Humble Insurance

📚✏️ Back-to-school season is here! 🍎

As a working mom of three girls, I know this time of year brings a mix of emotions! Excitement, nerves, early mornings, packed lunches, and hoping everyone has a great first day.

To all the students starting a new school year: I hope you make new friends, learn something that inspires you, and have the confidence to be exactly who you are.

To all the parents: You’ve got this. Whether you’re sending your little one off for the first time or watching your teenager head back to campus, I hope this school year is filled with growth, joy, and lots of wonderful memories.

Wishing all families a safe, successful, and happy school year! ❤️

Ashley Humble
Humble Insurance

☀️ Summer is the perfect time to shop your insurance rates!

Life changes, rates change, and you could be paying more than you need to. A quick, no-obligation review could help you find better coverage, better pricing, or both.

Let’s make sure you’re protected without overpaying.

📞 Call, text or message me today for a free insurance review! (903) 288-8197

🚨 The Biggest Homeowners Insurance Myth

“My home should be insured for what I paid for it.”

Not necessarily.

Your home’s market value and its rebuilding cost are often very different.

A $450,000 home may only cost $340,000 to rebuild—or it may cost over $600,000 depending on labor costs, materials, local building codes, and debris removal.

Insurance isn’t based on what Zillow says your house is worth.
It’s based on what it would cost to rebuild your home after a total loss.

Being underinsured could leave you paying tens or even hundreds of thousands of dollars out of pocket after a major disaster.

🏡 The best time to review your coverage isn’t after a claim—it’s before one happens.

If you’re not sure whether your home is properly insured, I’d be happy to review your policy and answer your questions.

📞 Humble Insurance
903-288-8197

🚤 Boat season is here! Is your insurance ready?

Whether you’re cruising the lake, pulling the kids on a tube, or spending a relaxing day fishing, your boat deserves the same protection as your home and vehicle.

Many people are surprised to learn that their homeowners insurance typically does NOT provide adequate coverage for their boat. That’s where a dedicated boat insurance policy comes in.

A boat policy can help protect you from things like:
⚓ Accidents and collisions
🌩️ Storm or weather damage
🛥️ Theft and vandalism
⚖️ Liability if someone is injured
💵 Medical payments for covered injuries
🌊 Damage caused by uninsured or underinsured boaters

At Humble Insurance, we’ll shop multiple top-rated insurance companies to help you find the right coverage at a competitive price—so you can spend more time enjoying the water and less time worrying about the unexpected.

📞 Call or text us today at 903-288-8197 for a free, no-obligation boat insurance quote.

Humble Insurance
Protecting what matters most—on land and on the water. 🌊🛥️💙

🇺🇸 Holiday Office Closure 🇺🇸

As we celebrate the birth of our nation, Humble Insurance will be closed on Friday, July 4th in observance of Independence Day.

We hope you enjoy a wonderful holiday filled with family, friends, good food, and spectacular fireworks!

Please celebrate safely and take a moment to remember those who have served and sacrificed for the freedoms we enjoy every day.

If you experience an insurance emergency while we’re closed, you can still contact your insurance carrier directly to report a claim. We will return all calls and messages as soon as we reopen.

❤️🤍💙 From our family to yours, we wish you a happy, safe, and blessed Fourth of July!

— Humble Insurance

🚗 Your Teen Just Got Their License… Now What?

Handing your teenager the keys is a huge milestone; but it’s also one of the biggest changes to your family’s insurance needs.

Did you know?
✔️ Teen drivers are statistically more likely to be involved in an accident due to their lack of driving experience.
✔️ Waiting to add your teen to your policy could leave you with serious coverage issues if an accident occurs.
✔️ The right coverage can help protect your family financially when the unexpected happens.

At Humble Insurance, we’ll help you:
✅ Review your current policy
✅ Explain your coverage options
✅ Find available discounts for good students, driver training, and more
✅ Compare multiple insurance companies to help you find the best value

Adding a teen driver doesn’t have to be overwhelming! We’re here to make the process simple and help you protect what matters most.

📞 Call or text us today at 903-288-8197 for a free policy review and personalized quote.

