Hahn Insurance & Financial Services

01/03/2025

https://acrobat.adobe.com/id/urn:aaid:sc:US:d5bc2d09-ad4e-4f57-911e-c7d94ebb8b7e

01/03/2025

https://acrobat.adobe.com/id/urn:aaid:sc:US:5c0c01f4-5d3d-4576-bed3-59c2591ca969

Great Forecasts for 2025!!! 🥂

07/31/2024

**IF YOU HAVE ANY KIND OF INSURANCE IN TEXAS, READ THIS.**

I realize that it doesn't make it better, but understanding "why" and knowing that you're not alone can ease frustration.

"...According to an S&P Global analysis, insurance premiums in Texas jumped 23 percent last year, the highest increase in the country and more than double the national rate increase of 11 percent...

Skyrocketing rates are caused by a combination of high inflation, especially in the prices of building supplies, and Texas’s recent series of natural disasters."

https://www.texasmonthly.com/news-politics/texas-home-insurance-crisis/

06/11/2023

(Auto Insurance) Premiums are up more than inflation!! 🫣😲

Premiums are up more than inflation, as insurers deal with rising repair bills and higher car rental rates. But consumers do have some options, experts say.

11/25/2022

03/22/2022

https://www.forbes.com/advisor/life-insurance/protective-life-insurance-review/

Protective Life’s universal life insurance policies offer competitive internal policy costs for most ages and health risks, so more of your premium can go toward cash value. The company has shown superior performance of the bonds and mortgages that are underlying cash value, and its universal life...

11/24/2021

I love this tip! 🏡

Let’s talk market value vs appraised Value 💰 But what does it all mean?

The value of a home can be based on the market or an appraisal. One is given by the demand of the housing market and potential buyers while the other is given by a professional appraisal that works for a mortgage lender.

Let’s explore further:

✔️Market Value:
The price a buyer is willing to pay for a property

✔️Appraised Value:
The professional opinion of an appraiser on the value of the property

Remember….When a house in under contract, a lender will most likely require an appraisal to verify the home is worth the purchase price!

11/24/2021

I would like to wish each one of you a Happy Thanksgiving!! Enjoy each and every beautiful moment, and remember all you have to be thankful for...

🧡 Crystal A. Hahn
Hahn Insurance Agency

11/18/2021

10/03/2021

Another "Crystal Clear" Insurance Tip

Believe it or not, your credit may impact your insurance rates. Insurance providers have found that certain credit characteristics for an individual are useful to predict of how likely it is that the individual will have an insurance claim.

These characteristics are not the same ones that a bank uses to measure lending risk, but rather, insurers may use credit-based insurance scores in conjunction with other variables to assess the likelihood of claims submitted. These variables may include age, driving record, claims history, place of residence, the type of car and the average miles driven, among others.

As a general best practice, do what you can to improve your credit, be sure to monitor your credit report on a regular basis, and contact the credit bureau to clear up any errors.

https://www.marketwatch.com/story/5-important-facts-about-car-insurance-no-one-ever-tells-you-2020-02-05

https://quotewizard.com/auto-insurance/credit-score

10/02/2021

Another "Crystal Clear" Insurance Tip

"My home Insurance policy deductible is 2%. What the heck does that mean?"

Percentage-based deductibles work a little different. Rather than pay a set amount, you agree to pay a percentage of your home’s INSURED VALUE for each claim.