landlord guidance on how to lower insurance premiums

Life Insurance for San Antonio Business Owners: Buy-Sell Funding & Term Laddering

FBMAccess September 8, 2025

If a co-owner dies or becomes disabled, a buy-sell agreement ensures the company—and the family—aren’t forced into a fire sale. Funding that agreement with life insurance gives San Antonio businesses the cash to transfer ownership smoothly, protect jobs, and keep clients confident. Start here: San Antonio Life Insurance or Business Insurance. What Is a Buy-Sell Agreement? A buy-sell is a legally binding contract that sets who buys, at what price, and with what money when an owner dies, becomes disabled,

Why San Antonio Seniors Should Revisit Their Life Insurance Plans

FBMAccess August 20, 2025

As retirement approaches, financial priorities often shift. For seniors in San Antonio, reviewing your life insurance policy isn’t just a good idea—it can be one of the smartest financial moves you make. Whether you’ve held a policy for decades or are considering a new one, updating your coverage ensures your plan still matches your current needs, health, and lifestyle. Why Reviewing Your Policy Matters in San Antonio Life insurance isn’t a “set it and forget it” decision. Your needs evolve

Best Life Insurance for San Antonio Families With Children

FBMAccess August 7, 2025

Raising a family in San Antonio comes with a lot of joy—and a lot of responsibility. From daycare costs to future college tuition, protecting your loved ones financially is just as important as providing for them today. That’s where life insurance comes in. At SOGO Insurance, we understand that every family is different, especially when young children are involved. In this post, we’ll explore the best types of life insurance for San Antonio parents, how much coverage you might need,

Homeowners vs Renters: Navigating the Insurance Maze

FBMAccess October 17, 2023

Insurance is an essential safeguard for your most significant assets, but when it comes to homeowners insurance and renters insurance, the distinctions can seem a tad blurry. At SOGO Insurance, we’re committed to helping residents of Texas, especially those in San Antonio and Austin, understand the nuances.

The Advantages of Having Property Liability Insurance

FBMAccess August 8, 2023

Owning property is a significant investment that comes with its fair share of responsibilities. Whether you’re a homeowner, a landlord, or a business owner with physical assets, protecting your property from unexpected accidents and legal troubles is crucial. This is where property liability insurance steps in, offering you a safety net and peace of mind. In this article, we’ll delve into the advantages of having property liability insurance and why it’s a smart choice for Texans.

Car Insurance in San Antonio: Tips for First-Time Buyers

FBMAccess June 5, 2023

Are you ready to experience the exhilaration of buying your first car in San Antonio? Alongside this excitement, you’ll need to consider the responsibility that comes with it – car insurance. Selecting your first car insurance policy in San Antonio is a significant step in safeguarding your new asset. This guide will introduce you to the essentials of car insurance in San Antonio, setting you on the path to making a confident, informed decision.

The Advantages of Sole Proprietor Insurance: Protect Your Business and Personal Assets

FBMAccess May 3, 2023

In today’s fast-paced business world, having a sole proprietor insurance policy is more important than ever. With the increasing number of risks and liabilities, having insurance for sole proprietorship can make a significant difference in the financial security and success of your business. In this blog post, we will explore the numerous benefits of sole proprietor insurance and how it can safeguard your business and personal assets. Sole proprietor insurance is a critical component of any successful business venture. As

More efforts to step up Diversity, Equity, and Inclusion

FBMAccess March 17, 2023

We’ve all heard the terms Diversity, Equity, and Inclusion get thrown around since 2018. Companies rushed to create inclusive groups and open dialogue for their BIPOC employees. They even made policies that create a more equitable workforce, but what has happened since then? Where are we now, and how do we move?

Market Trends and the Effects on Insurance Premiums

FBMAccess February 7, 2023

Market Trends and the Effects on Insurance Premiums Since 2019, many variables in the market have reshaped the insurance industry. Industry experts predict that the commercial insurance sector will experience trends like 2022. Also, there will be new trends that result in increased business costs. But what does this have to do with my insurance premium prices rising? As we all know, the economy has experienced significant inflation this past year. That caused a sharp increase in insurance costs. There

The Reinvention of Workplace Strategies and Culture

FBMAccess January 13, 2023

U.S. employee annual turnover rates are projected to grow this year by 20%. Companies with high employee turnover rates need workplace strategy and culture change. But how are companies reinventing workplace strategies and culture?What is a Workplace Strategy and Culture?It’s how employees interact with the environment created and how productive and efficient they are in the workplace. The greater the workplace environment, the more efficient the employees.It’s also important to look at workplace culture. Workplace culture is the behaviors and attitudes of

The Blog