Having kids...

Adding a new member to your family? 
Whether you're having a child or planning to adopt, this is a good time to review your insurance and financial needs.

• Do you have adequate Life insurance* to help cover your family should something happen to you?
• How can you prepare for the increasing cost of your child's college education?
• Thinking about buying a bigger home for your growing family?
• Need a larger or safer car for your growing family?
• Want to know about simple steps to child-proof your house

Robert Cardenas is your local agent in Round Rock, TX

Your local Farmers agent can help you to answer these questions and provide any additional information you may need.

As your family grows, you'll need to keep your Home, Life and Car insurance policies up to date with the addition of each new family member by reviewing your coverages with your Farmer's agent.

Handling Your Claim

Whether you’re reporting a simple fender bender or a catastrophic house fire, a dog bite or on-the-job injury, Farmers® follows the same basic five-step process to see every claim through from start to finish.

Here's what we do:

Claim assignment:
When HelpPoint® Claim Services receives your claim, it will be assigned to a claims professional. Depending on the complexity of your claim, you may work with a team of claims representatives, each of whom has experience handling a particular aspect of your claim.

Initial contact
A claims professional will contact you to:
• Gather facts surrounding your loss
• Review your coverage
• Explain how your claim will be handled
• Schedule an in-person appointment if one is needed
• Identify ways to protect your property from further damage

Estimate and evaluation
Your claims professional will then:
• Determine whether the loss is covered
• Inspect and document damage
• Interview witnesses or other involved individuals
• Take photos and samples (if needed)
• Evaluate your claim

Resolution
We’ll work with you to resolve your claim fairly either by:
• Paying what you’re owed
• Or explaining why there would be no payment on your claim

Close the claim
Once we’ve resolved your claim under the terms of your policy, we close the claim. If you discover additional expenses, we will re-open your claim to investigate.
Some claims are more complex than others. Regardless, Farmers® claims professionals are committed to do whatever it takes to resolve your claim. That’s our commitment to our policyholders.

If you have further questions about our HelpPoint service, please contact Robert Cardenas, your local Farmers agent in Round Rock, TX

Just like me, you can become your own boss today!

If you want to own your own business, represent one of the largest insurance groups in America, if you have the discipline and determination to learn and build a lucrative career, please contact us. The district office on your area will work with you to develop the business skills and expertise you need to grow your agency and succeed. While you'll be in business for yourself, We'll be there to guide and motivate you so you can achieve your goals.

Robert Cardenas is your local Farmers agent in Round Rock, TX

A Farmers Friendly Review is free and valuable

Farmers agents provide this free service just for you. Meet with your agent in person or connect online to review your coverage to keep up with your changing insurance needs.

As your life changes, so should your policy.

Changes in your life can add up to big changes in insurance needs. A change in marital status, the birth of a child or the purchase of a home are just a few examples of life events that may create overlaps or gaps in your coverage.

Improve your coverage and possibly save money

Just as you continue to change and grow, over the past 85 years Farmers keeps growing. A Farmers policyholder can be the first to enjoy new benefits before they become industry standards, like when we became the first major insurer to offer a discount for alternative-fuel vehicles. Considering your growth and ours, your Farmers agent will inform you of any discounts or credits for which you may now qualify.

How often should you have a free Farmers Friendly Review?

We recommend at least once a year, or whenever there is a change in your insurance needs. Receiving an annual reminder to meet with your agent in person is a good way to ensure a busy lifestyle doesn't prevent you from claiming new opportunities to save and update your coverage needs.

Get in touch with a Farmers agent. Robert Cardenas is your local Farmers agent in Round Rock, TX

Are you getting married?

Your wedding day is one of the most important days of your life. It's also the beginning of your life together as a couple. If you're getting married, taking the time to iron out your insurance coverage may provide you peace of mind long after the rice is thrown.

Follow this quick checklist to help take care of your important documents, including your insurance policies.

