bigstock--216804508Texas is a great place to live, work and raise a family. There are so many things to do that it may be hard sometimes to choose. Personal activities can include:
  • Boating
  • Skiing
  • Hiking
  • Camping
  • Fishing
  • Motorsport racing
  • Classic car collecting
  • Visiting a park
  • Going to a theme park
It is essential to have a personal insurance program that protects your lifestyle. Your lifestyle may have added risks that you need to make sure you protect. Here are a few examples. Boating- if you own a boat you need to have watercraft insurance to cover the liability of operating a watercraft as well as for damage to the watercraft itself. Classic Car Collecting – if you love that 1969 Mustang make sure you have the right kind of auto insurance that is designed to replace vintage or collectible cars. Mt Climbing – Don’t wait till you are at the top of the mountain to think about health insurance. If you are a risk taker, you should have health insurance to protect you just in case you are injured. Lifestyle Insurance Specialists We will advise you on the individual insurance programs that will best fit your needs. We believe that insurance is a relationship, not just a policy. We will meet with you to educate you on your personal risks and then develop a plan to meet those risks. Some Lifestyle Insurance Risks Everyone is one social media. With this comes the risk of making an incorrect statement that might cause a third party injury. Reputation management is important especially if you have any assists at all. Even a false accusation can be challenging to defend, and it will cost you a considerable amount of money to defend yourself, even if you are proved right. Having an excess or umbrella insurance policy is an excellent way to help you in the event you need to defend your reputation. Umbrella policies often offer legal services that can help you through a problematic claim. Risk of owning watercraft and other toys is something you need to insure. If you own a boat, jet ski, ATV, RV, motorcycle or some other toy it needs to be properly insured. An injury to a third party could run the tens of thousands of dollars.  You also have the risk of damage to your property as a result of a covered claim. We can offer you coverage options for all your toys and related equipment. You will find that this kind of insurance coverage is very affordable. Coverage for classic cars. If you own a vintage or classic car you need a special kind of auto insurance that is designed for that specific vehicle. There is coverage that will pay on a stated amount, so in the event of a loss you can obtain the best possible recovery as possible. No matter what your lifestyle may be our team is ready to help you find the best possible combination of coverage price and service. All you may need is renter’s insurance; then we are here to help. You may own a rental home and need specific coverage; we are ready to find a solution to your individual concern. You may own a special art collection and need coverage for that, again we have answers for you. Remember insurance is a relationship, not a product. We are experienced, we live and work in your community, and we are good at what we do. Give us a call today. Choosing the right coverage for your home depends on a number of factors. You generally need enough insurance to cover the cost of rebuilding your home and replacing your personal possessions. The homeowners policy also provides personal liability insurance to defend you in the event of a lawsuit. At J.S. Edwards & Sherlock, we can help you find a plan that suits your specific needs.