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Edwards Graham Insurance Del Rio Texas
Del Rio Vacation
Vacation Checklist
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Please take a moment to review this helpful vacation checklist before you pack your bags.

  • Make sure all electrical appliances are turned off.
  • Clean the refrigerator of all perishable foods and take out the garbage.
  • Lock all windows and doors.
  • Call and have the newspaper and mail held until your return or have them picked up by a trusted neighbor.
  • Arrange to have your lawn maintained while you're away if you are going to be gone for an extended period of time.
  • Let a trusted neighbor know you will be away and have them keep an eye on your home for you. It's a good idea to leave your vacation address and telephone number with a neighbor so you can be reached in case of an emergency.
  • Never leave your house key hidden outside your home.
  • Set timers on interior lights.
  • Make sure to unplug televisions, computers and appliances that are susceptible to lightning and power surges.
  • Notify your alarm company if you will be gone for an extended vacation.
  • Store jewelry and valuable papers in a safe deposit box.
  • Arrange for the care of pets.
  • Set the heating system to provide minimum heat of 55 degrees during the winter or your air conditioning system to maximum cooling of 80 degrees during the summer.
Are Your Insurance Limits High Enough? by Rachel Beavan

You may have seen a recent tv commercial showing a young man and his parents in a courtroom. They have just found out that they have to pay for a lawsuit settlement that exceeds their insurance limits. Can this really happen? You bet! There is another tv commercial where an attorney is telling you that if you are on a jury, you cannot base a judgment against someone on their insurance limits. This is a bit more confusing, but what he is telling you is that if you are sued for an auto accident, a jury will determine how much you owe the other party without knowing what your insurance limits are. There is a good chance they could decide that you owe more than your insurance limits. If that happens, where does the money come from? It could come from your savings, college funds or your IRA. You could be forced to sell some of your assets. Your wages could be garnished. The answer is…the extra money comes from you. In a turbulent economy, most people only think about how much their insurance will cost them. If your insurance agent is doing his job, he or she will give you options in coverage limits based on your individual situation. What do you have to lose if you are the one in that court room facing that jury? How do you know what your insurance limits are? Look on your policy. Texas requires minimum auto insurance limits of $25,000 per person for bodily injury up to $50,000 per accident, regardless of the number of people in the car. If you cause an accident, and the other party requires surgery, how far will $25,000 take you? If the operation is $50,000, your insurance company will only pay the top limit of $25,000. Are you financially prepared to pay for the rest? Wouldn’t you rather spend that $25,000 on something for your family? How do you know what insurance limits are right for you? Your agent should be talking to you about this. Here’s where to start…make a list of all of your assets. This includes your home, your cars, your checking and savings accounts. Then consider your household income. How much do you need to protect? That will give you an idea of what insurance limits are right for you. Then talk to your agent before you end up in the courtroom.