Michele Sanders, Insurance Agent

Experience With A Personal Touch to Help You Protect What Matters Most

Michele M. Sanders is a licensed, independent insurance agent located in Richmond proudly serving the great states of Texas and Minnesota. Founded on the philosophy that offering personal service based on honesty, integrity and compassion is the best way to earn business and keep it. By offering quality coverage and exceptional service, I am committed to finding the right insurance solutions for you and your family - at the best value for your premium dollar! I sincerely appreciate the opportunity to earn your business. Please contact me and let's chat about how I can help you!

Mission: My mission is to help my clients navigate the risks and unexpected events of everyday life and secure their dreams for the future.

Hurricane Harvey Rumor Control | FEMA.gov

Friends - there is a lot of misinformation being spread about assistance with Hurricane Harvey. Please check out the FEMA site for some good information. Stay safe! And call on me if I can assist you in any way!

fema.gov There is a lot of misinformation circulating online and because rumors spread fast please tell a friend, share this page, and help us provide accurate information. Check here often for an on-going list of rumors and their true or false status.

Michele Sanders, Insurance Agent

It's the LAW in Texas as of today ... no texting and driving!

It's the LAW in Texas as of today ... no texting and driving!

[09/01/17]   Texas Friends - Fort Bend County, in its entirety, is a presidential-declared disaster area. You are eligible for FEMA assistance. Please register online at disasterassistance.gov or by phone at 800-621-FEMA (3362). While the phone bank is well staffed, please be patient as there are a huge number of people affected by this storm. You may want to consider registering online to submit your information and gain information to your questions. If I can be of assistance, don't hesitate to contact me. Stay safe! #TexasStrong

Friends- a word of advice to help you protect yourselves. Please contact me if I can help!

[08/29/17]   FALSE INFO! There are reports spreading about a deadline to file insurance claims, etc. THIS IS NOT TRUE! There is no change to how or when to file insurance claims, and there is certainly not a deadline of August 31. If you look at the sites spreading this gibberish, it is mostly lawyers! PLEASE... take care of your families, be safe. You have enough to worry about without adding this to it. I will be assisting my clients with any claims, and if anyone else has any questions please contact me.

[08/28/17]   Texas friends - Flood waters are devastating and can change very rapidly. Please follow these Flood tips and remain safe. If we can help, please call on us.

Monitor local radio and television (including NOAA Weather Radio), internet and social media for information and updates.

Get out of areas subject to flooding and get to higher ground immediately.

If told to evacuate, do so immediately. Be sure to lock your home as you leave. If you have time, disconnect utilities and appliances.

Don't go into a basement, or any room, if water covers the electrical outlets or if cords are submerged. If you see sparks or hear buzzing, crackling, snapping or popping noises --get out! Stay out of water that may have electricity in it!

Do not walk through flood waters. It only takes six inches of moving water to knock you off your feet. If you are trapped by moving water, move to the highest possible point and call 911 for help.

Do not drive into flooded roadways or around a barricade; Turn Around, Don't Drown! Water may be deeper than it appears and can hide many hazards (i.e. sharp objects, washed out road surfaces, electrical wires, chemicals, etc). A vehicle caught in swiftly moving water can be swept away in a matter of seconds. Twelve inches of water can float a car or small SUV and 18 inches of water can carry away large vehicles.

[08/27/17]   Flooding can creep up over days or strike suddenly in a flash flood. During a flood, you should take care to protect your home and family from the rising threat of flood waters.

What to do during a flood:

Listen to NOAA weather radio for flood warnings and flood reports.
Be prepared to evacuate immediately in case of flash flooding. If a flood warning is issued in your area, head to higher ground.
Do not move into floodwaters. Even relatively shallow water (6″) can cause you to lose your footing if it’s moving swiftly.
Do not drive on flooded roads. Cars can be swept away by less than two feet of moving water.
Avoid swimming or playing in flood water, as it may be contaminated or contain hazardous chemicals, even dangers including snakes or debris.

After the initial threat of flooding has passed, deep waters and threats may remain. Flood waters can contain hazards, and roads may be dangerous to drive on. Your home’s structure may also be compromised. Be on the alert for dangers following a flood.

What to do after a flood:

Listen to NOAA weather radio for further alerts.
Avoid moving water and flood waters, as they may contain hazards.
Inspect your home for damage, including loose power lines, cracking, collapse, and damaged gas lines. Be sure that your porch roof or overhangs still have their supports.
Watch carefully for downed power lines, and be sure not to step in standing water.
Discard any food that came in contact with flood water.
Do not use tap water until local officials have deemed it safe to use. You may need to boil or treat your water before use.
Clean and disinfect all wet areas, as flood water can leave behind sewage and chemicals. Remember to wear protective clothing during cleanup.
Be on the alert for animals, especially snakes, that may have entered your home with flood waters.
If your home is flooded, turn off your electricity at the main breaker box.
Use your phone only for emergencies. You can check in with family on the American Red Cross Safe and Well website.

[11/21/15]   It's National Adoption Day! May God bless the children and those that will open their hearts to provide them a forever home!

My sincerest gratitude to all the men and women who have served our country, and to their families who have sacrificed so much for my protection and freedom. Thank you! Happy Veterans Day!

Happy 240th Birthday to the United States Marine Corps!

When decorating for the holidays do you decorate with bedding too?

Experiencing sticker shock from your latest health insurance renewal? I can help! (832) 328-6704 MicheleMSanders.com

FALL BACK! Remember to turn your clocks back one hour tonight. Enjoy that extra hour of sleep!

HAPPY HALLOWEEN! Have a safe and fun evening. Please watch carefully for trick-or-treaters!

