Lake Point Insurance Agency

If someone will suffer financially when you die, chances are you need life insurance because it provides cash to your family after your death. This cash, known as the death benefit, replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses and college funding. What’s more, there is no federal income tax on life insurance benefits. You’re Married You’re Married With Kids You’re a Single Parent You’re a Stay-At-Home Parent You Have Grown Children You’re Retired You’re a Small-Business Owner You’re Single GET A QUOTE

Updating your home is easier while it’s still warm, so now is the time to prepare for autumn. Here are a few tips: Declutter your gutters. By simply clearing gutters of debris, you help prevent the formation of ice dams in the months to come, which may cause water to leak into your home. It’s the little things. Simple home maintenance now is the best defence against a big problem later, such as a fire or leakage. Attic and dryer vents, exhaust ducts and sump pumps should be inspected this time of year. Be sure to check the devices that help prevent injury, too, like smoke alarms and carbon monoxide detectors. Don’t let your HVAC wreak havoc. Regularly replacing filters and maintaining adequate ventilation in your heat, ventilation and air conditioning systems will keep your home comfortable as the weather changes. Energy efficiency is the key to saving money as it gets colder. For example: Seal it up. Adding weather stripping to doors and windows helps seal pla...

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you. Insurance for cars, trucks, boats and more! Lake Point Insurance Agency can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us or more information today! Texas — How much auto insurance is right for you? Based in Rockwall — TX,  our team  understands the auto insurance needs of our customers. Auto insurance req...

Today, more Americans are getting their life insurance through their employer rather than purchasing a policy on the individual market, according to LIMRA, an industry market research firm. At the same time, fewer employers are offering life insurance as a benefit. LIMRA research showed 23 percent fewer employers offered life insurance in 2017 compared with 2006. Life insurance is important to protect a family from the loss of income should a household provider pass away. Even if policy proceeds aren’t enough to sustain a family for life, they can offset some initial expenses that otherwise might create a financial burden. For example, immediate expenses like funeral costs, mortgage/rent, car payments, loans and everyday bills. From a longer-term perspective, a healthy payout could pay off a mortgage balance, current/future college expenses, student loans or credit card balances. Life insurance proceeds also can be used to help fund the means for future income, such as helping ...

At  Lake Point Insurance Agency  we use top-rated insurance companies to help protect you and your family from unexpected events. If you need auto, home, umbrella or any other personal insurance coverage, we can tailor a package to fit your individual personal insurance needs Our Personal Insurance Agents are here to help you by answering any questions you may have and to research the best policy for your needs. Our number one priority is to protect your family from any unforeseen event that may affect your family in the future. We strive to build long-term relationships with our clients by providing advice on which Personal Lines plan is best for you and provide the best possible customer service when you have a claim. If you have a loss or claim, it pays to know there is a company you can trust to protect you and your family. Start your  Personal Insurance Quote  Right Now.

Not texting is a start, but there’s more to safe driving Here’s the bad news: Distracted driving causes thousands of accidents every year, many of them fatal. The good news? If you’re driving, it’s 100% preventable. You’ve seen them around your city or town. You may know a few of them. And you might even be one yourself. Distracted drivers come in all shapes and sizes, all makes and models. And even if you’re not one today, you could become one at any moment—in the time it takes you to answer your phone, or check the kids in the back seat. But before you say, “I can talk on my phone and drive just fine,” think about this: According to the National Highway Traffic Safety Administration and U.S. Department of Transportation, in 2016 nearly 400,000 people were injured in crashes caused by distracted drivers—and in 2015, more than 3,400 were killed. It’s not just about texting, either. Although that is perhaps the most dangerous distraction, there are many others that can...

With all kinds of different coverages for all kinds of different needs, insurance can be very confusing. And to make it even more challenging, at times it probably seems like insurance websites and policy documents are written in a completely foreign language. Of course, that’s why we recommend working with an independent agent—someone who is on your side during the process and who can explain everything you need to know. Even if you do work with an independent agent, however, it’s good to have a little basic knowledge about insurance. Below are definitions for some common terms that will help you understand your coverage a little better. General insurance terms Actual cash value:  This type of coverage pays according to what an item was worth at the time it was damaged—it takes depreciation and wear and tear into account. For example, if you could have sold your couch for about $200 just before it was damaged, that’s the actual cash value, even if a similar new couch...

The team behind  Lake Point Insurance Agency  is made up of qualified insurance professionals who are passionate about helping individuals and families achieve their financial goals. Our Mission is to give our customers peace of mind in knowing we are here to service and Protect their homes, autos, commercial, life, and health needs. We are your Trusted Insurance agency. Why Choose Lake Point Insurance Agency Saving money is a vital concern for nearly everyone in these difficult times. Because of this, it is important that you find the best possible rate for your auto and homeowners insurance policy. Luckily, it is much easier to find a great rate for insurance now than ever before. In the past, you were pretty much stuck accepting whatever type of insurance your agent could find for you. Then, around ten years ago, nearly every insurance company started offering their product online. Soon after, people started feeling as though they were insurance experts and ha...

Companies are constantly trying to find new ways to reduce their expenses and generate revenue each year; some in quite innovative ways. The insurance industry is no different. On the health insurance side, one example is companies’ entrance into the wellness arena. By teaching members to make healthier choices and engage in healthier behaviors, and even providing helpful tools and resources, insurance companies can reduce the number of claims they receive. This is helpful for both the insurer and the consumer because health care premiums seem to be on the rise every year — particularly in the individual market. In light of new incentives in the insurance industry, it’s a good idea to have a periodic comprehensive insurance review. There are always new products entering the market, many offering incentives that could lower your current rates, or sometimes the opportunity to combine coverage needs so that you don’t overpay. If you’re interested in learning more,  please gi...

If someone will suffer financially when you die, chances are you need life insurance because it provides cash to your family after your death. This cash, known as the death benefit, replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses and college funding. What’s more, there is no federal income tax on life insurance benefits. You’re Married You’re Married With Kids You’re a Single Parent You’re a Stay-At-Home Parent You Have Grown Children You’re Retired You’re a Small-Business Owner You’re Single GET A QUOTE

The growing cost of medical services and health insurance in the United States is a problem that is not isolated to a single demographic. Many people are impacted. The latest surveys of American businesses report that health insurance and benefits are one of their greatest expenses, second only to employee payroll. Companies used to subsidize a greater share of the cost of insurance, but now employees – especially those with families – bear a far greater burden than ever before. As a result, households are paying more in out-of-pocket costs for health care whether they have employer-sponsored coverage or buy it on the individual market. If health care expenses are increasingly taking up a larger portion of your household budget, we may be able to help. There are various types of insurance products and tax-advantaged savings accounts that can help defray out-of-pocket spending. It’s also worth consulting with a tax professional to assess how you may be able to deduct medical e...

The first step in protecting your business is having the right insurance. Learn more about different coverages, how they work, and how they can help protect your small business. Severe weather, fire, and other threats can damage your property and disrupt operations. Understand key property risks and how you can better protect your facilities and business Lake Point Insurance Agency has markets for your business needs no matter how small or large your company is. We will work with you to determine exactly what coverage best fits your needs. Business in the home coverage Craftsmen and contractors Service providers Food establishments Retail operations We provide building coverage, business property, bonds, and business auto coverage. Liability including premises, products, and general. Workers Compensation protection Lake Point Insurance Agency is ready to review your current plan and help you fill in the gaps. Starting a business for the first time… no worries, ...