastal property also comes with unique risks—especially from floods caused by hurricanes, storm surges, and rising sea levels. Standard home insurance policies typically do not cover flood damage, which means coastal homeowners need the right flood insurance to safeguard their investment. Why Flood Insurance Is Essential for Coastal Properties1.High Flood Risk i [...]