Insurance Basics & Education, Auto Insurance, General, Home Insurance

How Insurance Agents Really Get Paid (and Why It’s Not Coming from Your Wallet)

Leave a Comment / Insurance Basics & Education, Auto Insurance, General, Home Insurance / Luke Faulkner / November 13, 2025

You’ve probably seen ads promising to “cut out the middleman” and save hundreds on your insurance. It sounds logical — fewer people involved, fewer costs, right? But that’s not actually how insurance pricing works. Rates are filed and regulated by the state, and agent commissions aren’t tacked onto your premium like a hidden fee. In […]

How Insurance Agents Really Get Paid (and Why It’s Not Coming from Your Wallet) Read Post »

Home Insurance, Auto Insurance, General

Texas Insurance Checklist: How to Master Your Annual Insurance Review

Leave a Comment / Home Insurance, Auto Insurance, General / Luke Faulkner / November 6, 2025

When was the last time you gave your insurance policies a real checkup? In Texas, where weather, property values, and even driving habits can change from year to year, your coverage needs to evolve, too. An annual insurance review isn’t just smart — it’s essential. Reviewing your policies helps you stay protected, uncover savings, and

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Umbrella Insurance, General

7 Smart Ways Umbrella Insurance Protects Your Assets (and Your Peace of Mind)

Leave a Comment / Umbrella Insurance, General / Luke Faulkner / October 16, 2025

When life takes an unexpected turn, your standard auto or homeowners insurance might not be enough to protect everything you’ve worked for. That’s where umbrella insurance steps in — a powerful form of extended liability coverage designed to safeguard your personal assets and future financial stability. In simple terms, umbrella insurance acts like its namesake:

7 Smart Ways Umbrella Insurance Protects Your Assets (and Your Peace of Mind) Read Post »