Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • You’ve worked hard to earn your lifestyle. Consider adding additional liability protection to your Texas Auto, Home, Renters or Condo policy. Personal Umbrella Liability coverage added to your other policies can protect you, your spouse and any relatives living in your home. Let the staff at Heaton Bennett Insurance show you the value of an … Continue reading Personal Umbrella Insurance

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • 2018 is here, and 2017 is in the rear view mirror.  Last year we saw and experienced many hardships and disasters, but also hand many successes.  We hope 2018 brings you much happiness and success.  2017 was a year in which many entire communities were destroyed by storms and wildfires, 20 million or more people … Continue reading 2017 Was A Tough Year For Many Insurance Companies

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • Many homeowners have experienced premium increases. Our agency works very hard to bring our clients the best possible combination of premiums, coverage and service. What Can We Do To Help? We are an independent agency.  This allows us to search the market for the best possible combination of premiums, coverage and service. We compare insurance … Continue reading Home Insurance Update

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • Cyber risk and cloud computing is a topic that keeps evolving. In a recent study 40% of companies thought they did not need cyber liability insurance. Many thought cyber liability was covered under their business insurance policy. And others thought that if they used the cloud to store client’s information that they had no risk. … Continue reading How Cloud Computing Changes Cyber Risk Exposures

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  •   Our agency is founded and run on the philosophy that client’s needs come first and foremost. We know you hear that a lot, so we wanted to tell you how we carry out our philosophy day to day. This article is the continuation of our series on how to think differently about insurance. Every client … Continue reading Why Review Your Insurance?

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • How To Save On Your Georgetown, TX  Homeowner’s Insurance Homeowner’s insurance typically covers you against fire, theft and other damage to your home and personal property. Georgetown, TX Homeowner’s insurance also covers your liability in case someone gets inured on your property. Everyone likes to save money on their homeowner’s insurance. But many people assume … Continue reading Texas Home In...

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • A 2018 Business Insurance Update Risk management and insurance issues that your local business faces are not that much different from those faced by fortune 500 companies; fortune 500 companies’ risks are just larger and possibly more complex. Making sure that you have the right kind of business insurance for protecting your operations is our … Continue reading

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • A Personal Insurance Update November is here and that means the holiday season has started.  Over the next number of weeks, holiday activities will consume much of our time.  This is also the season when homeowners have insurance claims for fire, burglary, theft from vehicles, and even auto accidents. Now may be the best time … Continue reading How to Minimize Holiday Risks

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • Are you concerned about the future?  Is your risk management program designed and prepared for changes in pricing, economic downturns, healthcare, changes in employment laws and upcoming political elections?  A broker or agent who cares about your business will be on the forefront of change.  Part of providing outstanding customer service is helping clients understand … Continue reading What Is Tr...

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • In the next few days, we will be watching children scramble from house to house in search of the elusive Halloween treat.  However, keeping our kids safe as they are out Halloween night is always a concern.  A little pre-planning can prevent unfortunate accidents that could turn out to be tragic.  Remember, your homeowner’s insurance will cover … Continue reading Halloween Safety

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • A Personal Insurance Update Buying insurance for your home, auto, or business is one of the most important decisions you can make.  Just ask the people of Houston, Texas.  Currently, independent agents are on the ground helping their clients finalize their claims so they can get back to their daily lives. We understand what is … Continue reading Five Reasons an Independent Agent Is Better Than Onl...

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • Many homeowners have experienced premium increases. Our agency works very hard to bring our clients the best possible combination of premiums, coverage, and service.  Homeowners insurance plays an important role in society. It protects your most important financial asset, your home. Remember, each homeowner’s insurance policy is different, and if you bought your homeowners insurance … Continue rea...

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • Business Insurance According to the latest surveys by major insurers, small to medium sized businesses have a number of critical gaps in their insurance coverage. The reasons for gaps vary; not fully understanding how certain coverage applies to their business, buying insurance from a captive agent who can’t provide the coverage, thinking their commercial coverage … Continue reading Texas Business...