Humble Insurance
Local. Independent. Here when you need us most. 💙

🚗 Let’s Talk Auto Deductibles: How Do They Actually Work? 🛠️

When you're looking at your auto insurance policy, terms like "deductible," "comprehensive," and "collision" can start to feel like a different language. We are breaking it down to keep it simple!

💡 What is a Deductible?
Your deductible is the amount you agree to pay out-of-pocket before your insurance coverage kicks in to pay for a covered claim.

Example: If you have a $500 deductible and your car needs $2,000 in repairs after an accident, you pay the first $500, and we take care of the remaining $1,500!

⚖️ The Great Tradeoff: Higher vs. Lower Deductibles
Choosing your deductible amount is all about balancing your monthly budget with your peace of mind:

Higher Deductible ($1,000+): Lowers your monthly premium, but means you’ll pay more out-of-pocket if an accident happens.
Lower Deductible ($250–$500): Raises your monthly premium slightly, but keeps your out-of-pocket costs low and manageable during a claim.

🌧️ Collision vs. Comprehensive: What's the Difference?
Your policy actually has two different types of physical damage deductibles, and you can customize the amounts for each:

Collision Deductible: Applies when your vehicle hits another car or an object (like a guardrail or a tree).
Comprehensive Deductible: Applies to "acts of God" or things out of your control—like Texas hail storms, wind damage, theft, vandalism, or hitting an animal.

Ready to find the perfect balance for your budget?

Let’s review your current policy and make sure you have the right protection at the right price.

📞 Call or text Humble Insurance today at (903) 288-8197 for a free, personalized quote!

Humble Insurance is proud to serve all of Texas!

We offer more than just your standard home and auto insurance. Ask us about commercial, business auto, workman’s comp, flood insurance, landlord and more!

Chances are, if you need it insured, we can do it.

Call or text today: (903) 288-8197

🌊 Ready for the Lake? Make Sure Your Boat Is Protected. 🚤

Many boat owners are surprised to learn that their homeowners insurance may provide little to no coverage once you’re out on the water.

A dedicated boat insurance policy can help protect you from:

✅ Accidents and collisions
✅ Damage from storms, hail, fire, or theft
✅ Liability if someone is injured while on your boat
✅ Medical expenses for covered injuries
✅ Uninsured or underinsured boaters

Whether you own a fishing boat, pontoon, bass boat, jet boat, or personal watercraft, having the right coverage can save you from a costly surprise.

Texas boating season is in full swing, and now is a great time to review your coverage and make sure you’re protected before your next trip to the lake.

📞 Call Humble Insurance today for a personalized boat insurance quote.

🌊 DO YOU HAVE FLOOD COVERAGE? 🌊

One of the biggest misconceptions in insurance is that a homeowners policy covers flood damage.

It doesn’t.

A standard homeowners insurance policy excludes damage caused by floodwaters. If water enters your home due to rising water from heavy rain, overflowing creeks, drainage issues, storm surge, or other flood events, your homeowners policy generally will not pay for those damages.

So what is considered a flood?
A flood is generally defined as a temporary condition where two or more acres of normally dry land, or two or more properties, are inundated by water. This can include:
✅ Overflow of inland or tidal waters
✅ Rapid accumulation of surface water
✅ Mudflow
✅ Erosion-related collapse or subsidence along shorelines

What can flood insurance help cover?
✔️ Your home’s structure
✔️ Electrical and plumbing systems
✔️ HVAC systems and water heaters
✔️ Flooring and built-in appliances
✔️ Personal belongings (depending on coverage selected)

What is NOT typically covered?
❌ Vehicles
❌ Landscaping and trees
❌ Swimming pools and hot tubs
❌ Retaining walls and seawalls
❌ Temporary living expenses

Many homeowners are surprised to learn that more than 20% of flood claims come from properties outside of high-risk flood zones.

Flood insurance is available through:
🏠 The National Flood Insurance Program (NFIP)
🏠 Private flood insurance carriers that may offer higher limits and additional coverage options

Don’t wait until a storm is in the forecast to find out you’re uninsured.

📞 Contact Humble Insurance today for a personalized flood insurance review. We’ll help you understand your options and make sure you’re protected when it matters most.

🌧️🏡