If you need further information, please do not hesitate to contact Robert Cardenas, your local Farmers insurance agent in Round Rock, TX

Wedding/Marriage Considerations

• Insurance Policies - If you have Life insurance*, be sure to update the information under beneficiaries. Consider consolidating all of your family's insurance policies - Home, Auto and Life* -- with Farmers®. This could help you qualify for discounts, making your premium payments that much more affordable.1


• IRAs, Annuities*, Pensions and Other Retirement Accounts - Verify your current beneficiary designation(s) and consult with your attorney, accountant or tax adviser for legal or tax advice and to understand the ramifications of a change. Start planning together for the future needs.


• Social Security Benefits and other government entitlements - Visit or call the local office to update death benefit beneficiaries and next of kin information. Check out your Social security benefits at http://www.ssa.gov/


• Business Relationships - If you have an interest in a family business or are in a partnership, review the partnership or shareholder's agreement. Find out what provisions have been made if you want to sell, if you cannot work, if you want to share your duties with your partner or if you die.


• Wills, Trusts and Power of Attorney - If this is your first marriage, you may not have a will, trust or power of attorney. If you're getting remarried, these documents may be outdated. If you're the beneficiary of your parent's will, life insurance policy or named on their deed, it's important to review who will inherit "in your place" should the unthinkable happen to you. If you want your new spouse to inherit in your place, let your parents and other benefactors know.

You are irreplaceable, but Life insurance can help.

For your specific stage in Life, learn how Life insurance can help your loved ones.

Single
Single people often think they don't need life insurance and often they're right. But if you have people who depend on you, are at risk for any serious medical conditions, or don't want to burden anyone with your final expenses, you may want to consider Life insurance.

Young adults, married
When you're just starting out, life insurance is typically less expensive and easier to obtain if you're healthy. If you or your spouse were to die, the other could use the proceeds to help repay significant debts, such as a mortgage, credit card balances, student loans, and the like.

Young adults, married with children
For parents of young children, life insurance is generally a necessity. If one parent were to die, life insurance proceeds may help the survivor maintain the family's quality of life.

Single parent
Single parents often bear dual burdens - the sole source of income and the responsibility for the care and guidance of the children. Life insurance proceeds can provide financial assistance in the event a family's sole caretaker passes away.

Empty nesters and retirees
Even if your children are financially independent, life insurance may still be an important part of your financial strategy. A widow or widower may need to pay off a mortgage and other debts. Life insurance may be part of your estate planning strategy or designed to help grandchildren accomplish important goals such as completing a college education.

Business owners
Life insurance is a valuable employee benefit and it can help a business owner attract and retain employees. Business-owned life insurance on key employees can help to make it financially possible for the business to hire and train a replacement in the event of the key person's death. And life insurance proceeds can also help a surviving partner or family members purchase a deceased owner's share of the business.

Robert Cardenas is your local Farmers Agent in Round Rock, TX

It's always difficult to lose someone you love - Financial difficulties make it worse. Life insurance may help to provide financial relief for the people you care most about if you're not there to care for them yourself. Contact your local Farmers agent today.

Products and features may not be available in all states and may vary by state.

Buying A Property

Buying a home is possibly the best investment you can make for you and your family. Whether you are moving from renting to buying, purchasing a new house, or simply relocating, you are no doubt weighing different factors such as price, size, neighborhood, etc. Another decision to weigh is homeowners insurance. Below are some things you might want to consider before making your home purchase. (Features may differ by state and by policy type. Please see your policy contract for details.)

How much coverage do you need?
You'll want insurance that covers the cost of rebuilding your house in the event that it gets destroyed.

If you purchase a home that has many upgrades, it may cost more to rebuild due to a shortage of materials or specialized labor. Farmers has a Homeowners policy which offers up to 125% extended replacement cost, meaning that you may receive up to 25% above your dwelling limit in the event of a covered loss and if you feel you need even more coverage, Farmers offers a policy with up to 150% extended replacement cost, meaning that you may receive up to 50% above your dwelling limit in the event of a covered loss.

