Five Things You Should Know About Home Insurance

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You are in the market to buy a new home. This is your first home, and you have no idea what you are doing, but you know you need home insurance. Keep reading to find five things you should know about home insurance.

Do your research before you buy

One of the most important things you should do is research the available home insurance options. The cost of home insurance varies between insurance companies. Researching the options can save you a lot of money.

Not everything is covered by home insurance.

Most people who buy home insurance think they are covered for anything that happens. Unfortunately, there are some things that most home insurance policies won’t cover. Some of the things that typically aren’t covered include:

  • Regular wear and tear
  • Flooding
  • Mold
  • Earthquakes
  • Pests

If you want protection from flooding and earthquakes, you must get separate insurance covering those.

Basic coverage options available

A few basic coverage options are similar across most insurance companies. These coverage options include:

  • Dwelling coverage
  • Other structures coverage
  • Bodily injury liability
  • Property damage liability
  • Personal belongings coverage
  • Loss of use coverage

Check with your insurance company to see what types of home insurance coverage are offered just to be sure.

Actual cash value vs. replacement cost

It is important to know what each of these terms means because they are very different from each other. The actual cash value is the amount it would take to repair or rebuild your home after depreciation. The replacement cost is how much it would take to rebuild your home without considering depreciation.

Some insurance companies have discounts.

Every insurance company is different in what they have available for discounts. It is essential to check with your insurance company to find out what discounts they might have available. You might be able to save a little bit.

Contact Barry Insurance Group

If you are in the market for home insurance, stop by or contact us at Barry Insurance Group in Pearland, TX.

What Are The Advantages of Having A Control Of Well Insurance?

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As a business owner in Pearland, TX you understand the significance of asset protection. Unexpected incidents can occur during oil and gas well operations, resulting in severe financial losses. 

Control of well insurance is meant to safeguard your organization against unforeseen incidents that may occur during oil and gas well operations. It covers expenditures connected with recovering control of a well, such as drilling a relief well, cleaning up pollution, and repairing property damage.

If you own or operate an oil and gas plant in the region, it is imperative to reach out to us at Barry Insurance Group to safeguard your firm from potential financial losses.

Advantages of this coverage include:

Financial Security

This provides your firm with financial protection in case of an unforeseen mishap during oil and gas well operations. This coverage covers the expenditures associated with recovering control of a well, such as drilling a relief well and repairing property damage.

Observance of Regulations

Operations at oil and gas wells are subject to stringent rules. Frequently, the law requires good insurance oversight to ensure compliance with these standards. This ensures that your company complies with all applicable rules.

Calmness of Mind

Unexpected accidents and financial losses can cause a tremendous deal of stress and concern for business owners. The knowledge that your business is protected in the case of an unforeseen mishap during oil and gas well operations provides a piece of mind.

Reach Out To Us!

Control of well insurance is crucial for every business in Pearland, TX that owns or operates oil and gas wells. It gives financial security, assures regulatory compliance, and delivers a piece of mind. Call Barry Insurance Group to understand how we can assist you in protecting your company with control of good insurance.

Tips to prepare your home for a storm

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When a storm is on the horizon in the Pearland, TX area, it’s important to take the necessary steps to prepare your home. Barry Insurance Group, serving the area residents with their flood insurance needs, is here to assist. 

Here are some tips to help you get started:

1. Check your windows and doors for cracks or damage, and make sure they’re securely shut. It’s also a good idea to have a plan in place in case you need to quickly shut them during the storm.

2. Clean out any debris from rain gutters and downspouts, as clogs can cause water damage. Make sure all exterior drains are functioning properly as well.

3. Inspect your roof for any missing or damaged shingles, and if there is any damage make sure it is repaired before the storm hits.

4. Trim branches that may fall on your roof or property during the storm and remove any fallen trees or limbs from around your house and yard before the storm arrives. 

5. Unplug electronic items that aren’t being used as these can be damaged by power surges caused by storms. If you have an attic fan, make sure it’s disconnected too in order to prevent it from blowing off during high winds associated with storms. 

6. Store patio furniture, grills, and other outdoor items away in a safe location like a garage or shed so they don’t get blown away by high winds or heavy rains associated with storms. 

7. Make sure you have plenty of flashlights, candles, and batteries as power outages are common during storms – having light available will ensure safety while navigating around your home in low visibility conditions due to darkness or inclement weather outside of it! 

Get The Right Coverage For Your Needs

For more tips and to get flood insurance for your best protection, give us at the Barry Insurance Group a call today. We proudly serve the Pearland, TX area.

Why should people in Texas invest in health insurance?

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In the Pearland, TX area, there are many important forms of insurance that the average person needs to have. When you are looking to get any type of insurance, a quality health insurance policy should be at the top of your list of necessities. There are various important reasons people in this part of Texas need to get a quality health policy.

Why Health Insurance?

