Introduction When it comes to purchasing insurance, individuals and businesses often have two main options: independent insurance agencies, such as Actsphere Insurance Group, and captive insurance agencies which are insurance agencies that sell only one insurance agency’s product. Both have their merits, but there are distinct advantages to choosing an independent agency. In this blog post, we’ll explore the benefits of working with an independent insurance agency like Actsphere and why it might be the right choice for you. Choice and Customization One of the primary advantages of an indepen ..read more

Introduction Insurance is a financial safety net that provides peace of mind, protecting us from unexpected and costly events. However, one common frustration among policyholders is the increase in insurance premiums, even if they haven’t made any claims. This phenomenon may seem counterintuitive and unfair, but there are several reasons behind it. In this blog post, Actsphere Insurance Group will explore the factors that contribute to rising insurance premiums, even for those who have a clean claims history. Industry-Wide Trends Insurance is a complex and highly regulated industry that cons ..read more

Starting and running a business a business in Texas is a rewarding endeavor, but it comes with its share of risks. Whether you own a small startup or manage a large corporation, safeguarding your business from potential threats is paramount. This is where commercial insurance solutions step in as your essential shield against unexpected challenges. In this blog post, Actsphere will discuss the importance of commercial insurance and how it can protect your business interests. The Business Landscape: Full of Risks In the world of business, uncertainties are a constant companion. From the natural ..read more

Introduction Texas is a state known for its diverse landscapes, vibrant culture, and unpredictable weather. While the Lone Star State offers residents and visitors a wide array of experiences, it also presents unique challenges, including the ever-looming threat of flooding. In this blog post from Actsphere Insurance Group, we’ll discuss the importance of purchasing flood insurance in Texas, especially in the Houston area, and how it can provide financial security and peace of mind. Texas: A Flood-Prone State Texas experiences its fair share of natural disasters, with flooding being one of the ..read more

Introduction: When you’re in your twenties, life is filled with exciting opportunities, new experiences, and endless possibilities. It’s a time when you’re focused on building a career, pursuing education, and enjoying newfound independence. While it may seem too early to think about life insurance, the truth is that securing your financial future is a crucial step, even at this stage of life. In this blog post, Actsphere Insurance Group explores why life insurance is essential for young twenty-year-olds and how it can benefit them in the long run.   Protecting Your Loved Ones: Life i ..read more

Homeowners Insurance? HO3? Dwelling Fire? I’m So Confused! Are you confused by the multitude of different types of insurance policies that exist? Do you ever ask yourself what the purpose of one policy versus another policy is? Have you ever thought that insurance is just too complicated? If you answered yes to any of the above questions, you’re in good company. You’re not from another planet; you are from Texas, and you possibly live in the Greater Houston area. In the last 18 months, Texas has seen a lot of new transplants from California, Georgia, and New York to name a few. Texas has a lot ..read more

When my wife and I were in our twenties, we determined to get out of debt and to have a certain level of financial freedom. Everyone in our church knew how passionate we were about managing our finances rather than living with the yoke of debt around our necks. Our pastor, knowing how committed we were to fiscal responsibility, asked us to lead a class on financial freedom and debt elimination. We were thrilled and honored and were eager to share our knowledge with our church family. We believed that every young couple should get off on the right foot financially, and we were going to help edu ..read more

Flood insurance and flat tires? Flood insurance and flat tires? Have you ever eagerly anticipated a road trip that you have been planning all year? Maybe you are heading from Houston to the beautiful Texas Hill Country near Austin. Maybe you are going to San Antonio to introduce your kids to the history of The Alamo. Perhaps you are going camping in Big Bend or tubing on the Rio Grande River in Kerrville. Whatever your destination in our great state of Texas, you are excited because the drudgery of planning, organizing, scheduling, and packing is over, and the BIG day has arrived. You and the ..read more

10 Energy Saving Tips for Spring April 6, 2015 Now that the flowers are beginning to bloom and warmer weather is on the way, there are some easy things anyone can do to save energy and money both around the house and at the office.  Here are 10 energy saving tips courtesy of the Department of Energy: Service your air conditioner. Easy maintenance such as routinely replacing or cleaning air filters can lower your cooling system’s energy consumption by up to 15 percent. Also check your air conditioner’s evaporator coil, which should be cleaned annually to ensure the system is performing at ..read more

How much umbrella insurance do I need? It is raining, skid across the road and horrifyingly see the side of another car. Luckily when the skidding and cars have come to a hault, you exit the car and pull out the umbrella. While you have a hat , it can only protect you so much. So you pull out an umbrella for the extra coverage while walking to make sure everyone is ok. Just as an umbrella serves are extra protection from the rain, your umbrella insurance will act as extra protection in case of an accident not fully covered by your liability insurance. The good news, it is affordable. By: Patri ..read more