LionTrust Financial

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We are a premier insurance company offering a range of policies to protect what matters most.

08/29/2026

If your business has a lease, a client, or a physical presence — you need general liability. Here's what it covers.

Commercial general liability (GL) covers:
1) Bodily injury — someone gets hurt at your business.
2) Property damage — your business damages someone else's property.
3) Personal and advertising injury — claims of libel, slander, or copyright infringement.

What it doesn't cover:
1) Your own property — that's commercial property insurance.
2) Professional errors — that's professional liability/E&O.
3) Employee injuries — that's workers' comp.
4) Your vehicles — that's commercial auto.

Most commercial leases require GL at $1M/$2M limits. If you're signing a lease or a contract requires a certificate of insurance, let's make sure you're covered.

Commercial insurance for Texas businesses — [email protected]

08/28/2026

Nobody plans to file a claim. Here's what to do when you need to — before you need to.

Step 1: Document everything — photos and video of the damage before you clean up.
Step 2: Contact your agent or carrier immediately — most policies require prompt reporting.
Step 3: Get a claim number and adjuster contact info.
Step 4: Keep receipts for any emergency repairs or temporary housing.
Step 5: Create an inventory of damaged items with approximate values and receipts if available.
Step 6: Cooperate with the adjuster — they need to inspect the damage.
Step 7: Review the settlement offer — you can dispute it if it's too low.
Step 8: If you disagree, file a complaint with TDI.

Keep your policy number and claim number accessible. The process works better when you know the steps.

Questions about your coverage? [email protected]

08/27/2026

Less than the cost of two coffees per month. Here's what $13-20/month actually buys you.

A typical Texas renters insurance policy at $13-20/month includes:
1) Personal property coverage: $15,000-$30,000 for your belongings (actual cash value or replacement cost).
2) Liability coverage: $100,000-$300,000 if you're responsible for injury or damage.
3) Additional living expenses: covers hotel and meals if your rental is uninhabitable after a covered loss.
4) Medical payments to others: $1,000-$5,000 for minor injuries to guests.
5) Loss of use: helps with temporary housing.

For most Texas renters, the liability and ALE coverage alone justify the premium. The contents coverage is a bonus.

Quote in 5 minutes — [email protected]

08/26/2026

Most renters think "I don't own anything worth insuring." That's the wrong question.

The real risk in a rental isn't your stuff — it's your liability. Here's why:
1) Contents coverage replaces your belongings after a covered loss — clothes, electronics, furniture.
2) Liability coverage protects you if you're responsible for damage to someone else's property or injury to someone else.
3) A kitchen fire that spreads to a neighbor's unit? That's liability.
4) A guest who slips in your apartment? That's liability.
5) A pipe you didn't maintain that floods the unit below? That's liability.

Contents claims average a few thousand dollars. Liability claims can reach six figures. At $13-20/month, renters insurance covers both. The liability portion is the one most renters don't know they need.

Get covered — [email protected]

08/25/2026

Dropping your student at college? The dorm or apartment isn't covered by your homeowners policy the way you think.

Here's the reality:
1) Most homeowners policies extend limited coverage to a student away at school — typically 10% of your personal property limit.
2) Off-campus apartments usually need a separate renters policy.
3) A renters policy for a student costs about $13-20/month.
4) Liability coverage matters more than contents — if your student accidentally causes damage to the apartment or injures someone, liability protects you.
5) Roommates need separate policies — one policy doesn't cover everyone.

Before move-in day, make sure your student is protected.

Student renters insurance — [email protected]

08/24/2026

The Texas Department of Insurance just updated its consumer guidance. Here's what every Texas homeowner and renter should know.

TDI's August 2026 guide covers:
1) Your right to receive a policy summary before you buy — not just the declarations page.
2) Your right to a free look period — typically 10 days to review and cancel.
3) What an agent must disclose about commissions and coverage gaps.
4) How to file a complaint if your agent or carrier misrepresents coverage.
5) The difference between actual cash value and replacement cost — and why it matters at claim time.

This is consumer protection 101. Read it before your next renewal.

Questions about your coverage? [email protected]

08/10/2026

I'm not just selling policies. I'm the person you call when things go wrong.

When the storm hits, when the claim is filed, when the claim is denied and you don't know why — that's when your insurance agent earns their keep. I write policies for Texas businesses and families through multiple carriers. Not because one company has everything right, but because every client's risk is different. The right coverage isn't the most expensive one. It's the one that actually pays when you need it to.

When was your last policy review? If it's been 2+ years, let's talk.

08/09/2026

Hurricane season runs through November 30. Is your business prepared — or hoping?

Checklist:
1) Review commercial property coverage for wind/flood
2) Document inventory and equipment (photos + video)
3) Update business interruption coverage limits
4) Verify commercial auto covers storm damage
5) Create an emergency contact list (agent, carrier, adjuster)
6) Back up financial records to the cloud

Hope isn't a strategy. Preparation is.

Free hurricane prep coverage review for Texas businesses.

08/08/2026

Pet insurance isn't a yes-or-no question. It's a math question.

The framework:
Average emergency vet visit: $800-$1,500
Cancer treatment: $5,000-$15,000
Pet insurance: $25-$50/month ($300-$600/year)

Run the numbers: if you'd spend $5K+ on a pet emergency without hesitation, insurance may not be worth it. If a $5K bill would be a financial crisis, insurance is probably right. It's a personal financial decision — and as a licensed agent, I can help you compare options with the numbers laid out clearly.

Want help comparing pet insurance options? Let's talk.

08/07/2026

TWIA recommended a 0% rate change for 2026. That's good news for coastal property owners.

The TWIA actuarial committee voted to recommend no rate change — residential rates are adequate by 9%, commercial by 4%. Why: the 2025 Texas Legislature reduced TWIA's reinsurance and premium costs, improving rate adequacy. Translation: windstorm coverage along the coast is stable, not surging. If you have coastal property, this is your window to review coverage at stable rates.

Coastal property? Let's review your windstorm coverage.

Address

23144 Cinco Ranch Boulevard
Katy, TX
77494

Website

http://liontrustfinancial.com/

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