Coverage for Health Events

The most important reason that people will want to have a health plan when in this part of Texas is so they can have coverage for health events. If you have been in an accident, become ill, or have any other type of medical issue, the cost of medical attention, procedures, and medication can be significant. With insurance, you will be financially prepared for these situations. This can greatly reduce your personal out-of-pocket costs in these situations. 

Requirement to Have Coverage

It is also a good idea to get health coverage as it could be a requirement. For the past several years, all individuals have been required to have some level of health coverage for both themselves and their dependents. At the end of the year, when taxes are filed, if you are not able to provide necessary evidence of coverage, you could face penalization and other challenges.

Give Us A Call

If you do live in the Pearland, TX area, you will likely know how important it is that you carry health insurance. As you are looking for coverage here, calling the Barry Insurance Group would be helpful. The Barry Insurance Group excels at helping people properly evaluate all of their personal insurance needs, including health coverage. Their support will help ensure you are able to select a policy that is right for you and your dependents. 

Three things that might surprise you about commercial insurance

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Purchasing commercial insurance now could make a big difference for your company down the road. That’s why our professionals here at Barry Insurance Group are here to help you insure your commercial operation in Pearland, TX.

The following are three things that might surprise you about commercial insurance:

Certain types of commercial insurance are required by law

Some business owners assume that insuring their company is always optional. This is not true. Commercial insurance is a legal requirement in a wide variety of situations.

You need to research on the regulations in your municipality and the operational details of your commercial operations before assuming that you’re not required to carry insurance for your business. 

Commercial insurance is a business expense that can be written off on company tax returns

It can actually be financially advantageous to pay commercial insurance premiums if you are looking for expense write-offs for your company. Commercial insurance premiums are a business expense and can be written off as such whenever you file the tax return for your company. 

Commercial insurance policies aren’t standardized

A lot of types of insurance policies such as auto insurance are fairly standardized and offer similar coverage details among different policyholders. However, commercial insurance is not like this.

Commercial insurance policies vary widely among the different companies that hold these policies. That’s why it’s so important to explore the options and work with your insurance provider to devise a policy that’s just right for your company’s needs. 

Get Commercial Coverage Today

You need to get a quote on a policy if you are in the market for commercial insurance in Pearland, TX. At Barry Insurance Group, we can help you get the policy that’s just right for your company. Call us or visit our office for a commercial insurance policy quote. 

Stay Protected With Home Insurance

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It’s great to own your own home, but it does come with a number of risks. There is a wide range of dangers out there that can affect your belongings, including your home and everything in it. To be well-protected against many of them, there is home insurance. It’s important to always be protected with home insurance for as long as you are a homeowner. Never go a day without it.

To get your home insurance policy, call us at Barry Insurance Group in Pearland, TX.

Keep Your Home Protected

When you have a home insurance policy, it covers your home for a number of damaging events that can happen to a home. When damage is caused by something like a calamity or many types of natural disasters, your home policy can pay for the repairs. It can even pay to have your home rebuilt if it is destroyed by a covered incident. These policies are incredibly valuable because of the high cost of repairs. Both building materials and labor costs have been going up, and you need home insurance to make sure you’re protected against them just in case. 

Protect Your Belongings

Just like your home, a lot can happen to your belongings that are inside it. When an event occurs that causes damage to your belongings, your home policy can pay for them to be replaced. Your home insurance includes a significant amount of coverage that is enough for everything to be replaced. This can be tens of thousands of coverage or more. Make sure you always have this coverage because of the high cost of replacing everything. 

Get Your Home and Belongings Protected

With multiple ways to keep you protected, home insurance is a must-have type of protection. To get yours, call us at Barry Insurance Group in Pearland, TX.

Protect your Oil and Gas firm from well blowouts with a control of well policy

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Barry Insurance Group understands the Oil and Gas industry and is here to help well owners in the greater Pearland, TX area protect their well assets and interests. If you require a control of well policy, we are here to help!

Protect your firm from well blowouts

Owning and operating oil wells comes with a high level of operational risks. Well blowouts are an unfortunate part of doing business and can be financially crippling if a firm or owner doesn’t have adequate insurance protection in place.  

With an appropriate policy, firms can receive coverage for well blowouts and many of the expenses that come with such an event. There are policies available that provide protection from blowouts with clean-up and repairs being two of the most commonly covered situations. 

The oil industry experiences a lot of cyclical movement, and having the right protection in place can help keep your wells operational as often as possible. Without a control of well policy in place, a well blowout could be a catastrophic event that causes irreparable financial damage. 

Now is an ideal time to review your current insurance coverage and determine if more is necessary. Oil and gas firms can benefit from having robust insurance.

A control of well policy can help reduce your firm’s operational risk level

Oil and gas firms and well owners in the Pearland, TX area can turn to the team at Barry Insurance Group for all of their insurance needs. Oil blowouts can be a part of doing business in the oil and gas industry, and having the right policy in place can help protect your financial investments. Give us a call or stop by our office today to find out more.

