"I Care About Who You Are And I |
Circle Of Safety - Personal How Much Is Enough? It Depends
Our Clients Say It Best!
Great Rates and Good Coverage
"Mark saved me a lot of money on my insurance. He also took the time to explain to me exactly what I needed to adequately cover my family and my businesses. I now carry life, home, car, and business liability insurace with Mark. Mark is a great guy and I would definitely recommend him if you're in the market for insurance." -Paul Jones, Elements Laser Spa, Austin, TX
Buying Insurance is Like Buying a Bike
"...depending on the agent, they may try to sell you 'junk' you don't need or leave you under covered... oftentimes, just getting the cheapest basic coverage from company X 'is not the best' for the policy holder in the end.
For instance, take the recent hail storm in North Austin. Mark was on the phone with all of his clients affected and was able to get them quicker evaluations and rental cars because he has relationships with his clients, unlike some random call center person..." -Sean Hanna, Source Wellness Center, Westlake Hills / Austin, TX
Buying Insurance is Like Buying a Bike (cont.)
"...Buying insurance is like buying a bike. Having someone in the business that knows how to help you evaluate what you want and what you want to spend is invaluable, as long as you can trust them to have your interests at heart. I know Mark personally, and he's that kind of guy." -Sean Hanna, Source Wellness Center, Westlake Hills / Austin, TX
Exceptional Insurance Agent
"Mark is an exceptional insurance agent who is passionate about providing the best possible coverage to protect you and your loved ones! He is remarkably knowledgeable about the various policies that are offered and is able to explain all the processes in a way that makes everything a little more understandable. Mark built a unique relationship with me that was unlike any I have ever had with an insurance agent..." - Andrew Yap, Austin, TX
Exceptional Insurance Agent (cont.)
"...This relationship was much more personal, sincere, and genuine! I thought of him as more of an adviser who helped guide me towards some of the most significant choices I have had to make about ensuring my future. He not only taught me about the best ways to protect myself, my loved ones, and my assets, but he also taught me a lot about life! I would recommend Mark to anyone who is looking for the smartest way to secure their future!" - Andrew Yap, Austin, TX
Hit a Deer
"Have you ever hit a deer here in Texas? Pretty traumatic? Well maybe for the deer, but for me, it was one of the easiest and quickest problems solved, all due to Mark ... Get yourself some piece of ... mind." -Doug LeBelle, Austin, TX
Sincere, Trustworthy Insurance Agent
"We bought insurance through Mark and since then he has always been there for us. It is a huge thing that you have somebody who cares for you and you know he will be there for you when things happen. He will work hard to find the best rate for you as he did for us. I definitely recommend him to anyone who is considering a new insurance agent." -Yoon Schaefer, Wedding Photographer, Round Rock, TX
Best Insurance Agent in Austin
"If you're looking for insurance then you have to talk to Mark. He'll be completely honest with you and help you make the right choices and probably save some money too. When we needed insurance, I gave him a call and he came over to our house and walked us through choosing the right insurance for our situation. He was super friendly and took the time to make sure we understood everything. I've never had an agent do that before. I would highly recommend Mark and his agency. Don't hesitate to give him a call." -JustJ, Submitted through CitySearch
How Much Is Enough? It Depends |
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W hile it’s one thing to have insurance for specific risks, it’s quite another matter to have enough insurance. How much is enough? The answer is different for everybody. It depends on what you want to protect and how much risk you’re willing to assume yourself. Let’s say you have a net worth of $1 million. (Congratulations, by the way.) That’s the total value of your various possessions: home(s), car(s), furniture, art, stock and bond holdings, mutual funds, etc. One million dollars is also how much you have to lose. * Imagine this. Say that famous person you hit in the intersection sues you for loss of income, pain and suffering, etc. Basically, the most this person can get from you is . . . $1 million. Let’s say your current auto insurance policy has a limit of liability that will pay a maximum of $100,000 to any one person involved in an accident with you. (That’s a pretty common limit, by the way, although not for people with seven-figure net worths.) If you’re sued for $1 million, your auto insurance will pay a maximum of $100,000, which leaves you holding the bag for $900,000. Ideally, your liability insurance limits should come close to matching your net worth. After all, someone can’t sue for something you don’t have. You may be willing to assume some risk here, believing that you’re very, very unlikely to ever be sued for anywhere near your net worth. * Tip. Remember that your net worth is basically a target for attorneys representing someone who has suffered injuries, lost wages, and had pain and suffering as a result of something you did. In addition, it can cost only a few hundred dollars more a year to have a liability limit of $1 million as opposed to $100,000. In deciding how much insurance to buy, you must consider what you have and what it costs to provide the level of coverage you’re comfortable with. Keep in mind that most people who have significant assets and decent incomes can afford to purchase liability limits high enough to equal their net worth. Whether they choose to is another matter. Click Here For The Free Report - "The Circle Of Safety: How to Protect Yourself and Your Family with Today's Insurance" Look for us to continue this next week with: "How Do You Find the Right Insurance Company at the Right Price Point?..." |
