Mark Rafail on Great Day Houston
Christina Kooker:
Great day Houston plus sponsored by Mark Rafail insurance agency. Welcome to Great Day Houston, I’m Christina Kooker. Today. We’re going to be talking about insurance and the what if game. 50% of consumers and businesses do not carry three of the most important coverages that can save your life financially. Here for the answers is Houston Chronicle named best insurance agency for 2020 in Houston, Mark Rafail with Rafail Insurance. Okay, Mark. So what if you don’t live in a flood zone, but you flood.
Mark Rafail
We all live in a flood zone and there’s a lot of people out there that say, Hey, I don’t live in a flood zone. I don’t need flood insurance. The reality is FEMA is so far back on re-zoning. It’s technically low-risk and high-risk, and we’re all either in a low-risk or high-risk zone. And with the apartment complexes going up, freeways and unpredictable weather. It could flood anywhere anytime. So we’re shooting ourselves in the foot in Houston and greater Houston If we don’t carry a basic FEMA flood insurance policy on our business.
Christina Kooker:
What if something happens that you would have never imagined
Mark Rafail
You’re right. Christina, anything could happen to good people. God forbid you get in a serious accident and, you know, imagine it’s your family and they’re in the hospital. Or God forbid, there’s a casualty. Having a personal or business umbrella policy is your lawyer. And it’s the cheapest lawyer you can get. You know, it covers you up to an extra million dollars. at the very least, over any of your insurance. That gets exhausted from a liability perspective and Christina, believe it or not personal umbrella policies on average are around $30 to $50 a month. And that’s a lot easier to pay than a million.
Christina Kooker:
Now, Mark, I want to play the did you know game.
Mark Rafail
Sure. Um, I would say the biggest thing is, did, you know, work benefits are not owned by you. Essentially life insurance. So having your own life insurance outside of work benefits is actually primary, uh, and work benefits are secondary. So I always tell people while you’re young, healthy and insurable, because the second you gp the doctor and your diagnosed with something, you could become uninsurable with everybody. So having your own life insurance to at least replace your income and pay off debts or take care of the business is highly recommended, especially if you have some responsibilities to others.
Christina Kooker:
And finally, did you know that Rafail Insurance is one of the top farmers insurance agencies from business, flood, umbrella, and life in the country, Mark, that’s huge. How can people get ahold of you?
Mark Rafail
Christina? Thank you. Uh, people are welcome to call us during the week, Monday through Friday at (713) 429-1790. Or they can contact us on our website at rafailinsurance.com and schedule a phone or zoom call with myself.
