The time has come…do I keep renting, or do I buy? I've been renting various apartments for most of my life because it's been easy and convenient. However, since I've decided to stay in my city long-term, there's no reason not to start looking at homes on the market. From a financial perspective, it's a lot smarter. I would rather build equity with a home than continue to pay for something I'll never own. I was talking with a friend about home ownership, which is when she mentioned getting a condo, instead! The more I considered it, the more I started warming up to the idea of living in one - so I decided to make a pros and cons list for you and me!
Pros of owning a condo:Amenities at my leisure.Along with owning a condo, you have several different condo amenities available to you, which may include a fitness center, pool and play area for children.
No more outdoor maintenance.The last thing I want to do when I get home from work is mow the grass and work on landscaping. Thanks to the homeowner association, I will no longer have to do any yard or exterior work on my building (that includes the roof!). Also, depending on your association agreement, they may also cover snow removal.
Lower price tag.Buying a condo is more affordable than buying a single-family home. The number, of course, depends on the size of the condo, and the cost of living in the area.
More Security.Certain condos provide gated entries, doormen, or even security guards for their residents. This is very important for someone who lives alone. Also, being in close proximity to your neighbors is beneficial if you ever have an emergency or feel like you're in danger.
Cons of owning a condo:Homeowners' association fees.All of those fabulous amenities, maintenance and other services are only available because of the HOA fees you have to pay every month. Yes, this is on top of paying your mortgage. The fees can range from a $200 to a thousand dollars or more a month and can be raised at different times throughout the year.
You must live by the rules.Condo associations have a set of rules to keep the building well-kept and everyone happy. The rules are often things like no loud music after 10 p.m., keeping up the appearance of your home at all times, and in some cases, no pets allowed. They can even enforce what color they want to paint the exterior of your condo, and you have no say in the matter.
Not as private.You are very close to your neighbors, so sometimes it can feel like nothing is private. Along with sharing walls, you share parking, pools, tennis courts, etc. There are probably times it will have the same feel as living in an apartment. There is such a thing as detached condos, but that comes with a higher price tag.
Condos appreciate at a slower rate.This is because when you own a condo, you don't own any land, which is a key factor that increases a home's value. Instead, you only own the inside of the unit. I don't plan on living in a condo forever, so this was a big thing to consider.
In addition to my list, I'm getting some insight from people who currently live in condos to hear what they like, and don't like. If you currently live in a condo, feel free to share your experience in the comments below!

1. https://money.usnews.com/money/personal-finance/articles/2016-06-26/3-reasons-to-buy-a-condo-and-3-reasons-to-beware
2. https://www.moneycrashers.com/pros-cons-buying-condo/

When it comes to towing trailers, whether for work or recreational purposes, having the right trailer hitch is crucial for ensuring safety and efficiency. Trailer hitches are devices that enable a vehicle to tow another by providing a secure connection between the two. There are various types of trailer hitches available, each designed to suit different towing needs. In this guide, we'll delve into the world of trailer hitches, discussing the various types, their classifications and some things to know to help you choose the right one for your specific requirements.
What types of trailer hitches are there?Trailer hitches generally come in three basic styles: receiver, fifth-wheel and gooseneck.
It's said that receiver hitches are the most common, and they're broken up into five classes.
What are the classes of trailer hitches?Some experts in the field explain the five classes as follows:

1. Class 1 Trailer Hitch:Designed for light-duty towing and typically used for small trailers, such as bike racks and lightweight cargo carriers. They have the lowest towing capacity among all classes, making them suitable for compact cars and sedans.
   
2. Class 2 Trailer Hitch:Offers a step up in terms of towing capacity. They are often used for towing small trailers and boats. Vehicles with a Class 2 tow package can tow a bit more weight than those with a Class 1 hitch. This class is suitable for midsize cars, SUVs and crossovers.
   
3. Class 3 Trailer Hitch:One of the most common types and ideal for towing larger loads. They are often used for towing medium-sized trailers, including travel trailers, larger boats and small campers. Class 3 hitches are commonly found on SUVs and trucks and offer a significant increase in towing capacity compared to Class 2 hitches.
   
4. Class 4 Trailer Hitch:For heavy-duty towing needs, a Class 4 hitch might be the way to go. These hitches are meant to handle larger trailers, such as heavy-duty campers, horse trailers and larger boats. Trucks and full-sized SUVs are usually equipped with Class 4 hitches due to their substantial towing capabilities.
   
