Perry Hunter Hall Insurance Agency

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Wildfire season is here, and ensuring that you and your loved ones are prepared is a crucial step. Beyond memorizing eva...
08/27/2026

Wildfire season is here, and ensuring that you and your loved ones are prepared is a crucial step. Beyond memorizing evacuation routes and packing a go-bag, reviewing your homeowners and auto insurance policies can be a key step to help prepare in case the worst were to happen.

That said, it’s a good idea to confirm that your homeowners or renters policy covers fire, smoke, and ash damage, and check your auto policy if you want coverage for your vehicle as well, since that typically falls under a comprehensive auto policy rather than homeowners coverage.

Additionally, look at your additional living expenses limits and ask yourself honestly whether they would cover your costs if you were displaced for several weeks or longer.

If you have questions about your current coverage, or if you want to talk through layering on policies to help protect your belongings in case of a wildfire, don’t hesitate to reach out to our team. We are here to help protect what you have built.

Telematics insurance promises lower premiums for safe drivers, and in many cases, it delivers. But whether it is worth s...
08/25/2026

Telematics insurance promises lower premiums for safe drivers, and in many cases, it delivers. But whether it is worth signing up for depends on more than just your driving record. Swipe through to get a clearer sense of what these programs involve and what to weigh before you decide.

If you have questions about your auto insurance policy or if a telematics policy fits your needs, give us a call today. We are here to help.

If you have ever wondered what would actually happen to your payout after a covered loss, the answer often comes down to...
08/21/2026

If you have ever wondered what would actually happen to your payout after a covered loss, the answer often comes down to one question: Does your policy use replacement cost value or actual cash value?

These two coverage types work very differently, and understanding them can save you from a costly surprise when you file a claim. Swipe through for a clear breakdown of each.

Have questions about your current coverage or which option is right for you? Give us a call today.

From ransomware and phishing to vendor outages, cyber incidents are now among the most common causes of business disrupt...
08/18/2026

From ransomware and phishing to vendor outages, cyber incidents are now among the most common causes of business disruption. The impact can extend well beyond IT, affecting operations, revenue, and reputation. Recent data shows billions of dollars in reported cyber losses each year, with some individual incidents costing millions.

Swipe for a brief overview of how cyber insurance can help protect your business against this threat.

If you’re not sure how your current coverage would respond to a cyber event, now is a great time to review it. Our team is happy to help you walk through your options and make sure your business is properly protected.

Getting married means building a life together, and protecting it should be part of the plan. Life insurance is one of t...
08/17/2026

Getting married means building a life together, and protecting it should be part of the plan. Life insurance is one of the most important ways to help safeguard your shared financial future and provide stability no matter what comes next. Swipe for some key life insurance considerations for newlyweds.

Starting your journey together with the right protection in place can make all the difference. Contact us today to learn more about your life insurance options and find coverage that fits your goals.

With back-to-school season top of mind and August being National Traffic Awareness Month, our team wanted to take a mome...
08/13/2026

With back-to-school season top of mind and August being National Traffic Awareness Month, our team wanted to take a moment to share some practical road safety reminders for this time of year.

The return to school brings one of the most significant changes in daily traffic patterns of the entire year. A few moments of extra caution can make an enormous difference. Swipe for a few traffic safety considerations for both motorists and parents of young children to keep in mind as back-to-school season approaches.

By staying alert, following the rules, and looking out for the most vulnerable people on our roads, we can all play a role in keeping the roads safe this school year.

Please feel free to share this with anyone in your network who might benefit from these reminders. And if you ever have questions or need assistance, we are always here to help leverage our expertise for your benefit.

Running a business comes with no shortage of moving parts — and making sure you're protected from the unexpected is one ...
08/04/2026

Running a business comes with no shortage of moving parts — and making sure you're protected from the unexpected is one of the most important pieces of the puzzle. That’s where commercial umbrella policies come in.

Swipe to learn more about how this coverage works and whether it's right for your business.

If you'd like to talk through whether a commercial umbrella policy makes sense for your business, know that we are always happy to help. Feel free to give the office a call today.

Before the grill is lit and guests begin to arrive, it’s worth asking an important question: If an accident happens on y...
07/28/2026

Before the grill is lit and guests begin to arrive, it’s worth asking an important question: If an accident happens on your property, is your current homeowners coverage prepared to respond?

Swipe to see some insurance considerations to keep in mind before you host a party this summer.

If you are planning to host this summer, now is the time to review your coverage and identify any gaps. Give us a call today. We’re here to help make sure you’re ready to welcome guests to your home this summer.

Have you heard of Employment Practices Liability Insurance (EPLI)? This key coverage can be crucial in workplace-related...
07/23/2026

Have you heard of Employment Practices Liability Insurance (EPLI)? This key coverage can be crucial in workplace-related claims tied to how you hire, manage, and support employees.

EPLI is designed to help protect your business against certain workplace-related claims, including wrongful termination, discrimination, harassment, retaliation, and decisions regarding hiring and promotions. These claims can be time-consuming, costly, and disruptive, regardless of a company’s size. Additionally:

✅ A single claim can lead to significant legal expenses, even if no wrongdoing is found.
✅ Leadership time and attention may be pulled away from running the business to handle a legal proceeding.
✅ Claims can involve not only employees, but also customers, vendors, or other third parties, depending on the situation.
✅ Situations can escalate quickly, especially when there are differing perspectives or limited documentation.

EPLI can help provide a financial backstop so one issue doesn’t disrupt your day-to-day operations or long-term plans.

If you would like to talk through adding EPLI coverage to your current portfolio or simply review your existing coverage, our team would be happy to connect and answer any questions you may have. Give us a call today, and we can get started.

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an ...
07/21/2026

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

Address

San Angelo, TX

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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