Protecting your family is very important, and if you’re the one who typically takes care of them they could end up in a bad spot if something happened to you. That’s where a good life insurance policy comes in. If you’re in the San Antonio, TX area, LeapFrog Insurance can help you find the policy that’s right for your needs. The size of your family, whether you’re the primary one who cares for the family, and other factors will all matter when choosing a policy. Our agents are ready to help you find what works for your needs.

If you pass away, your family would suddenly lose out on all you give to them. They might have trouble staying in the house they love or keeping the cars they’re used to driving. There could also be worries over children going to college and other matters. But with the right policy that protects your family in the event of your death, you don’t have to worry about those things anymore. It’s a great way to have peace of mind for everyone involved, including you. Then you can just enjoy time with your loved ones, and put your worries about the future aside.

Reach out to LeapFrog Insurance today, if you’re in the San Antonio, TX area and need a life insurance policy. No matter what questions you have about policy options, we can get you the answers you’re looking for. Then you can make an informed decision about the policy you’re considering, or whether a different one would be a better choice for your needs, plans, and goals. Having good coverage is essential for protecting your family both now and in the future. With a good policy, you’ll have fewer worries and can get back to living life.

Floods are the most common natural disaster in San Antonio, TX, according to National Weather Service San Antonio.  All homes, therefore, need to have flood insurance, even if it is in a low-risk area. This will help to protect your home from devastating flooding which can occur at any time of the year. After all, you don’t want to take the risk and wait for the water damage before you could take an action. If your home is within the designated flood zones, it’s ideal to obtain flood insurance to protect your property during such eventualities. Our experts at LeapFrog Insurance will help you maneuver through the process of obtaining a flood protection policy that suits you the most.

Various flood insurance offers property coverage at different limits. This enables you to have a variety of attractive options to choose from when seeking flood coverage. In recent years, many insurers have re-entered the flood insurance space to provide you with more coverage options and Leapfrog insurance is no exception.

Flood insurance covers both the structure of your home and its contents. However, coverage for contents is optional in some cases, and our insurance agent can help discuss your options. There is often a 30-day waiting period before your flood insurance takes effect except when the flood insurance is needed by a lender and is purchased as part of securing a mortgage. However, some private flood markets offer shorter waiting periods.

If your property is within San Antonio, TX, It’s important to explore flood insurance offerings. This is because when filing a flood insurance claim, the track record for handling claims can make the difference as to whether your claim gets paid or not. When you are not sure about which coverage to invest in, please don’t hesitate to visit us at LeapFrog Insurance or call our office for more information on what you deserve to protect your home from flooding.

Based in San Antonio, TX, LeapFrog Insurance serves the community through helping residents find insurance coverage. We are committed to making sure that our clients find the policies they need to protect their assets. We work closely with several organizations throughout Texas.

Workers Compensation Myths

The San Antonio, TX economy depends on the success of local businesses. If you own a business in the community, commercial insurance allows you to protect your investment. The policy covers your business if your property or equipment is damaged or stolen. The policy also covers your business against potential liability disputes. An important part of commercial insurance policies is worker’s compensation benefits. Worker’s compensation protects both your business and your employees if an issue arises. While you research worker’s compensation, avoid some of these common myths.

Coverage Isn’t Necessary Because There’s A Low Risk Of Injury

Even professions that have a relatively low injury risk aren’t completely accident-free. Regardless of the job that your employees do, there is still a chance that someone might get hurt one day or develop an illness. Worker’s compensation provides your business with a safety net.

I Operate A Small Business So I’m Not Eligible For Coverage

This is incorrect. Even small businesses have to plan for unexpected risks. While you may not have a lot of employees, worker’s compensation is still an asset because you could potentially suffer devastating losses if one of your employees is injured and you don’t have protection.

Your Employees Are Covered If They Get Injured Offsite

This is incorrect. Worker’s compensation only covers injuries sustained in the workplace. If one of your employees gets injured at home and makes the condition worse by coming to work, they are not protected. However, if they slipped and fell while walking to the restroom on their lunch break, worker’s compensation does protect them.

LeapFrog Insurance Will Help You Protect Your Business

Visit our website to learn more information about commercial insurance.

Those living in zones prone to flooding in Texas are required to have flood insurance as provided by the National Flood Insurance Program (NFIP). You know that your San Antonio, TX home needs coverage for damages caused by hurricanes and other natural disasters involving water. What exactly, though, does flood insurance cover? The agents at LeapFrog Insurance can help you understand. 

What does the NFIP offer?

The NFIP offers two types of flood insurance: 

• Building Coverage;
• Contents Coverage. 

