Insuring your home, business, vehicles and other assets is not as simple as it once was. There are vast array of policy options and coverage types to choose from, in addition to the evolving laws and terminology surrounding insurance coverage. One coverage choice that can often lead to confusion is the difference between Replacement Coverage and Actual Cash Value Insurance Coverage. In today's blog post, we'll look at the two types of coverage and how they protect your assets and their value.

For many Houston homeowners, particularly those living in older homes, there is often a desire to make home improvements, such as renovating a bathroom, installing recessed lighting, painting the exterior of the home, or removing a tree for better visibility. While cable shows and Internet videos can make home improvement projects look simple enough, in reality a vast majority of home improvement projects can be dangerous, leading to personal injury and property damages.

Thanks to the Internet, many records and legal documents are now available to search and review online, whether they are marriage records, birth records, divorce records, and even property records. Although it can be convenient to have access to this information at any time, in reality the online publication of this sensitive information jeopardizes an individual's security and privacy. It is critical for people to take proactive steps to minimize or better control the kind of public information that's available online, for the privacy and safety of family members and property.

Social media can be a fun and engaging way to connect with family and friends through quick and simple updates. While you might think social media posts and pictures are harmless and innocent, others might see them as opportunities for theft, vandalism and other criminal activity. Social media posts can easily put people and property at risk, so it's important to understand how criminals can use our social media posts against us, and safer ways to communicate through social media.