5. Class 5 Trailer Hitch:The biggest of the bunch, Class 5 trailer hitches are made for super-duty purposes, and they're commonly found on commercial work trucks. If you need one of these, you should also look into whether you need a commercial auto insurance policy.
   

What class hitch do I need?The type of hitch you need depends on the specific trailer you plan to tow. For most midsize SUVs and trucks, a Class 2 or Class 3 hitch may get the job done. However, if you have a larger travel trailer or plan to carry additional cargo, upgrading to a Class 4 hitch might be necessary. That said, if you still don't know, consider contacting an expert.
Will my car insurance cover my trailer?
There is no one-size-fits-all answer to that question. If you want to make sure you are financially protecting your vehicle, trailer and belongings, it may be best to speak with a licensed agent who knows the ins and outs of insurance. And if you don't know where to look to find reputable agents, consider searching through our agent locator tool. This tool gives you the option to enter your ZIP Code and find insurance agents near you. And the best thing is, if you have other toys that you tow like a boat, motorcycle or even an ATV, they can help you find coverage for those too!

Content courtesy of Foremost Insurance Company. 

You may overlook your roof, but it's one of the most important structures of your home – and the most vulnerable. It protects you from the elements like rain, snow and sun, but it won’t last forever!

It’s important to check your roof a couple times a year to make sure incremental damages don’t become serious problems. Healthy roofs can help prevent storm and hail damage, and consistent repairs could potentially save you money in the long run. Keep reading to learn what signs to look out for to help determine if your roof needs repairs, or replacement.

How long does a roof last?
According to many sources, like Good Housekeeping magazine, shingle roofs should last between 15-30 years (if you have a different type of roof, such as metal or clay tile, you may have to follow different rules). If your home is new or the roof was recently replaced, you should be in the clear. However, it doesn't hurt to do a checkup after getting hit with severe weather like a hailstorm, ice and snow, strong winds, or crazy rain.

What are some signs of roof damage?
Depending on the type of roof your home has, the signs of damage may vary. Asphalt shingle roofs are said to be especially susceptible to wind damage; they can be a cost-effective option, but they’re lightweight and may require more frequent maintenance. You’ll want to be aware of loose or missing shingles, or moss or algae growing on the roof. Other roof types, such as metal or concrete tile, can offer greater protection due to their durability, meaning the roof can withstand higher winds and stronger weather before risking damage. For these roofs, you will want to watch out for cracks, clogged gutters and signs of water damage from leaks.

Regardless of your roof type, frequent inspections can help prevent long-term damage, catching leaks, cracks and rot early in the process. Some professionals recommend checking your roof twice a year – once in the spring, and once in the fall – to help ensure your roof is ready to withstand more severe weather during winter and summer storm seasons.

Here are six warning signs that you may have roof damage:

Loose or missing shingles

​Wind and hail can cause serious damage to your roof, especially if you have a shingle roof. By regularly checking the shingle tabs on your roof, you can potentially catch minor damages before it causes a larger issue – like leaks, ceiling damage, or flooding.

Cracked or curling shingles

As roofs age, heat and moisture can cause shingles to crack or splinter. You may be able to see this from the ground. The shingle can curl up at the edges, preventing efficient sealing from rain, snow and debris. Durable shingle roof materials, such as slate or concrete, are less susceptible to warping, and could be a good investment if your area experiences large volumes or rain or high temperatures. Metal roofs don’t have shingles, but it’s still important to check for cracks or curling edges to help ensure a proper seal from the elements.

Shingles covered in moss or algae

Built to withstand the elements, roofs provide a barrier between your home and the world around you. But they are still susceptible to damage from vegetation and debris, such as moss and algae. These small plants prefer dark and humid environment, and the ridges of a roof provide an inviting home. As the plants grow beneath your roof shingles, they can cause gaps in the sealing structure, leading to water damage or broken/missing shingles. It could help to consult a roof professional if you have vegetation growth on your roof to see if there are options to prevent further damage.

Holes or water damage in attic

You may love to see the sun shining, but not through the roof. If you have an attic space in your home, it can be helpful to check the roof from inside. If you notice sun shining through the roof, you may want to check outside to see if there is damage to the shingles in the area or a crack in the roofing material. Signs of water, molding or rotting in your attic may also be a sign that there is a problem with the roof. A roof specialist can help determine where the damage originated.