Building coverage is centrally designed to pay for damages to the structure of your home. Electrical and plumbing systems are covered under this plan as well as foundation walls and staircases. You may also find building coverage handy for recuperating for damages to your large kitchen appliances (i.e., refrigerator, stove, and dishwasher) as well as permanently installed carpet. 

Building coverage does not pay for smaller appliances and personal belongings, which is why you need contents coverage as well. You can file a claim for damages to your microwave oven as electronic equipment under such a plan. Contents coverage may also cover your washer and dryer as well as carpet not covered by building coverage. 

What qualifies as a flood?

An incident is considered a flood if an excess of water on land that is normally dry covers more than two acres or more than two properties. Under such terms, a broken pipe that covers the inside of your home is not considered an incident that qualifies for flood insurance coverage. 

Flood insurance in San Antonio, TX is necessary, though not always understood. The agents at LeapFrog Insurance can help you obtain the right policy so that you are fully protected when the unthinkable happens. Call them today to get started with a quote for coverage.

Floods can occur almost anywhere in Texas at almost any given time. With flood insurance from LeapFrog Insurance, you can protect your San Antonio, TX home from flood disasters. Misconceptions about flood insurance may make you hesitant to obtain this valuable coverage. Here are some common misconceptions you should be aware of so you don’t miss out on getting the protection you need.

Misconception: Home insurance covers flood damage.

Home insurance covers water damage from leaky pipes or other plumbing issues. It doesn’t, however, cover flooding. If your San Antonio, TX home floods due to rising river waters or storm surge, home insurance will not pay for the damage. That’s why you need flood coverage.

Misconception: Flood insurance is only for people who live in a flood zone.

Almost any property can be subject to flooding. According to FEMA, over 20% of flood claims in the country come from people who don’t live in high-risk flood areas. Many Texas cities are prone to flooding and San Antonio is no exception. Better to be safe than sorry when it comes to protecting your costly home investment.

Misconception: There’s no rush to purchase flood coverage. You can wait until the rainy season to get a policy.

The longer you wait, the greater your risk of suffering from a flood disaster. Floods can and have occurred suddenly, without much warning. In addition, flood insurance doesn’t go into effect immediately after purchasing. There’s usually a waiting period of 30 days before your protection begins. By purchasing your policy in advance, you can be prepared for this untimely disaster.

Misconception: Only homeowners can purchase flood coverage.

Flood coverage is available for home and condo owners, business owners, and renters for the protection of personal belongings.

To purchase your flood policy, call or visit LeapFrog Insurance today.

The San Antonio, TX area is one of the fastest-growing metropolitan areas in the country. People continue to come here due to the warm weather, plenty of job opportunities, and good housing options. If you do move here and buy a home, you need to make sure that you get the right insurance for it. For a lot of property owners, this could include having flood insurance. There are plenty of advantages that come when you get a flood insurance policy.

Provides Protection Against Significant Risk

The main advantage that comes with a flood insurance policy is that you can receive protection against a pretty significant risk. If you have a home that is damaged by a flood, the costs to remediate can be very significant. Fortunately, when your home is damaged by a flood, the insurance policy will give you the coverage you need to make necessary repairs.

Ensures Loan Compliance

Another advantage of a flood policy is that it can ensure you are in compliance with your loan agreement. If you have taken out a loan and are in a flood zone, the lender will likely require that you get proper insurance. With a flood insurance policy, you will meet their flood insurance requirements and stay in compliance. 

Those that are in the San Antonio, TX area are going to benefit from having a flood insurance policy in many different ways. Due to this, it is important that you get a flood policy when it is needed. For those that are looking for this coverage, contact the team at LeapFrog Insurance is a good idea. The insurance team at LeapFrog Insurance can let you know if you need flood protection and help you choose an appropriate policy. 

If you just found out that you live in a high-risk flood area, you must be worried sick about how much flood insurance will be enough to cover every aspect of your home. Floods in San Antonio, TX can be destructive if you are not financially organized. A good rule of thumb is to purchase coverage that is equal to the value of your home. This way, you are sure to get the maximum recovery of what you lost due to water damage. 

Always buy enough insurance to rebuild your home

Sounds obvious. If you live in a high-risk area, the chances are that you will encounter a flooding event every year. Floods can damage the entire foundation of your home or, worse, sweep your home away. You want to make sure that your flood insurance policy is adequate to cover for the entire house structure in case it is damaged by floods. At Leapfrog insurance, we recommend hiring a contractor to assess your home value and give you a precise figure before reaching out to your insurance company.

Buy enough coverage to replace your personal belongings.

You also need to determine the value of your personal items in the house by calculating the cost per item. You can use receipts to help you know the price of furniture, electronics, appliances, and other personal items like clothes and shoes. You should also keep an inventory of these items in case your insurance provider requests to see them. 

