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Protecting Your Business in a Digital Age: The Importance of Cyber Insurance We’re living in a new age where cyber security is becoming more of a threat than ever. There is insurance that you can purchase that would help protect your business or organization from a cyber-attack. Most of the time, it’s called cyber insurance…

What is a Dec Page? Here at Hanby, we understand most people don’t deal in the insurance space every day like we do. In the current insurance marketplace, with rates skyrocketing, there is a lot of confusion about “apples-to-apples” insurance quotes.  When shopping for insurance, most people use the declarations page, often called a Dec…

Flood Insurance Myths Earlier this summer, we had a lot of rain in North Texas. We even broke some records because of the rainfall we had! With all of the rain, there comes issues that are out of the norm for our area. Flooding is a big concern and it is not covered under your…

Roommates and Insurance Policies Our blog is all about answering questions. So, when we get questions more than once, we like to write a blog about them. Generally, the public is concerned about these things. One thing we don’t get many questions about but often comes up in conversation is regarding roommates and homeowners or…

When to Add Someone to Your Auto Insurance “When should I add someone to my auto insurance?” This question comes up often, and here’s the answer: Anyone who lives within your household should listed as a driver on your auto insurance – even if they have their own auto insurance. You either need to have…

Wind and Hail Deductible Increases Today I want to talk about increasing homeowner’s insurance deductibles, specifically wind and hail deductibles. North Texas, is notorious for wind and hailstorms. In fact, most homeowners insurance claims in Texas are related to wind and hail. The average age of a roof in the North Texas area is 8…

Welcoming Jeremy Neill I’m excited to introduce our new Vice President of Commercial Lines! Most of our commercial clients are used to dealing with Candace and Tammie, who do a phenomenal job . However, because of their success, our commercial department is growing! A couple months ago, my husband, Jeremy Neill, joined the agency as…

Importance of Rental Car Insurance I want to tell you about the importance of taking out the insurance on your rental car, from the rental car company. Most people don’t think anything will happen when they rent a car, so they don’t want to pay for the additional insurance. But last month, when my husband…

Dogs and Homeowners Insurance Did you know that if you have a certain breed of dog, it might be harder for you to get insurance on your house? Many insurance carriers exclude dogs that are considered to be aggressive breeds, such as American Staffordshire Terrier, Pit Bulls, Rottweiler, Chow, Doberman Pinschers and Wolf Hybrids. When…

How Your Credit Impacts Insurance Most people know that insurance carriers use credit as an underwriting factor, but they’re not really sure why we use credit or what credit has to do with insurance. Why Do They Need My Credit Score? Insurance actuaries began looking at credit based insurance scores as a rating factor for…

The Holiday’s and Home Insurance Claims During the holiday season, we see an uptick in home claims. This is typically attributed to a couple things – one of them being Christmas decorations. Real Christmas Trees If you have a real Christmas tree in your house, you want to make sure you keep it watered and…

Oh No! A Grinch Stole My Christmas Packages! At Hanby Insurance, we’re so excited about the upcoming holiday season! However, we want to make you aware of a few things that increase regarding insurance claims around the holidays. Car Break-ins Around the Holidays One big insurance claim we hear about a lot is car break-ins.…