RW Insurance

Wishing everyone a relaxing and enjoyable Labor Day weekend! We hope you take some time to recharge and spend it with the people who matter most.

Our office will be closed on Monday, September 7th, in observance of the holiday. We’ll be back and ready to help on Tuesday, September 8th.

Stay safe and enjoy the break!

September is full of moments that show just how far determination and innovation can take us. As a team focused on helping our community stay protected and prepared, we always appreciate the milestones that highlight the power of progress.

Here are three September breakthroughs we’re celebrating:

🫀 September 2, 1952 – The University of Minnesota surgical team completed the first successful open-heart surgery using a hypothermia technique that temporarily stopped blood flow, opening the door to modern heart procedures.

🚀 September 5, 1977 – NASA launched Voyager 1, now the farthest human-made object in space, carrying the Golden Record as a message from Earth to anyone who might find it.

🏗️ September 30, 1935 – Construction began on the Hoover Dam during the Great Depression, ultimately finishing ahead of schedule and becoming one of the most iconic engineering achievements in the country.

These historic milestones remind us how much can be achieved when people push boundaries and stay committed to building a better future—something we strive for every day as we help protect homes, businesses, and families across Texas.

Which of these moments inspires you the most? Share your thoughts in the comments!

With hurricane season already underway, our team wants to share a quick reminder about an important part of storm prep: making sure your insurance coverages are truly ready before a storm forms.

Here are a few key areas worth reviewing right now:

• Hurricane deductibles: Some homeowners policies in certain states apply a hurricane deductible that’s separate from your standard deductible. It’s usually a percentage of your home’s insured value, so it’s important to understand when it applies and what you’d be responsible for.

• Flood and windstorm coverage: Flood damage typically requires separate flood insurance, and damage from unnamed windstorms may not be covered under every policy. A quick review can help you make sure there aren’t any unexpected gaps.

• Filing claims: Before a storm, document the current condition of your home. After the storm, take photos and videos of any damage before cleanup begins, and save receipts for any repair work.

If you’d like help reviewing your coverage or want to explore additional protection this season, our team at RW Insurance Services is here to walk you through your options. Stay safe, Texas.

As families gear up for a new school year and traffic patterns start shifting again, our team wants to share a few simple reminders to help keep everyone safe on the road.

Back-to-school season always brings an increase in morning and afternoon congestion, school zones, and bus traffic. A little extra awareness goes a long way in keeping kids, parents, and drivers protected. We put together a few helpful safety tips for both motorists and families to keep in mind as the first day of school approaches.

By staying alert, slowing down in school zones, and watching closely for young pedestrians, we can all help make this a safer start to the year.

Feel free to pass this along to someone who might find it helpful. And if you ever have questions about protecting your family on the road, our team at RW Insurance Services is always here to help.

Getting your student ready for a new school year is a big job, and insurance is one piece that’s easy to overlook. As students head off to campus, it’s a great time to double-check that their coverage still fits their needs.

From personal property coverage in dorms or apartments to auto and liability considerations, a quick review now can prevent surprises later. A few simple updates can offer peace of mind for you and your student.

If you’d like help going over your current policies or exploring additional options, our team at RW Insurance Services is here to make the process simple. Call us anytime and let us know how we can support you this school year.

Running a business means juggling a lot of responsibilities, and protecting it from the unexpected is one you can’t afford to skip. That’s exactly where commercial umbrella insurance can give you extra peace of mind.

Swipe through to see how this added layer of protection works and when it can make sense for your operation.

If you’d like help figuring out whether a commercial umbrella policy fits your needs, our team at RW Insurance Services is always here to talk it through. Give us a call anytime at (972) 563-6422.

Summer gatherings are right around the corner, and before the grill heats up, it’s a good idea to make sure your home insurance is ready too. Accidents can happen, and the last thing anyone wants is unexpected stress during a celebration.

Here are a few things to think about before hosting this season:
• How well does your current homeowners policy handle guest injuries?
• Are you covered if property damage happens during the event?
• Do you have enough liability protection for larger gatherings?

If you’re planning to host this summer, now is a great time to review your coverage and make sure there are no gaps. Our team at RW Insurance Services is here to help you feel confident and prepared. Give us a call if you’d like to go over your options.

Ever loaned your car to a friend or borrowed someone else’s and wondered how insurance works if there’s an accident? It’s a common question we hear at RW Insurance Services.

In most cases, insurance follows the vehicle — not the driver. That means the owner’s policy typically responds first. But there are exceptions, and the details can get confusing fast.

Our team is always here to help you understand when the vehicle owner’s coverage applies, when the driver’s policy steps in, and whether you have the protection you need.

If you’d like us to review your auto policy or explore additional coverage options, give us a call. We’re here to make insurance easier to navigate for Texas drivers.