Three things to do before purchasing flood insurance

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Many homeowners need to invest in flood insurance to protect themselves financially against disasters that could severely damage their homes. At Barry Insurance Group in Pearland, TX., we offer flood insurance coverage to homeowners. 

The following are three things that homeowners should do before they select a flood insurance policy:

Gauge flood risk

It’s important to be aware of the flood risk of the area in which your home is located. If you are in an area that is designated as a flood zone, you should know which flood zone designation your area has been given.

Your flood zone designation will impact the costs of flood insurance in your area, so it’s important to know if your area has been declared a high, moderate, low, or undetermined risk flood zone. 

Understand flood insurance requirements

You might be required to carry flood insurance by your mortgage provider. If this is the case, you should find out how much flood insurance you are required to carry.

Remember that flood insurance is not usually included in home insurance policies and generally must be purchased separately. 

Research government programs that help you get flood insurance

You definitely need to look into FEMA-subsidized flood insurance if you are in a high-risk area. FEMA manages the National Flood Insurance Program (NFIP), which is available to homeowners living in any of the 23,000 communities that participate in the program in the US. 

While NFIP insurance may be less expensive than private insurance for some homeowners, this isn’t the case in every situation. That’s why homeowners need to do their research and get quotes on numerous policy options. 

Give Us A Call

If you have questions about flood insurance, get in touch with us at Barry Insurance Group in Pearland, TX. We can assist you in protecting yourself financially with an appropriate flood insurance policy. 

What Are The Benefits Of Having Health Insurance?

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Health insurance is something that is vital for everyone. It can be a lifesaver in times of emergency, and it can help you get the medical care that you need when you need it. Barry Insurance Group in Pearland, TX can help you navigate this important coverage.

These are some of the benefits of having health insurance:

1. Health Insurance Can Help You Pay for Unexpected Medical Bills

If you are ever faced with an unexpected medical bill, health insurance can help you pay for it. This is one of the most important benefits of having health insurance. Unexpected medical bills can be a financial burden and cause a lot of stress. With health insurance, you’ll have peace of mind knowing that you can get the care you need in Pearland TX, without having to worry about how you will pay for it.

2. To Safeguard Your Family’s Health

Your family is your life. You want to do everything you can to protect them. Having health insurance is one of the best ways to safeguard your family’s health. If something happens and your family member needs medical care, you’ll be able to get it for them without having to worry about how you will pay for it.

3. To Fight Lifestyle Diseases

Lifestyle diseases result from poor diet and lifestyle choices, such as obesity, heart disease, stroke, and diabetes. These diseases are expensive to treat and often require lifelong care. Having health insurance can help you afford the treatment you need to manage your condition.

4. To Protect Your Savings

Medical bills can be very expensive, and if you don’t have health insurance, you may have to pay for them all out of pocket. This can quickly deplete your savings and leave you in a difficult financial situation. Having health insurance from Barry Insurance Group can help you protect your savings and keep your finances healthy.

Give Us A Call

These are just a few of the benefits of having health insurance. If you don’t have health insurance, we encourage you to consider getting it. It can be a lifesaver in times of need and help you afford the care you need to stay healthy. Barry Insurance Group in Pearland, TX specializes in health Insurance plans for individuals, families, and businesses as well as other insurance coverages. Contact us today to learn more.

3 Beautiful Memorial Traditions from Around the World

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Cultures from all over the world have a rich tradition of memorials for their departed loved ones. These traditions can vary significantly from country to country. In some cases, these practices are as ancient as human civilization itself. Please enjoy these memorial traditions on behalf of Barry Insurance Group in Pearland, TX. Remember, we offer life insurance coverage to protect your family and their future to increase your peace of mind. 

Memorial Traditions Around The World

The Fantasy Coffins of Ghana

Ghana is a gorgeous country on the west coast of Africa. Among the complex cultural traditions, one unique custom is fantasy coffins. These are coffins with carved images and designs meant to reflect the personalities and passions of the deceased. Examples include coffins shaped like sunglasses, soda bottles, and even a hot air balloon.

South Korea’s Burial Beads

South Koreans developed a unique way to commemorate their loved ones’ cremains: having them made into beads. Due to a law that requires families to dig up the dead after 60 years to make room for the newly deceased, many families have switched to cremation. Instead of opting for an urn, they have the ashes blown into glass beads that hang up somewhere special in the home.

The Mexican Day of the Dead

The concept of the Day of the Dead is ancient. It was likely brought to Mexico by the Aztecs. It is a day when Mexican people celebrate the spirit of the dead. Families decorate their streets and houses with flowers, candles, and photos of deceased loved ones. Each family has a special place where the decorations represent the dead members.

Take Care of Your Family Today

Various cultures throughout the world have different customs when it comes to how they honor the dead. No matter how you want your life to be remembered, it’s essential to ensure your loved ones are taken care of when you’re gone. Barry Insurance Group can help you find the right life insurance policy in the greater Pearland, TX area. Please reach out to us today.

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