Jewelry Insurance: Why Your Homeowners Policy May Not Be Enough

A sparkling diamond halo ring sits on a light teal box below a blue banner that reads, "Protect Your Valuables."

Jewelry often carries more than just financial value. It holds sentimental meaning, family history, and once-in-a-lifetime memories. Engagement rings, heirloom necklaces, luxury watches, anniversary gifts… these pieces are irreplaceable in more ways than one. Many homeowners assume their jewelry is…

Safety Tips for Driving on Ice in Texas

Safety Tips For Driving On Ice In Texas

Why Driving on Ice Is So Dangerous in Texas Texans are used to heatwaves, road construction, and even hailstorms—but ice is another story. A thin sheet of freezing rain can turn Highway 75 into a skating rink and side streets…

Ice Storms: How Much Do They Cost Insurance Each Year in Texas?

Learn how much Texas ice storms cost insurers each year and what homeowners and drivers in Plano, McKinney, and Dallas Fort Worth suburbs should know.

Texas Ice Storms: More Expensive Than You Think Most Texans brace for scorching summers and sudden thunderstorms, but in recent years, ice storms have proven just as destructive—if not more so. For insurance companies, homeowners, and drivers across the Dallas…

Lithium Battery Safety: Protect Your Home, Devices & Loved Ones

Lithium Battery Safety

Lithium-ion batteries are everywhere from the phones in our pockets to electric bikes, power tools, laptops, and portable power banks. Their compact size and high energy capacity make modern life more convenient, but they also bring safety risks if handled…

How to Safely Store Hazardous Materials in Your Home or Shed

Safely Store Hazardous Material In Your Home Or Shed

Hazardous materials are more common than most of us think. A half-used can of paint. Weed killer. The spare propane cylinder for the grill. Gasoline for the mower. Bleach under the sink. Stored wrong, these everyday items can create real…

Can My Credit Rating Influence My Insurance Rates?

colorful living room

I was recently asked this question by one of our The Sterling Insurance Group clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one…

How Does a Commercial General Liability Policy Determine Price?

How Does a Commercial General Liability Policy Determine Price?

If you run a small business in Plano, McKinney, Allen, or anywhere across the northern Dallas suburbs, you’ve probably been told you need a Commercial General Liability (CGL) policy. Most business owners know it’s essential, but far fewer understand how…