Extensive leaking

Leaks and unexpected water damage are one of the most tell-tale signs of issues with your roof. All types of roof damage have the possibility of breaking the roof’s seal, creating an opportunity for water and snow to get through and collect in your home. Ceilings may become discolored or stained, begin to warp, or show signs of rot and molding. If you notice any of these signs, it’s helpful to contact a specialist as soon as possible, as damage has already begun to occur.

According to Home Advisor, a roof replacement can range anywhere from $6,000 to $12,000. The size of your home, the materials used and your location will affect that price range. It's no small sum, but in return for the investment, you'll likely add thousands of dollars to the resale value of your home and ensure a safe and habitable dwelling for years to come. Don't need a new roof right now? Do a quick check at least twice a year to see if maintenance is needed. If you notice problems like missing shingles or signs of water damage, it would make sense to call a roofing specialist to make the repairs as soon as possible – it could save you a bundle by prolonging the life of your roof and stopping costly leaks in their tracks.

Content courtesy of Foremost Insurance Company

Many memories in Texas are made camping, and a lot of those might include being in a tent or even a camper. Travel trailer camping is popular for good reasons such as space, towability and accessibility. But whether you're new to the concept or have already had a few adventures (including tailgating!), these handy tips can serve as reminders for a better outdoor experience:

• Park it - Have your travel trailer parked in your driveway or lot a couple days before the trip. This will allow for easier packing, plus getting things such as a refrigerator up and running.
• Pack it - As mentioned, you can start packing early to save time in the long run. Items such as clothing, bedding and non-perishable food items can be stored ahead of time. Using tote bins to pack and stack items can be a great space saver! Also remember to bring a tool kit and first-aid kit, which you might need in case of an emergency.
• Run it - Turn things on and make sure brake lights, appliances and other essentials are all in working order.
• Practice it - Hook your travel trailer up to your tow vehicle and take it for a test run before you leave for your trip. Be sure to practice backing up, driving on small inclines and making turns.
• Research it - In other words, know where you're going. Whether it's to a tailgate party or straight to the campground, be sure to research which amenities may or may not be available, including electric/water/sewer hookup, restrooms, laundry room, tables and fire pits, cell phone and/or Wi-Fi service and even a nearby general store.
• Place it - Once you get to your destination, get the inside of the trailer set up and make sure everything has a place. Make beds, organize food, stack items such as towels and shoes where people can get to them - you get the picture. You'll be happy you did, saving time and space!
• Camp it - Finally, enjoy your time away!

And before you head out on the road in Texas and abroad with your travel trailer, remember you can always speak with us at First Community Financial Group to shop for coverages so you can protect the things you tow.
​
We are a Foremost and Progressive agent!

Parking lots in Texas– we love the convenience but hate the frustrations, especially when people are driving too fast, backing out of spots without looking and otherwise modeling bad parking lot behavior.

That behavior just so happens to be the cause of many a door ding and irritated driver. Even worse, careless behavior can cause a collision or injury. So, let’s all slow down and follow these five tips to make parking lots safer for everyone:

1. Don’t Speed
   Speeding decreases the amount of time you have to react when a child runs out in front of you, another driver stops suddenly, or a car begins backing out unexpectedly. Is a collision – or even a fatality – really worth the price of getting to your destination just a bit sooner?
   
   
2. Use Your Eyes – and Mirrors and Cameras
   Keep a lookout for perils at all times, even if the lot seems empty. When you’re pulling into a spot, watch for doors being opened. When backing out, look all around, in your mirrors and in your rear-view camera and proceed slowly.
   
   
3. Give Yourself – and Others – Some Space
   Parking in between the lines and in a spot sized for your vehicle may help to minimize dings and scratches. Better yet, park in a less-crowded area and enjoy the stroll into the store – just don’t park where you feel unsafe. And always park away from stray carts.
   
   
4. Expect the Unexpected
   Assume things will happen. That someone will dart out in front of you, that a cart will come rolling toward you, that someone backing out of his/her spot won’t see you backing out of yours. When you’re on guard, you’re better prepared for those who aren’t.
   
   
5. Be Respectful
   A little kindness goes a long way in a parking lot or parking garage. So stop for pedestrians, don’t cause traffic jams waiting for a spot and, above all, don’t lose your cool.