If you purchase an older home, it may need to be rebuilt according to today's building code standards, adding to the cost. Policies from some competitors may only cover reconstruction cost, but the Farmers homeowners policy includes an additional 10% above the reconstruction cost to cover for additional expenses due to building ordinance or law.

Don't forget to contact your local agent in Round Rock, TX, Robert Cardenas

• The primary factors that will determine that cost include:
• Local construction costs and the square footage of the structure
• The type of exterior wall construction-frame, masonry (brick or stone) or veneer-and the type of roof.
• The style of the house (ranch, colonial)
• The number of bathrooms and other rooms
• Attached garages, fireplaces, exterior trim and other special features like arched windows.

Estimating Rebuilding Costs

Below are some tips to help you estimate the cost to rebuild your home:

• Every year, take the time to check the value of your insurance policy against rising local building costs. Your Farmers agent is available to review your coverages with you so that you can make sure that adequate protection is in place.
• Check the latest building codes in your community. If your home is severely damaged, you might have to rebuild it to comply with the new standards requiring a change in design or building materials.
• Do not insure your home for the market value. The cost of rebuilding your house may be higher (or lower) than the price you paid for it or the price you could sell it for today.
• Some banks require you to buy homeowners insurance to cover the amount of your mortgage. Make sure it's also enough to cover the cost of rebuilding.
• Increase the limit of your policy if you make improvements or additions to your house. You may upgrade features in your home to fit your tastes and lifestyle. These enhancements can significantly increase the replacement cost of your home. Your Farmers agent will be available to help you in your determination of whether additional coverage is needed.
• If you have questions about the amount of coverage you should have, consult your local Farmers agent.

Best Most Common Car Accident Excuses...

Here are some of the best car accident excuses that most people give when ever they are asked to explain their predicament. We dare you to come up with one of your own and leave it as a comment. Or even come up with an excuse so laughable that people won't mind in helping you!

1. The other car collided with mine without giving warning of its intention.
2. The accident occurred when I was attempting to bring my car out of a skid by steering it into the other vehicle.
3. I was driving my car out of the driveway in the usual manner, when it was struck by the other car in the same place it had been struck several times before.
4. Coming home, I drove into the wrong house and collided with a tree I don't have.
5. The indirect cause of this accident was a little guy in a small car with a big mouth.
6. As I approached the intersection, a stop sign suddenly appeared in a place where no stop sign had ever appeared before.
7. I was unable to stop in time to avoid the accident. The telephone pole was approaching fast.
8. I was attempting to swerve out of its path when it struck my front end.
9. An invisible car came out of nowhere, struck my vehicle and vanished. 
10. I thought my window was down but found it was up when I put my hand through it.
11. To avoid hitting the bumper of the car in front, I struck the pedestrian.
12. A pedestrian hit me and went under my car. The pedestrian had no idea which direction to go, so I ran him over.
13. I saw the slow-moving, sad-faced old gentleman as he bounced off the hood of my car.

Don't forget to viist my website: robertcardenasinsurance.com

Buying a Car...

Excited about driving a new car? There's more to buying or leasing a car than picking the paint color and upholstery. That's the fun part. Truth is, buying a car is a major purchase, and if you're financing your car with an auto loan, it's a significant financial commitment that will impact your finances for years to come.

Whether you're buying or leasing, there are important insurance considerations to take into account. Depending on your lease, you may be required to purchase more coverage than you might have if you were buying the vehicle. Also, some cars are simply more expensive to insure than others, whether because of safety records, theft statistics, or even how you plan to use the vehicle.

Robert Cardenas is your local Farmers Agent in Round Rock, Texas

If you're considering several models and can't decide, your Farmers agent can help you make an informed decision. Contact them for coverage price comparisons for the models you're interested in. A higher -- or lower -- insurance coverage premium may make the decision for you!

