Cheri Roman – Roman Agency, Inc. – Allstate
Car, Home, Life, Landlord, Renters, Motorcycles, Boats, Motorhomes, and Commercial Insurance
Condo owners are sometimes confused about condo insurance because they do not know what is covered by their own policy and what is covered by the condo association’s insurance policy. To put it simply, the condo association buys insurance to cover the building and common areas, whereas condo owners buy insurance to protect the property [...]
Texas has more hail storms than any other state, with 40% of all homeowner insurance claims related to hail damage. Hail can damage all types of property, but the most common hail claim involves roofs. What should you do if you suspect your roof has been damaged by hail? 1. Before filing a claim with [...]
20% of auto accidents occur in parking lots. Even though parking lot accidents typically occur at slow speeds and do not usually result in serious damage or injury, they can increase auto insurance rates, even if you were not 100% responsible for the accident. In Texas, if your insurance company determines that you were even [...]
According to the National Association of Insurance Commissioners, 33% of heads of households in the United States falsely believe that a homeowner or renter’s insurance policy covers flooding. For that reason, it’s estimated that only 18% of Americans have flood insurance, even though floods are the most common natural disaster in the United States. In [...]
Many small business owners falsely believe commercial auto insurance is only for large companies with a fleet of vehicles. The truth is that commercial auto insurance can be appropriate and cost effective for small businesses as well, with only one or two vehicles. Why do businesses need commercial auto insurance? Personal auto insurance is designed [...]
When you get into a car accident, it’s important that you and the other drivers in your household know what to do. In this blog, I discuss the steps to take after an auto accident. 1. Remain calm! If you panic, you will not remember to get all the the information you need to file [...]
When an Insurance company detects that a 16 year old is living in a policyholder’s household, the company will typically send out a notice informing the owner that the child will be added to the auto policy on a specific date. Many people get upset when they receive this notice, especially if the child still [...]
A personal umbrella policy or “PUP” is a type of insurance that provides liability coverage over and beyond your automobile or homeowner’s liability limits. What if the liability coverage on your auto or homeowner policy isn’t enough to cover the damages of an accident you cause or an injury on your property? If you have [...]
Certain auto insurance rating factors are out of your control such as your age and gender, but the good news is that that there are critical rating factors within your control that can lower your auto insurance rates. In this blog, I discuss 8 tips to lower your auto insurance rates. 1. Consider raising your [...]
At least once a week I am asked the following question by phone or e-mail: Will my auto policy cover me if a I rent a car? With the insurance company I represent, the answer is “yes,” but this is not true with all auto policies. There are some insurance companies that do not extend [...]
Condo Insurance Austin TX Explained
Hail Damage to Roof and Home Insurance Austin TX
Parking Lot Accidents and Car Insurance Austin
Flood Insurance Austin TX
Commercial Auto Insurance Austin
Auto Accidents and Car Insurance Austin
Teenage Drivers and Car Insurance Austin
Auto Insurance Deductibles explained by Cheri Roman
Explanation of Uninsured and Underinsured Motorist Coverage Car Insurance
Auto Insurance Liability Explained
Minimum Liability Coverage in TX by Cheri Roman
Comprehensive and collision Austin auto insurance explained by Cheri Roman
No such thing as Full Auto Insurance Coverage by Cheri Roman
Rental Car Reimbursement Coverage on Auto Insurance Policies
