What’s the difference between homeowners and dwelling policy? Generally speaking, dwelling policies are less comprehensive than homeowners policies. Homeowners insurance policies are sold as a package that can include coverage for property, liability, contents, theft and water backup coverage. Dwelling policies…
Memorial Day is a time for friends and families to get together to REMEMBER those who have died serving in our armed forces. It is also the holiday that ushers in the summer. Here are some Memorial Day facts and…
I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property…
We are feeling thankful today that all reports indicate no life was lost as a result of the terrible storms in New Orleans yesterday. Property can be replaced. Homes can be rebuilt. If you had property damaged as a result…
I was recently asked this question by one of our Garcia Insurance Services clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one of…
Why do my auto insurance rates keep going up even though my car is getting older? At Garcia Insurance Services, many of our clients ask this question so I would like to address it from a couple of angles. First…
Flooding is a dangerous situation. As South Louisiana recovers from such a catastrophic flooding event, here are some safety tips that we all should keep in mind: Tune into local alerts to get information about your area, what areas are…
As insurance professionals, we are often asked for tips and tricks to keep the cost of insurance premiums low. While there is no sure way to guarantee a specific price, there are ways you can reduce your insurance premium to…
Here are Garcia insurance, we like to be prepared for all types of situations including hurricanes. Recently, we posted a blog with our staff’s favorite and most helpful tips to prepare for a hurricane and now we are sharing the…