For customers interested in Auto, Home and Life insurance, I offer Farmers FastQuote*, a quick, convenient free online quote tool. 

Click here to access Robert Cardenas' Quote Online tool and access your Texas zip code.

Of course, for more detailed quotes, including information on available discounts and other Farmers programs, you can contact your local Farmers agent at any time. 

Robert Cardenas is your local Farmers Agent in Round Rock, Texas.

One of the best things about Renters insurance: it's affordable.

For about the price of a movie and popcorn once a month, you can purchase protection for your personal belongings. Start by getting a Renters insurance quote to see Farmers affordable coverage options.

Renters insurance can provide protection for:

Your possessions
The value of your apparel, small appliances, electronics, furniture and personal items can really add up.

Your assets
Renters insurance can also help protect your assets from liability claims if you are sued.

For more information on Renters insurance, contact Robert Cardenas, your local agent in Round Rock, TX

Things to think about when selecting Renters coverage:

Your personal belongings
Many people make the mistake of underestimating the contents of their home. Taking an inventory of your personal property can help.

Your assets
Your Liability insurance coverage should be enough to protect the value of your assets. If you are sued, don't leave yourself financially exposed.

Your valuables
Collectibles, fine art, jewelry and other valuable items could require additional coverag

Why choose Robert Cardenas as your local Farmers Agent?

Experience:
Farmers is about people. And in an age of impersonal business transactions and fleeting loyalties, Farmers is proud of its commitment to personal service: a commitment we've honored for more than 80 years.

Farmers agents undergo a rigorous training program before they are able to sell their first policy. Our agents put their professional experience to work for their customers, helping to make sure you receive the coverage you want that is suited to your needs. And they review your policies with you annually in a Farmers Friendly Review.

Additionally, the Farmers Companies are the third-largest insurer of homes and automobiles in the United States. It's a strong position to be in, and it enables us to provide the widest available range of insurance products and services for, well, everyone.

Robert Cardenas is your local agent in Round Rock, TX - (512) 255-5520

Community Involvement
Farmers Agents are proud to serve the neighborhoods in which they live. And as a company, Farmers has a longstanding tradition of community outreach and support. From scholarship programs to educational resources to supporting the arts, Farmers' community involvement is truly as diverse as its customers and agents.

Become a Farmers Agent

Attention entrepreneurs, self-starters and leaders.
If you've got what it takes to own your own business, you've got what it takes to become a Farmers insurance small business owner. Visit us today at BeAFarmersAgent.com.

When you own your own business you live life on your own terms.
As a Farmers Agent, there is no limit to your income potential. Owning your business means you’re in control of your destiny. If you find yourself frustrated with jobs with no room for personal and professional growth, becoming a Farmers agent may be the opportunity you've been looking for.

Robert Cardenas is your local Farmers Agent in Round Rock, TX - (512) 255-5520

As a Farmers Agent, the training and tools necessary for success as a business owner will be available to you. Your business is truly your own. One of the many rewards of business ownership is that after years of building your agency, you have a valuable asset. Since a Farmers agency is no exception, you can expect to reap the rewards of your hard work when you choose to retire or decide to relinquish the business for virtually any reason. When it's time to move on, unlike other insurance companies, with Farmers you may be able to pass your business along to an approved family member.

Lots of drive, not a lot of money?
At Farmers we’re committed to helping you achieve your entrepreneurial dream. You don’t need a lot of money to get started. In fact, you may have already saved up enough. We’ll provide you with the appropriate structure, mentoring and training to become a Farmers agent. You will even be able to keep your current job while going through the training phase. Starting your own business couldn’t be easier.

Over 80 and still going strong
Founded in 1928 and headquartered in Los Angeles, Farmers is one of the largest and most respected insurance brands in the United States. Foremost Insurance Group, located in Michigan, was acquired in March 2000. It leads the industry in insuring specialty products such as mobile homes, motor homes, travel trailers and specialty dwellings.

