http://www.malonegrouptexas.com/blog/View Malone Group of Texas's Website Blogen-uspostmaster@www.malonegrouptexas.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:6562a2f1-fb59-45dc-ab93-e2185d924d2aurn:uuid:5edad2d6-a3bf-4c1e-8eed-ff2afc9484b2When buying insurance for your home, auto or your business you must have the proper coverage.  God forbid a catastrophe happens, but if it does, this is why you buy insurance.  But, do not just "buy insurance".  You must buy the best c...Tue, 04 Nov 2008 12:44:21 -0600When buying insurance for your home, auto or your business you must have the proper coverage.  God forbid a catastrophe happens, but if it does, this is why you buy insurance.  But, do not just "buy insurance".  You must buy the best coverage that fits your needs.  In my past experience, as a claims negotiator, I denied claim after claim, due to the insured not having the correct coverage.  For example, their are policies that exclude "wind driven rain". This means that if the interior of your house is damaged by wind driven rain, you have no coverage.  So, like during a tornado, there are high winds, and the rain comes through your windows, but there is not an opening and your $3,000 flat screen tv is ruined, you will not have coverage, claim DENIED!  You must speak with your agent, let him know what assets you have and find out what each policy covers and what it does not cover.  The best advice I can give is when buying a policy, look at the exclusion page.  This page will let you know what that policy will not cover in the event you have to file a claim.  Remember, do not just buy a policy because it is inexpensive, buy the coverage that allows you to sleep at night, knowing your assets are covered.