Texas and Minnesota Friends - Need an insurance agent who can customize a policy just for you? I can help! MicheleMSanders.com

Be sure to use your smile to change this world. But don't let this world change your smile! Happy World Smile Day!

Puzzled by your home insurance needs? We can help you put the pieces together! (832) 328-6704 www.MicheleMSanders.com


How to Stay Safe as Joaquin Nears U.S.

For our friends on the coast: While the path is uncertain, it is always good to be prepared. Stay safe!

redcross.org The American Red Cross is getting ready to respond to Hurricane Joaquin if needed and urges residents who may be in the path of the storm to get ready too.



The 20 Best Foods to Eat for Breakfast

The next time you rush out the door in the morning without something to eat, consider this: Skipping breakfast can set you up for overeating later in the day. A healthy a.m. meal, on the other hand, can give you energy, satisfy your appetite, and set the stage for smart decisions all day long.

health.com These 20 staples and mix-ins will give you all the energy and nutrients you need in the morning.

[07/23/15]   I love what I do! I just helped a family improve their coverage AND save them over $800 on their auto insurance! I'd love the opportunity to see what I can do for you - contact me for your no obligation quote today! (832) 328-6704 or MicheleMSanders.com


What To Do After a Car Accident - Cars.com

Things can be chaotic immediately after a crash, but following some basic steps can make filing your claim a little easier.

cars.com Things can be chaotic immediately after a crash, but following some basic steps can make filing your claim a little easier:


Fireworks Safety Rules and Tips for Families

Even the most harmless-seeming fireworks can cause injury. Please flow this advice and keep your family safe.


www.parents.com Even the most harmless-seeming fireworks (yep, sparklers!) can send a child to the E.R. Keep your family safe this July 4th -- or any time you want to enjoy some fireworks -- with this important advice.

Wishing all of you wonderful fathers, dads, and da-das a very Happy Fathers Day! Enjoy your special day!

Tired of paying too much for your home and auto insurance? Do you even know if you're paying too much? Contact me today for a review of your current coverage and see how much you can save! (832) 328-6704 www.MicheleMSanders.com


Is Your Dog Afraid Of Storms? Read These 6 Tips!

This spring has certainly brought many thunderstorms to our area. Here are some tips to keep our furry friends comforted during the storm.

blog.theanimalrescuesite.com Springtime is finally here! Spring brings flowers, sunshine, green grass, and, much to the dismay of your pup, thunderstorms...

"Don't be pushed by your problems. Be led by your dreams."

Houston friends- if your car was towed due to floods, check here to locate your car.


Road closures across southeast Texas

abc13.com Flooding rains have some Houston-area roads with high water


Road closures across southeast Texas

KTRK Channel 13 has compiled a list of Houston roadways under water and areas to avoid. It's best to stay put but if you must travel please check the list and find alternate routes. Be safe!

abc13.com Flooding rains have some Houston-area roads with high water

Michele Sanders, Insurance Agent

It only takes a few inches of swiftly moving water to carry vehicles away. Please do not attempting cross flooded roadways. Be safe!

[05/26/15]   It only takes a few inches of swiftly moving water to carry vehicles away. Please do not attempting cross flooded roadways. Be safe!

[05/19/15]   "You are never given a dream without also being given the power to make it come true." ~Richard Bach

Puzzled by your home insurance needs? We can help you put the pieces together. (832) 328-6704 MicheleMSanders.com

Drowsy driving—it's more dangerous than you think. Still, many of us do it, unknowingly endangering the lives of others. Find out more about drowsy driving and learn how to avoid it with these facts and tips.



Spring Home Prep and Maintenance Inside and Out

Are you selling your home? Here's good info on home prep and maintenance. Good checklist even if you're not selling your home!


realtytimes.com The spring real estate market is picking up. Is your home ready for the many buyers who will see it in the coming days? It's imperative that your home stands out among all of the others so you'll get the best offer possible. Don't leave one stone unturned -- inside or out -- when it comes to spring…

It's here! What could arguably be the most dreaded day of the year. Have you done your taxes yet?

On this day in 1828 the 1st edition of Noah Webster's dictionary published. Do you still use the book, or online?

We are pleased to welcome Jolie Zulkowski as our newest Sales and Client Service Representative.

Jolie has over 14 years industry experience with leading companies and brings a special enthusiasm and passion for developing relationships with her clients. She wholeheartedly enjoys educating her clients about their coverage, helping them save money, and most importantly understanding their needs!

Jolie and her family have established strong roots in the Rosenberg community. She cherishes her family time and especially enjoys being “Gigi” to her wonderful grandchildren! An avid animal lover, Jolie plays “Mom” to three Shih Tzu she’s crazy about.

We are proud to have Jolie join the MMS team and are confident she will provide the best service to exceed our client’s expectations and bring great value to our team!

[04/14/15]   "Our thoughts and imagination are the only real limits to our possibilities." Where will your imagination take you today?

If you were gone today, what do you want for your loved ones tomorrow? I can help you review your Life coverage to ensure it's everything you need. Please call me at (832) 328-6704.

[02/11/15]   Houstonians... the fog is thick, visibility is low... please please TURN ON YOUR LIGHTS to others can see you. Be safe out there and have a blessed day!

[01/29/15]   Question of the day... "How old would you be if you didn't know how old you are?"


8 Tips for Keeping a Fire Safely in its Fireplace | The Foremost Blog

When is the last time your fireplace was inspected? 8 tips to keep your family and home safe while enjoying a fire. http://ht.ly/GWWpO

blog.foremost.com Any homeowner with a fireplace knows that desire for a crackling fire also requires a lifetime commitment to make sure that fireplace is in proper working order. And if you didn't know, here are the basics of preventative wood burning fireplace maintenance, according to the HPBA.

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