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Edwards Graham Insurance Del Rio Texas
Edwards Graham Insurance Del Rio Texas
Winter Maintenance
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Winter weather can present unexpected risks to your home. Please take a moment to review this helpful winter home maintenance checklist so you can protect your investment.

  • Check your outlets and all electrical holiday decorations for potential fire hazards such as frayed wires or loose connections. Do not overload the outlet, extension cords or surge protectors.
  • Check and clean your heating system to make sure it is in good working condition for the winter months. This is generally a job best performed by a professional. If you have gas in your home, make sure to check all units for any leaks.
  • Have adequate fuel reserves on hand since fuel carriers might not be able to refuel for several days during severe weather.
  • Close off and lower the temperature in unneeded rooms. Make sure that there is sufficient heat to prevent the freezing of water pipes.
  • Insulate pipes that pass through unheated areas. Your home's crawl space and attic are two such areas.
  • Clean and/or replace your furnace filter before the heating season begins.
  • Clean the clothes dryer exhaust duct and space under the dryer. This prevents lint from accumulating and decreases the risk of fire.
  • Set the heat in your home no lower than 55 degrees.
  • Inspect washing machine hoses periodically and replace hoses that show signs of leaking.
  • If you have live Christmas trees in your home, make sure to check the water level in the tree stand every few days so that the tree doesn’t dry out and present a fire hazard.
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.