Sheila Williams Insurance Agency

We know that your insurance dollars can be spent in many ways.
We want to EARN your business by regularly reviewing your coverage, and helping you receive the best value for your insurance dollar.
We found some excellent advice here, at the National Insurance For Insurance Commissioners.
We've edited it just a bit.
Whether you're looking for your first agent or thinking about switching agents or companies, it's a good idea to have several to choose from.
Have conversations with prospective agents.

Liability is the most basic coverage, and what the state requires of you as a vehicle owner and driver.
This will protect you from any damage or injuries that you are responsible for.
If you drive too closely to another car, taking out their side mirror, your liability coverage will pay for the damage done to the other car.
If you are at fault in an accident where someone is injured and acquires medical expenses, your insurance will cover the bills.
Should you back into your friend's garage door, liability also covers damage done to their property.

Every homeowner needs insurance for their home, but the policy that you choose should fit your individual needs.
Let's take a look at some of the options available to you.
This coverage will help protect your structures and personal property.
It can include protection against damage to structures that are not attached to your house, such as a shed or gazebo.
This will also cover your possessions such as clothing, furniture, sports equipment, and other unattached personal items.
We can help as you choose the coverage needed to protect your belongings.

Are you considering whether a life insurance policy is the right choice for you and your family?
Through the years, funeral expenses have risen higher than you would expect.
Studies show that the price of an average funeral in Texas is close to ten thousand dollars.
Having the funds available for your loved ones to use when the time comes, makes it much easier on them as they deal with the details and decisions that arise.
If you are the sole or joint provider of your household, the loss of your income after death can be a great hardship on your family's day to day expenses.

Have you considered that as a renter, you should purchase your own insurance policy?
Often people don't realize that the homeowners insurance their landlords have will not protect the renter from personal losses, but only the actual structure being rented.
If you are renting an apartment or house, renters insurance is a wise choice.
If your home or apartment suffers damage due to vandalism, fallen tree branches, water damage from leaking pipes, or numerous other reasons, how do you plan to replace your belongings?