Caballaro Agency

Got a call this week from a homeowner whose mortgage company switched their insurance without asking. New policy looked cheaper on the dec page.

Turned out the dwelling coverage was off by a real amount. Replacement cost was understated. The "savings" was a coverage cut in disguise.

If you got a mortgage notification recently about insurance changes, double-check the policy. Sometimes cheaper isn't cheaper.

Most business owners don't know they can change their group health plan outside of open enrollment.

If your renewal is coming in higher than last year, you don't have to wait. Special enrollment, plan amendments, mid-year switches. All on the table when the numbers stop working.

This is what we do for groups of 2 to 50 employees. If your last quote felt like a shrug, let's run a real comparison.

281-660-8741.

This is what a Monday looks like at the agency.

A few new home quotes this morning. A couple commercial calls. One client renewal where we made the numbers work better than expected without dropping coverage.

The fun part of independent broker work: I work for you, not the carrier. When the numbers stop making sense, we move you. No hard feelings.

Most Houston business owners are building a tax time bomb in their 401(k).

Tax-deferred means you’re just delaying the bill.
Strategy: Pay tax on the seed, not the harvest.

DM me “TAX” for a strategy review. No charge. No pitch.

Quick question: when's the last time you actually read your homeowners policy?

Three things worth checking today:

1. Dwelling coverage limit. Are you covered for what it would cost to rebuild today, or for what you paid 10 years ago?
2. Personal property limits. Most homeowners are underinsured on contents by 30 to 40 percent.
3. Liability. $100K is the default. For most Houston homeowners I see, $300K is the right number.

Five minutes. Could save you everything.

Si tienes una pregunta de seguro y prefieres hablar en español, lo entiendo. Mi familia es de Argentina y crecí hablando los dos idiomas.

Insurance is complicated enough in any language. If you'd rather have the conversation in Spanish, llámame.

281-660-8741.

Don't switch auto policies the day your renewal hits.

If you switch with a coverage gap of even 1 day, the new carrier flags you as "previously uninsured." Higher rates. Sometimes much higher.

The right move: start the new policy 1 to 3 days BEFORE the old one expires. Zero gap. Better pricing.

Most people don't know this. Now you do.

Texas hail damage is the #1 reason homes in Harris County file roof claims.

Two things most homeowners get wrong:

1. They wait too long. Most policies require you to file within 12 months of a covered loss.
2. They settle for ACV (actual cash value) instead of replacement cost. ACV pays the depreciated value. RCV pays to put the new roof on.

Read your dec page. It tells you which one you've got.

Big investment firms have a massive blind spot: they only see what’s liquid.

If it’s not sitting in a brokerage account, firms like Merrill or Goldman usually don’t count it. But for most Houston business owners, your biggest asset isn’t your bank balance: it’s the business you’ve spent years building.

Ignoring your business value isn’t just an oversight: it’s a planning failure.

At Exponent, we do things differently.

We focus on your total net worth. That means your business value, your real estate, and your investments are all part of the same strategy. Our mission is "You to the Power of (?)": we help you solve for that exponent to maximize the growth of everything you’ve built, not just your cash on hand.

Plus, we operate on a flat-fee model. We aren't incentivized to move your money around just to collect a percentage of your portfolio. We’re here to give you objective, high-level advice on your entire empire.

Stop letting big firms ignore your life’s work.

Send me your current plan or a summary of your holdings. I’ll flag the gaps and show you what a total net worth strategy looks like. No charge.

Houston hurricane season opens June 1. Reminder: standard home insurance does NOT cover flood damage. That's a separate policy.

Right now flood premiums are still on the lower end of the year. By August, when storms get real, prices firm up and waiting periods stretch.

If you don't have flood, this is the month to fix it.

Questions? 281-660-8741.