Archives for Texas

Payments Made Easier

August 20, 2010

Number 9 Mosaic courtesy of Flickr user kasthor

At iMGA we’re constantly working to make things easier for our agents. Based on your feedback we’re working hard on our completely new accounting/billing system. In the meantime we’re working to improve the current options as much as possible, and are happy to announce:

NINE (9) monthly payments!

That’s right – almost all of our products (MobileHome, TDP1, TDP3, and HOA/HOA+) now require only 15% down plus policy fee and offer 9 monthly payments – to make things easier on you and your insureds.

To quote those products, the Vacant 6 and 12-month or the Non-Admitted HOA/HOA+/HOB programs, simply log in to the iMGA web site, select “Online Quoting”, choose “Start All Quotes Here” as the Line of Business, and in just a couple moments you’ll have a price you can rely on.

As always, if you have any questions about any of our products, please call Tony at extension 12 or Mike at extension 13 and they’ll be glad to help you.

Categories: Texas Personal Property Insurance Tags: , ,

A Really BAD Cost-Savings Idea

August 12, 2010

This Dilbert cartoon does a good job of showing the type of crazy choices some companies seem to make.

We’re obsessed with making things EASY for our agents, though, so you won’t see us making this kind of choice any time soon.

Plus,  we have a fantastic system provided by the great team at Dragonflyware, so we would never have to make this kind of choice.

If you are a Texas independent insurance agent that sells personal property insurance and haven’t already used our system (where the average time to complete a quote is less than 2 minutes) complete the form for more information on becoming an iMGA agent and we’ll see if we’re a good fit for each other.

Categories: Systems Tags: , , , ,

Stability Matters

August 2, 2010

These days it’s more important than ever to be sure your customers are insured with solid markets that will be there for you – and them – for the long run.

That’s why at iMGA we’re so proud to provide products backed by solid, stable carriers.

The iMGA admitted programs are all underwritten by San Antonio Indemnity Company, an A.M. Best B++ rated carrier that has been doing business in Texas personal property for over 30 years. A.M. Best affirmed SAIC’s rating – and stable outlook – just 45 days ago. Plus, all the programs are backed by well-respected A rated reinsurers.

The iMGA Non-Admitted Homeowners program is backed by Ace and Catlin, two of Lloyds of London’s leading syndicates, both of which are A rated.

So, whether it’s helping provide you with a market for your new MobileHome, TDP1, TDP3, HOA, Non-Admitted Homeowners, or Vacant dwelling customers, or helping you move an entire book, iMGA and our carriers are here for you.

Categories: Texas Personal Property Insurance Tags: , , ,

Vacant Dwelling Program Made Even Easier

July 28, 2010

The iMGA Vacant Dwelling program has been on the street for a couple months now and selling very well. As usual, though, we’ve been listening to our agents’ suggestions for improvements and have already implemented several. Some highlights of the Vacant Dwelling program changes include:

  • Contents coverage is now available
  • Up to 9 dwellings can now be scheduled
  • Up to 10 mortgagees can now be scheduled
  • A roof exclusion is an option if needed
  • Tier 1 coverage is available (as long as the insured has separate wind and flood policies)

Of course iMGA programs can be quoted and bound online, within minutes (literally – please challenge us!) in most circumstances. Should a referral be required our underwriters are fast to respond and will work with you to solve your customers’ unusual needs.

To quote this or any other iMGA program, simply  log in to the iMGA web site, select “Online Quoting”, choose “Start All Quotes Here” as the Line of Business, and in just a couple moments you’ll have a price you can rely on.

As always, if you have any questions about this or any of our other products, please call Tony at extension 12 or Mike at extension 13 and they’ll be glad to help you.

Categories: Texas Personal Property Insurance Tags: , , ,

Coverages Matter

July 23, 2010

Last week we heard the story of a customer who was unpleasantly surprised to learn that the theft of his computer equipment was not covered under the TDP1 policy he’d purchased to cover his home.

In this economy there is pressure to reduce costs as much as possible, but as an insurance professional you know how important it is to be sure your clients are covered – and understand the coverages they’re giving up if they choose to go to a cheaper alternative.

That makes extra coverages more important than ever. Like those automatically included in iMGA’s Non-Admitted Homeowners program:

  • Personal Injury coverage
  • Slab coverage (up to 15% of Coverage A limit)
  • $5,000 mold coverage
  • $5,000 water backup and sump overflow (on HOB only)
  • $2,500 business personal property coverage (with optional additional limits available up to $50,000)
  • $2,500 firearms theft coverage
  • $1,000 loss-assessment coverage (with a $250 deductible)

(And of course the iMGA Non-Admitted HOA/HOA+ and HOB policies include theft coverage automatically and also offer optional personal computer coverage limits up to $7,000 with only a $100 deductible.)

We’ve received a few questions about our forms and coverages lately. Since our mission is to make things as easy as possible for all our agents, we’ll post more information on additional coverages and coverage comparisons between the TDP1/TDP3 and HOA/HOA+/HOB on the web site in the next few days.

If you’re a Texas independent agent who doesn’t yet represent iMGA, apply to become an agent.

Categories: Texas Personal Property Insurance Tags: , , , ,

We’re Working Hard to Make Quoting Easy!