Once you factor in the cost of your home, the belongings inside, and the combined assets, you can now set your coverage limits based on this value. Flood insurance is the lifesaver you need if you live in a high-risk flood area. Our insurance experts at LeapFrog insurance will be happy to help you calculate how much coverage you need for your home. Feel free to contact us or visit us in our San Antonio, TX offices today.

If you’re starting up a business in or around the San Antonio, TX area, you’ll want to find out about commercial insurance. Not every business needs this type of insurance, but most of them do. At LeapFrog Insurance, we can help you discover what kind of insurance coverage you need and then make the choices that are right for your specific situation. You’ll have peace of mind with your new business, and be able to focus on operating that business the right way. Here are five of the most important ways commercial coverage will help your business.

1. You’ll have protection for your building and the equipment in it.

2. You’ll have coverage for your employees if they’re injured in the course of their work.

3. You can protect your clients or customers if they sustain an injury while they’re on your property.

4. You’ll have a sense of stability and security, knowing you’re properly covered.

5. Your customers will feel safer because they know any mistakes you might make in a professional capacity will be covered.

Having a business can be a great feeling, and can give you the freedom to be your own boss and set your own terms and conditions. But it’s very important that you take your commercial insurance seriously. Having the right agent and company behind you can make a big difference in the type of coverage you get and how easily you can make changes and updates in the future.

For anyone in or near the San Antonio, TX area, LeapFrog Insurance is here to help. Reach out to us today, and let us answer any questions you have about your business’ insurance policy. Whether you’re just getting started or you’re looking to update the policy you already have, we’re available. Our dedicated agents will ensure that the policy you have is the right one for your needs.

Most people have very little knowledge about life insurance and even less about the amount of life insurance that they should carry. This is a complex issue and there is no one answer that fits every person and every situation. Life insurance serves more than one purpose. It is part of a lifetime financial plan and is much more important than most people realize. At LeapFrog Insurance in San Antonio, TX the team has years of experience helping their clients to determine the correct amount of life insurance for their needs. 

In order to determine how much life insurance is right for you, you need to ask yourself a few questions. Who depends on you and your income. Do you have a wife and children, elderly parents, or others who would not be able to maintain their current lifestyle without you being able to support them? How young are your dependents and how many years will they be relying on your income? 

Do you have debt? Have you made arrangements for your final expenses to be paid? When you have answered these questions you will be able to come up with some idea of how much insurance you may need. Experts recommend that you have eight to ten years of salary in life insurance to protect your dependent children and if your children are even younger than that, it might even be more than that. This is just a starting point, all aspects of protection need to be considered as you come up with a viable figure for the amount of life insurance needed.

When you are ready to discuss your life insurance needs LeapFrog Insurance in San Antonio, TX is ready to sit down with you to come up with a plan to protect your dependents and to fit your budget. Life insurance comes in a variety of forms and no one plan is right for everyone. 

At LeapFrog Insurance, we wish our employees, clients, and neighbors in San Antonio, TX best wishes for their health and well-being during these trying times. The information below provides valuable information on how COVID-19 may impact various types of insurance. As you read, jot down any questions you may have for your agent regarding your commercial insurance coverage.

How Do Infectious Disease Outbreaks Impact Commercial Insurance?

If a true pandemic were left to grow unchecked, hundreds of thousands might die in the United States. COVID-19 has forced most of the workforce to work from home or forego working at all. The insurance industry may play a key role in the ensuing recovery. Here are a few examples of how that would work.

Business Interruption Insurance

Business interruption insurance falls under property insurance in many commercial policies. Check with your agent to see if you carry this coverage. Designed to protect your company against profit loss due to interruptions, it’s triggered when your business suffers from physical damage. In the case of a pandemic, business interruption insurance might pay for the decontamination and sanitation of your physical location.

Workers’ Compensation

Workers’ compensation insurance might cover exposure to the cause of the pandemic while at work. For example, a doctor who gets COVID-19 from direct contact with a coronavirus patient might qualify for workers’ compensation under some circumstances.

Directors and Officers Policies

Directors and officers insurance protects shareholders and may be triggered during a pandemic. These policies protect policyholders against financial loss when a covered event disrupts business operations.

Errors and Omissions

Errors and omissions coverage may play a key role in protecting hospitals during the pandemic. Also known as professional liability insurance, E&O insurance covers damages awarded to patients due to injury or death resulting from a failure to provide services.

In these uncertain times, it’s not clear how such a broad event will play out when it comes time for an economic recovery. However, the agents at LeapFrog Insurance are staying abreast of changes as they occur. Call today for more information on reviewing the coverage for your San Antonio, TX business.