Bristol West Holdings, Inc., based in Davie, Fla., became a part of the Farmers Insurance Group of Companies in July 2007. Bristol West began providing private passenger Auto insurance to Florida residents in 1973, and since that time, it has grown to be a leading provider of liability and physical damage insurance - focusing exclusively on private passenger vehicles across the United States.

Part of the Zurich Financial Services Group, the companies that comprise the Farmers Insurance Group rank as the third-largest Personal Lines property and casualty group in the United States. Farmers is also a leading insurer of small- and medium-sized businesses and operates a large Life insurance company as well as a rapidly growing financial services company (Farmers Financial Solutions®).

Farmers is a national insurance company, and has been a leader in the insurance industry for over 80 years. A Farmers agent provides customers with valuable and reliable services, backed by a company that will be here tomorrow and when you are in need.

Farmers Gets You Back Where You Belong
As a Farmers agent, you will work with your customers, letting them know what coverages are available to them through every stage of their lives. Farmers agents offer their communities Auto, Home, Business and Life insurance products.  Farmers is now more than an insurance provider. Today, Farmers provides its customers with Financial Services that help them achieve their dreams and insurance products that help solve their worries.

We’re committed to a long-term relationship
When you become Farmers agent, you know that we’re committed for the long run. As we develop new products and open new markets, you will continue to receive training and the support of your district manager throughout the business relationship. As a Farmers agent you can be sure that the company will always be on the cutting edge of the insurance industry.

Want to know more?
Click here, scroll down to the map and click on your preferred state below to contact a District Manager or Marketing Representative who can tell you more about the unique benefits of becoming a Farmers captive or independent agent.

Information on Flood insurance

The fact is many are at risk for floods. You don't need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems.

Flood damage is not covered by homeowner's policies - You can protect your home, business, and belongings with flood insurance from Farmers -- up to $250,000 for the building and $100,000 for contents (amounts may vary. Contact your Farmers agent for details).

Robert Cardenas is your local agent in Round Rock, TX - (512) 255-5520

Contents coverage is separate, so renters can get flood insurance - Up to $100,000 contents coverage is available for homeowners and renters. Contents are not automatically included with the building coverage.

Up to a total of $1 million of flood insurance coverage is available for non-residential buildings and contents.

There is usually a 30-day waiting period before the coverage goes into effect - Plan ahead so you're not caught without flood insurance when a flood threatens your home or business.

Federal disaster assistance is not the answer - Federal disaster assistance is only available if the President declares a disaster. Flood insurance pays even if a disaster is not declared.

Contact a Farmers agent in your area for more information about Flood insurance.

Discounts to help you save

You may be eligible for a variety of Auto insurance discounts. Get an online quote today to see what discounts you might be eligible for.

More discounts in your state

Depending on your state, you may be eligible for even more discounts.

* Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary. Contact Robert Cardenas, your local agent in Round Rock, Texas for more information.

This brief summary is not a policy document. This information was extracted from the Farmers Insurance official website. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.

Who will help provide for my family if I'm no longer here?

With Life insurance, the answer is - you will. Life insurance proceeds may help your loved ones to replace the income they depend on from you. At its most basic, Life insurance may help you keep your final expenses from being a burden on those you leave behind.

Reasons why you might need Life insurance

Income ReplacementThough not a pleasant thought it's important to think about this: when you die, who will you leave behind? If your answer is a spouse or children, then consider how they will survive without your income. The mortgage will still need to be paid; other bills will still come due; then there are your kids' college plans.

Bottom line: Most things that your income currently pays for or helps to pay for won't go away if something happens to you.

One solution: You may want to consider Life insurance - an effective income replacement tool.Although there are several methods available to determine replacement needs, you may want to consider using a multiple of your current salary. A Farmers insurance agent can work with you so you can determine what suits your individual situation.
Consider your individual situation

Some of the factors that may influence how much coverage is appropriate include:

• Your specific age and income 
• Your marital status; if married, your spouse's age and income 
• The number and ages of your children; whether any of them have special needs 
• Projections for your children's future education expenses 
• Your family's cost of living 
• How much savings you have in place 
• Your debts 
• Charitable giving goals if any 

To help fill the gaps in retirement
Interestingly, Life insurance can be a useful tool for many individuals and families who are approaching retirement as well as for those who are already retired.