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • Things That Will Impact Your Homeowner’s Insurance If you own a home or rent, you need the right kind of homeowner’s insurance.  Homeowner’s insurance is needed to protect yourself, your family, and your property from loss and/or damage.  We can provide you with many homeowner’s or renting insurance options.  Let us do the shopping for … Continue reading Are You Putting Your Homeowner’s Insurance ...

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • A Personal Insurance and Safety update Summertime means more of us are heading to the pool, lake, ocean, or river to relax and have fun.  Unfortunately, these activities can lead to accidents and injury.  Summer also brings increases in heat related illness and teen driving accidents, according to PC260.com. It is also important to have … Continue reading Summer Can Be Risky for Everyone

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • Texas Business Insurance The world is changing, and we understand the issues Texas businesses face every day. There is constant competition for your customers, there are challenges in attracting and retaining top talent, and your cost of goods keeps going up. Part of your planning should include an annual business insurance review. Your business changes, … Continue reading Texas Business Insurance...

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • Fireworks during the Fourth of July are as American as apple-pie, but did you know that two out of five fires reported on that day are started by fireworks, more than for any other cause? So you think it cannot happen to you? Here are a few facts: In 2013 over 9,000 people went to … Continue reading July 4th Safety Tips

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • The majority of home burglaries do not involve violence or the use of a weapon. The average dollar loss from a burglary in the United States is just over $2,000, and there are over 2 million burglaries in the US every year. Your house is more than just an investment, it is a place where … Continue reading Be Smarter Than Burglars

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • A business insurance review Recently, small business owners were surveyed to help identify some of the top risks they faced when growing their businesses1.  Many small business owners are unaware of the new, and increased, risks that come with growth.  For example, many business owners erroneously think that a claim is not covered, so they … Continue reading Insurable Risks Derived From Growing Bu...

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • Personal and business insurance buyers–don’t make these mistakes Everyone who buys insurance often runs into what we call the 7 deadly sins of buying insurance. These apply to both personal insurance and business insurance. Read these to see if you can relate to any of them. Your deductibles are too low. The lower the deductible … Continue reading Don’t Make These Mistakes

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • An Insurance Review March is over and we spent the while month watching 64 college basketball teams play to the final four, then to the championship game.  Congratulations to North Carolina! The entire thing reminded us of some insurance madness. We thought we would share with you our “insurance madness final four.” These can impact … Continue reading March Madness – Insurance Style

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • Combine your business auto, property, and liability into one package. Take a close look at your policy and make sure you have the coverage you need.  There may be coverages you have that you do not need. Look to insurers that offer loss control help. This will help you manage your risk and keep claims … Continue reading Commercial Insurance

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • A Business Insurance Update Your business insurance can respond to many kinds of risks and losses. Protecting your business from loss can mean the difference between having a great year, and having to close your doors. According to the Insurance Information Institute, 30% of businesses that have a fire never re-open. Therefore, it pays to … Continue reading Is Your Business Prepared For A Loss?

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • A Personal Insurance Update Often called the silent killer, carbon monoxide is an odorless gas that can kill.  Carbon monoxide, also known as its molecular form “Carbonous oxide” (CO) can be found in many household items, including stoves and furnaces.  According to the latest information from the National Fire Protection Association, there were over $100,000 … Continue reading Carbon Monoxide Det...

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • There is no question that operating a business comes with certain risks. But there are also many benefits. The range of business threats is evolving rapidly but your organization can thrive and gain a competitive advantage if you know how to manage your risk. Here are a few simple ways to manage risk: Follow insurance … Continue reading Are You Interested In Reducing Your Business Risks?

Apple Insurance Specialists
Apple Insurance Specialists
Blog Post
  • There is no question automobiles give us incredible freedom. Having the ability to go to the store, doctor, or out to eat brings joy to all of us. As we age, it is normal for our driving abilities to change. Few people like the idea of depending on others or relying on public transportation. However, … Continue reading How To Tell Parents It Is Time To Stop Driving

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