SIG F&M Insurance Group

06/24/2026

🏡🚗 Why Work With an Insurance Broker?

When it comes to protecting your home, vehicles, business, and family, having the right coverage matters just as much as having the right price.

As an independent insurance broker, we work for YOU—not the insurance company.

✅ We shop multiple carriers to find competitive rates
✅ We help compare coverage options, not just premiums
✅ We provide personalized recommendations based on your needs
✅ We help you navigate claims and policy changes
✅ We save you time by doing the shopping for you

Insurance isn’t one-size-fits-all. The cheapest policy isn’t always the best policy, and the best policy isn’t always the most expensive.

A good broker helps you find the right balance of coverage, protection, and value so you can have confidence that what matters most is protected.

Let us do the shopping while you enjoy the peace of mind.

📞 SIG F&M Insurance Group
📱 832-299-1520

Your Protection. Our Priority.

06/22/2026

🚗 What Happens If Your Vehicle Is in the Shop After an Accident?

Rental Car Coverage can help keep you moving when life doesn’t go as planned.

If your vehicle is damaged in a covered claim and needs repairs, rental reimbursement coverage may help pay for a rental vehicle while your car is being repaired.

Benefits of Rental Car Coverage:

✅ Helps cover the cost of a rental vehicle
✅ Keeps you on the road while your car is in the shop
✅ Can reduce unexpected out-of-pocket expenses
✅ Provides added convenience and peace of mind

Many drivers are surprised to learn that rental car coverage is typically an optional coverage and may not automatically be included on their policy.

A small addition to your policy today could save you a major headache tomorrow.

Not sure if you have rental reimbursement coverage? Let’s review your policy and make sure you’re protected when you need it most.

📞 SIG F&M Insurance Group
📱 832-299-1520

Your Protection. Our Priority.

06/21/2026

Happy Father’s Day to Tully French, Scott Marder, and all of the fantastic dads out there! 💙

Today, we celebrate the fathers, grandfathers, stepdads, and father figures who lead with love, work hard for their families, and make countless sacrifices behind the scenes. Thank you for your strength, guidance, and unwavering support.

Wishing you all a wonderful day filled with love, laughter, and time spent with the people who mean the most to you. Happy Father’s Day! 👔💙

06/19/2026

🛍️ Boutique Owners: Is Your Business Properly Protected?

You’ve worked hard to build your boutique—from selecting inventory and creating a unique shopping experience to serving your customers every day. Make sure your insurance works just as hard for you.

A Boutique Business Insurance policy can help protect:

✅ Your inventory and merchandise
✅ Store fixtures, displays, and equipment
✅ Liability claims from customer injuries
✅ Business property from covered losses
✅ Loss of income after a covered claim

Whether you operate a storefront, online boutique, pop-up shop, or a combination of all three, having the right coverage can help keep your business moving forward when the unexpected happens.

Don’t leave your dream business unprotected. Let’s review your coverage and create a policy tailored to your boutique’s needs.

📞 SIG F&M Insurance Group
📱 832-299-1520

Your Protection. Our Priority.

06/17/2026

🏠 Do You Own a Rental Property?

A standard homeowners policy may not provide the protection you need once a property becomes a rental. That’s where Landlord Insurance comes in.

A landlord policy can help protect:

✅ The rental dwelling itself
✅ Loss of rental income after a covered claim
✅ Liability claims if someone is injured on the property
✅ Certain property damage caused by covered losses

Whether you own one rental home or multiple investment properties, having the right coverage can help protect your investment and provide peace of mind.

Don’t wait until a claim happens to find out you have the wrong policy. Let’s review your rental property coverage and make sure you’re properly protected.

📞 SIG F&M Insurance Group
832-299-1520

Protect your investment. Protect your future.

06/17/2026

06/15/2026

🏡 Do You Know the 80% Rule?

One of the most overlooked parts of homeowners insurance is the 80% Rule.

In simple terms, your home should generally be insured for at least 80% of its replacement cost—not its market value.

Why does this matter?

✅ Helps you avoid co-insurance penalties
✅ Ensures you have adequate coverage to rebuild after a loss
✅ Reduces the risk of unexpected out-of-pocket expenses
✅ Helps protect your biggest investment

For example, if it would cost $400,000 to rebuild your home, your policy should typically carry at least $320,000 in dwelling coverage to meet the 80% requirement.

Home values and construction costs change over time, so it’s important to review your coverage regularly—especially after renovations or major home improvements.

Not sure if your home is properly insured? Let’s review your policy and make sure you’re protected when it matters most.

📞 SIG F&M Insurance Group
832-299-1520

06/15/2026

📦 Replacement Cost vs. Actual Cash Value: What’s Covering Your Personal Property?

If your belongings were damaged or destroyed today, do you know how your insurance policy would pay your claim?

🔹 Replacement Cost Coverage
Pays to replace your items with new ones of similar kind and quality—without deducting for depreciation.

🔹 Actual Cash Value Coverage
Pays the current value of your belongings after depreciation is deducted. That means you may receive much less than what it costs to buy a replacement today.

For example:
📺 If your 5-year-old television is damaged in a covered loss, Replacement Cost coverage may help pay for a new TV, while Actual Cash Value may only pay what that older TV is worth today.

From furniture and electronics to clothing and household items, the type of coverage you choose can make a big difference when it comes time to file a claim.

Not sure what your policy includes? Let’s review your coverage and make sure the things you’ve worked hard for are properly protected.

SIG F&M Insurance Group
📞 832-299-1520

06/12/2026

🚰 Did you know that the underground service lines running to your home may be your responsibility to repair if they break?

Water lines, sewer lines, gas lines, electrical lines, and communication lines can be expensive to repair or replace—and those costs can quickly add up to thousands of dollars.

That’s where Service Line Coverage can help. This affordable coverage may help pay for unexpected repairs to the underground utility lines that keep your home running smoothly.

A small coverage addition today could save you from a major expense tomorrow.

Want to know if your policy includes Service Line Coverage? Let’s review it together.

📞 Call or text us at 832-299-1520

SIG Insurance Services | F&M Insurance Group

Protect what matters most.

06/10/2026

🚗 New Driver in the Family? Don’t Forget to Let Your Insurance Agent Know!

Getting a driver’s license is an exciting milestone, but it’s also an important time to review your auto insurance coverage.

When a child or other household member starts driving, letting your insurance agent know can help:

✅ Keep your policy accurate and up to date
✅ Avoid coverage gaps or claim issues
✅ Ensure all drivers in your household are properly protected
✅ Identify available discounts for students or driver training programs

Many families are surprised to learn that adding a new driver can affect coverage and premiums. A quick conversation now can help prevent unexpected surprises later.

If you have a new driver—or one getting ready to hit the road—let’s review your policy together and make sure your family is protected .

SIG F&M Insurance Group
832-299-1520