Most of us buy Life insurance to replace the loss of income that would occur should we die or to create an estate for our loved, but there are many other reasons:

• You have an aging parent or disabled relative who depends on you for support 
• You have a large estate and expect to owe estate taxes 
• You own a business and have a partner 
• You have a substantial joint financial obligation, such as a personal loan for which another person would be legally responsible after your death 

Many retired couples depend on Social Security and pension income to survive. When one spouse dies, those payments may be reduced - survivor benefits are often much lower than retiree benefits - while many of the ongoing expenses remain for the survivor. You can help protect your surviving spouse from this reduction in income with Life insurance. The death benefit can replace your missing income so a personal loss does not become a financial one as well.

Changes in your life
It's a good idea to review your Life insurance needs annually - more often if significant changes or life events occur. Here are some major life events that might trigger the need to re-evaluate your life insurance coverage:

• The birth or adoption of a child - Would there be enough income to pay for day care, college, and everything in between if something were to happen to you or your spouse? Life insurance may help you answer "yes" to these questions. 

• Change in marital status - If you're newly married or just getting married, you probably share many dreams for the future - you also share each other's financial obligations. If one of you were suddenly removed from the picture, would the surviving spouse have enough money to cover final expenses, eliminate debts such as credit card balances and car loans, and buy some time to adjust to a new way of life? If one of you were to die prematurely, life insurance may help ensure that these needs will be met. If you're on your own now, whether through death or divorce, you may want to reassess your overall financial situation, including your life insurance needs. It's almost like starting from scratch again because being on your own will likely affect just about every financial calculation you can think of. 

• Home purchase - If you and your spouse recently purchased a home, there's a good chance you acquired a mortgage as well. Could your spouse manage the mortgage payments without your income? What about property taxes, routine maintenance, utilities and unforeseen repairs? How long would your spouse have before your dream house was up for sale? Life insurance coverage may help keep the family you love in the home they love.

• Job change - If you recently changed jobs, a salary increase may have come with it. You may not realize it, but when your income increases, your spending tends to increase too. If something were to happen to you, you'd probably want your family to be able to maintain their new and improved lifestyle. That's why it's a good idea to reassess your life insurance coverage whenever your income rises. 

• Planning for college - College costs continue to increase so you may want to begin your college savings efforts sooner. Having a regular savings strategy is just one part of a balanced college funding plan. You may also want to consider a smart risk management strategy to help ensure that your college savings goals will be achieved even if you're not there, and that strategy may include life insurance coverage.

Robert Cardenas is the local agent in Round Rock, TX

Farmers can help
If you haven't completed a Life insurance income replacement analysis, or if any of the life factors discussed above have changed, call your local Farmers agent. They can work with you so you can make sure you have the coverage you want. You can't guarantee that you will always be around to provide your family with an income, but you can help ensure your family's financial security should something happen to you.

Personal Umbrella Liability insurance

Life is unpredictable. You never know what might happen. If the unexpected happens, Farmers can help ensure you have the coverage you want to protect your family's assets.

With a Personal Umbrella policy, you have additional coverage over and above the liability limits of your underlying policies*. Your assets as well as your future earnings are covered.

Robert Cardenas is your local insurance agent in Round Rock, Texas

Besides providing increased liability limits, a Personal Umbrella policy gives you these additional benefits:

• You are covered against claims that may not be covered by your underlying policies for Homeowners, Auto liability and Watercraft liability, such as libel, slander or defamation of character
• You are covered anywhere in the world.
• You are covered for defense costs and attorney fees associated with claims against you that are covered by your Personal Umbrella policy, but not by your primary policies. These expenses are paid in addition to your policy limit.

