Business owners know that it is vitally important to protect valuable company assets, such as buildings and office space, electronic equipment, specialized machinery, inventory, business vehicles and other company property. Protecting these assets often includes the use of parking lot cameras, secured card-key entry and exit doors, and security guards to protect the business during off-hours.

As discussed last week, one of the major financial decisions both individuals and families must make in their lifetime is in regards to their life insurance needs. For some, the question might be how much insurance coverage is needed, while others might be more concerned about premium rates or flexibility with their coverage.

Five years ago this week, residents and business owners throughout the greater Houston and Galveston region were devastated by the impact of Hurricane Ike, a Category 4 storm that decimated entire communities. Hundreds of thousands throughout the Gulf Coast were left with no electricity, damaged homes and businesses, and a massive cleanup.

The beginning of fall brings cooler weather, the start of football season, and a trip back to college for the thousands of university students throughout Texas. Many parents help their children prepare for college by purchasing smartphones, laptop computers, furniture and appliances so they have everything they need while living away from home. However, many parents do not realize that they may be sending their children away with these costly possessions that are not covered by their homeowner's insurance policies.