Blog
Insurance Tips & Guides
Practical guidance for Texas, Michigan, Ohio, and Virginia clients from Tan's Agency.
Showing 1–10 of 32
Windshield and Auto Glass Claim Scenarios
When glass-only claims make sense, how deductibles may differ, and tips for chip repairs vs. full windshield replacement.
Wind and Hail Claims: What Homeowners Should Expect
How wind and hail homeowners claims work, roof and siding issues, deductibles, and tips for documenting storm damage.
When Umbrella Insurance Makes Sense
How umbrella liability works, who needs higher limits, and when to add it on top of home and auto policies.
Water Damage Claims and Prevention: What Homeowners Should Know
How water damage claims work, what policies often cover or exclude, and practical steps to prevent costly leaks and floods.
Virginia Minimum Auto Insurance Requirements
Virginia's updated minimum liability and uninsured motorist requirements — what 50/100/25 means for drivers.
Virginia Auto and Home Insurance: What New Residents Should Know
A quick orientation for Virginia clients comparing auto and home coverage with an independent agency.
Types of Homeowners Insurance Policies: Fire-Only, ACV, Replacement Cost & Rentals
Understand the difference between fire-only policies, actual cash value vs replacement cost, landlord rental dwelling coverage, and other home policy types.
Theft and Vandalism Claims on Homeowners Insurance
What homeowners policies often cover for burglary and vandalism, how to document stolen items, and ways to reduce theft risk.
Texas Minimum Auto Insurance Requirements
Texas state-minimum liability limits explained — what 30/60/25 means and why many drivers need more coverage.
Single-Vehicle Accident Claims: Rollovers, Road Hazards, and More
How single-vehicle crashes are usually handled, when collision applies, and what documentation helps your claim.