July 15, 2010

At iMGA we understand that independent agencies have many companies they can use, and that each of those companies has multiple products with unique underwriting requirements. With us alone you have MobileHome, Dwelling Fire (TDP1 & TDP3), Travel Trailer, Vacant Dwelling, Remodeler Coverage, HOA/HOA+ (both admitted and non-admitted) and HOB options.

How do you keep all that straight? How do you avoid killing time quoting something that doesn’t qualify for a product?
How do you make sure you offer the insured the best coverage for which they qualify, and in the least amount of time?

Other markets require a time consuming trial and error approach. We like it simple. So, we developed an easy method. If you have ANY Texas Personal Property coverage need, simply login at iMGA.biz, select Online Quoting, and choose StartAllQuotesHere as the Line of Business.

We’ll run you through a very short set of questions to verify which lines of business that specific risk qualifies for, and show you exactly those lines. Then, with the push of a button the information you’ve already entered is transferred over for quoting. With just a few more questions, we’ve looked up the protection class, tax records, and calculated dwelling value for you online, and you have a confirmed quote, with no wasted effort.

Respecting your time and understanding that you have alternatives – just one of the many ways that we’re working to be the easiest personal property market Texas independent agencies have. If you are a Texas independent insurance agent who would like to represent us, please click on “Become an Agent” at the top of the page and complete the form so that we can start to get to know each other better.

Categories: Systems Tags: , , , , ,

Return to Business As Normal

July 1, 2010

We are pleased to announce that – now that Hurricane Alex is dissipating as it moves across Mexico and the risk to Texas has passed – the temporary binding restriction in counties along the coast has been lifted.

Once again you can immediately issue eligible policies in all iMGA products (MobileHome, TDP1/TDP3 Dwelling Fire, HOA/HOA+, Vacant/Renovator and Non-Admitted HOA/HOA+/HOB) across the entire state. Normal eligibility rules still apply, of course. So, please, quote a policy today.

Categories: Texas Personal Property Insurance Tags: , , ,

Hurricane Alex Update

July 1, 2010

It looks like Texas missed the vast majority of the damage from Hurricane Alex as it hit landfall about 110 miles south of Brownsville in Mexico about 9pm CST tonight.

Some limited tornado activity has been spotted in Texas and rainfall levels will be high, but otherwise damages in Texas are expected to be minimal. We are thankful for that.

Categories: Texas Personal Property Insurance Tags: , , ,

Update on Hurricane Alex

June 30, 2010

As of 1pm today, Alex had been upgraded to a Category 1 hurricane and was located about 130 miles south-southeast of Brownsville, TX.

It’s expected to make landfall in Mexico tonight, but hurricane force winds (currently at 85 mph) are expected to extend 60 miles and tropical storm force winds up to 200 miles from the center. Hurricane warnings are now in effect from Baffin Bay, Texas south to La Cruz, Mexico. A tropical storm warning is in effect north of the hurricane warning from Baffin Bay to Port O’Connor.

Alex is expected to produce 6-12 inches of rain in parts of south Texas through Friday. Isolated tornadoes are possible in the same area today and tonight.

If you’re in or near the affected areas, please stay tuned to your local weather and take precautions as necessary. Our thoughts are with you.

Categories: Texas Personal Property Insurance Tags: , ,

Tropical Storm Alex the First of the Season

June 29, 2010

Hurricane season just started and there’s already a tropical storm potentially threatening at least part of the Texas coast.

So, effective immediately and until further notice, additional exposure cannot be bound in the following counties in any line of business (MobileHome, TDP1/TDP3 Dwelling Fire, Admitted HOA/HOA+, Vacant or Non-Admitted HOA/HOA+/HOB):

Angelina, Aransas, Atascosa, Austin, Bastrop, Bee, Brazoria, Brooks, Caldwell, Calhoun, Cameron, Chambers, Colorado, De Witt, Duval, Fayette, Fort Bend, Galveston, Goliad, Gonzales, Grimes, Guadalupe, Hardin, Harris, Hidalgo, Jackson, Jasper, Jefferson, Jim Hogg, Jim Wells, Karnes, Kenedy, Kleberg, La Salle, Lavaca, Liberty, Live Oak, Matagorda, McMullen, Montgomery, Newton, Nueces, Orange, Polk, Refugio, Sabine, San Augustine, San Jacinto, San Patricio, Starr, Trinity, Tyler, Victoria, Walker, Waller, Washington, Webb, Wharton, Willacy, Wilson, Zapata

Also, additional exposure cannot be bound in the following counties for the Non-Admitted HOA/HOA+/HOB line of business:

Bandera, Bexar, Blanco, Brazos, Burleson, Caldwell, Cherokee, Comal, Dimmit, Frio, Hays, Houston, Kendall, Lee, Leon, Madison, Medina, Milam, Nacogdoches, Panola, Robertson, Rusk, Shelby, Travis, Trinity, Uvalde, Williamson, Zavala

We will let you know as soon as we can resume business as usual. In the meantime, our thoughts are with those who might be affected.

Please visit our web site for policy status, endorsements or quoting, or call Mike at 512.494.4161 x13 or Tony at x12 if you have any questions.

Categories: Texas Personal Property Insurance Tags: , , , , ,
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