You May Have More Risk Than You Think

You May Have More Risk Than You Think

Most Texans have risks associated with their wealth and need the right insurance to manage that risk

When we think of high net worth people, most of us tend to think of CEO’s, athletes, or celebrities.  However, what we fail to realize is that you do not have to be a CEO to have personal risks.  In 2018, over 3 million people increased their net worth to over a million dollars.  Even if your net worth is well under a million dollars, you have considerable personal risks.  We can help you manage all your personal risks.

  • Do you own a boat, motorcycle, or other recreational toys?  If so, you need to make sure these assets are covered correctly.  We would also recommend a personal umbrella policy to cover your increased risk of injury to third parties.
  • Smart technology. Almost everyone is getting smart cars or homes. This could include a smartwatch, video systems in your home, the Nest thermostat and more.  All these items should be insured, and you will want to talk to our team about these.
  • Vacation homes or condominiums.  According to the National Association of Realtors, 46% of vacation homes purchased in 2015 were in the South and 25% in the West, both of these areas are hotbeds for wildfire activity.
  • Jewelry, guns, and other collections.  If you have a gun collection or expensive jewelry, you will need to have these insured separately.  

We can help you find the best company to fit your needs and settle your claims quickly. At Heaton Bennett Insurance, we will help you find the perfect match for your specific needs.

Homeowner policies will differ based on a number of factors like location, the value of your belongings, and which coverages you choose. A comprehensive plan will cover you financially if you have a loss due to fire, theft or other events. Homeowner's insurance also provides liability coverage against accidents in the home or on the property.

At Heaton Bennett Insurance, our home insurance specialists will develop a custom package tailored to your specific needs and risks. We provide you with access to numerous top-rated companies and will work with you to find the best fit at a great price. We can quickly compare rates to ensure you don't have any gaps in coverage down the road.


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