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Remember, when you’re watching for dangers, you have a better chance of avoiding them. If an incident does occur, we here at First Community Financial Group are ready to help.


Content provided by Safeco and Liberty Mutual Insurance

The wind in your hair, the sun on your face, and the open water in front of you. Sound appealing? Then you might want to join the ranks of boat owners all over the country. But before you cut through that clear blue water, there are some things you may want to keep in mind. Whether you're buying a fishing boat, cabin cruiser, pontoon or speed boat, different components like cost, horsepower, weight capacity or onboard storage may prove to be more important to you than others.

Answer these questions before going boat shopping:

What are you hoping to use your boat for?

All boat styles have a different design tailored to the use. Speed boats may be better for tubing and water skiing but wouldn't hold as many people or be as suited for fishing as a dedicated fishing boat or a pontoon. Maybe you'll want to sail or spend time living on the open water in a houseboat. There are so many different varieties of boats, brands and manufacturers, so make an informed decision on which one is right for you.

What's your budget?

This may help decide whether to buy a used boat. According to Discover Boating, new boats depreciate anywhere between 25%-33% immediately after leaving the dealer's lot. So, if you buy a used boat, someone else has already paid that depreciation cost - more boat for fewer dollars! However, buying a new boat will offer a warranty, the newest technology, and that nice shiny look as you move across the water - the choice is up to you!

How many people are you hoping to go on your boating excursions with?

The capacity on personal fishing boats is generally smaller than a pontoon boat, which are made to hold anywhere between 8-15 adults comfortably.

What type of equipment will you want onboard?

Here's some suggestions:

• Life jackets
• Trolling Motor
• Lights
• Depth finder
• Live well
• GPS

• Canopy/bimini
• Stereo
• Tables
• Emergency survival kit
• Fire extinguisher

Will your car be able to tow your boat?

A 20-foot boat trailer can range from 600 to 1,000 pounds, and most boats in this size range hover in the 4,000-5,000 pound range.* This means that you'll want an SUV or truck that is rated to tow between 4,500-6,000 pounds in total.

Where are you placing your boat in the off-season?

Having storage for your boat during the colder months is important and must be planned ahead. Some may place their boat in their garage, outside of their garage or in a separate storage space.
And a few other components to consider…

• Horsepower
• Engine Type
• Hull (Deep V, Modified V, Pontoon, etc.)
• Storage Onboard

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No matter what you decide, get out there, matey, and enjoy the open seas!

Looking for boat insurance? Get a quote today by calling 888-244-8092 to speak with a licensed agent or find a Foremost insurance agent near you. Or contact us at First Community Financial Group. We are a Foremost agency!

Content provided by Foremost Insurance.

Whether you were caught speeding (or worse) or you simply want to be a better driver, there are a wide range of defensive driving and driver improvement courses available in Texas these days.
 
But which is right for you? Here are five tips to help you decide:
 
1. Check with your state or municipality. If you’re taking training to avoid a traffic infraction, not just any course will do. You’ll need to take an approved course – ask for a list before signing up.
 
2. Check with your insurer. The same goes if you’d like to potentially save on your car insurance. Your carrier may only offer a car insurance discount for completing certain courses. Also ask how much your discount will be — this will help when it comes time to choose a course.
 
3. Choose the type of course. There are online and classroom options, typically ranging from 4-12 hours depending on the course material. And there are advantages to each. Online courses offer convenience (and sometimes a lower cost), while in-person settings can provide more interaction.
 
4. Determine how much you want to spend. If you’re trying to avoid a ticket (and a potential increase in your insurance premiums), the cost might not be much of an issue. If you’re taking a course to receive an insurance discount, however, make sure the total discount you’ll receive is greater than the cost of the course.
 
5. Check out the reviews. Online review sites, such as Yelp, can show you what others thought of a course. Keep in mind, people who felt “forced” to take a course might have a biased opinion, especially compared to someone who took the course willingly.
 
No matter why you’re considering a defensive driving course, we’re happy to help you weigh the pros and cons. The biggest pro being, once you complete your training, you’re likely to be a little more careful the next time you get behind the wheel. And, that always pays off!
 

Whether you own a site-built home, mobile home, RV or small business, it's always a good idea to create a Personal Property Inventory. Photos, etc. of big-ticket items can be very helpful in the event of a claim! ​