Get a quote now HERE by adding your zip code

When the unexpected happens, you want to get your life back in order as quickly as possible. 

Robert Cardenas is your local insurance agent in Round Rock, Texas

Talk to your Farmers agent about a Personal Umbrella policy for the added security you want to get through a traumatic event knowing your family and your belongings are protected.
* Subject to policy limits and exclusions

Your local Farmers Insurance Agent in Round Rock, TX

For those of you who I haven't been lucky to know yet, I am Robert Cardenas, your local Farmers Insurance agent in Round Rock, Texas.

I am so blessed and happy to be able to serve my clients with their insurance needs. I am glad I can help them meet their expectations in regards to savings and coverages. Most of my clients have been with me for around 10 years. I have been lucky to know them well and their families. Now I am able to offer insurance products through Farmers Insurance to their descendants through generations. My goal is offer the best customer service and 100% satisfaction.

Robert Cardenas is your local agent in Round Rock, Texas

As you know technology is changing the way we manage our lives. This is why we have released our Robert Cardenas insurance website for your convenience. If you need a fast quote, my website is a Farmers Insurance Agency online, where customers can learn more about the insurance products that we offer.

Also like to invite you to connect with me through my social networks. You can add reviews, comments, tweets, suggestions and of course, recommendations. I would certainly appreciate it if you'd connect with me.  

Google+ Robert Cardenas and Robert Cardenas Farmers Insurance

Facebook/robertcardenasinsurance

Twitter @RCFarmers

Hope to see you soon!

For assistance with insurance claims, call us immediately! 24 hours a day, seven days a week!

We know that a fire, accident or burglary can turn your world upside down. But as a Farmers customer you can call our unique HelpPoint Claim Services team at 1-800-435-7764.

HelpPoint Claim Services is the name we adopted in 2010 for the entire Farmers Claims organization which serves our Farmers, Foremost, 21st Century, Bristol West and Zurich Small Business1 customers.

As a customer, you probably associate your coverage with the company name printed on your policy. We hope our new name helps reassure you that you’ll be assisted by reliable and knowledgeable insurance professionals within the Farmers Claims organization – whichever brand you have purchased.

So, when you call one of our HelpPoint Claim Services call centers, our greeting will typically be in brand.  When you contact a local Claims office, or a claims representative who serves policyholders from more than one of our brands, you’ll be greeted with "Thank you for calling HelpPoint Claim Services."

You may see our new HelpPoint Claim Services name and logo on various marketing materials, including our business cards, branded shirts and company cars.

But, whatever name you know us by, you can be sure that:

Our award-winning HelpPoint Claim Services team is staffed with caring professionals, available 24/7 to answer your questions and help you through the claim process.
Our more than 12,500 Claims employees are fully equipped to meet – and exceed – your expectations when you need our help.

If disaster strikes, our Mobile Claims Centers (MCCs) and Claims representatives arrive swiftly to help our customers file claims, answer insurance questions, and access our free satellite communications and internet services.

Our fleet of claims vehicles is equipped with GPS technology to help ensure that our field claims representatives and resources arrive quickly when you need them.

Make no mistake: Best-in-class customer service is our standard. It's also our passion and what we do best. That's our pledge.

Robert Cardenas is your local agent at Round Rock, Texas

If you have questions about HelpPoint Claim Services, please contact your agent. Also, be prepared before something should ever happen, by reviewing all of your Home, Business, Life and Auto insurance coverage at least once a year with your local Farmer's agent.

Home insurance discounts are awaiting for you...

With Farmers, you can choose an agent who knows your community and can offer you insurance coverage for the things you've worked so hard for - auto, home, boat, RV, life, small business and more.

Robert Cardenas is your local agent at Round Rock, Texas

Your home is perhaps your largest financial investment. That's a good reason to choose Home insurance protection from a company that has stood the test of time - Farmers. And in the event that something goes wrong, you can count on HelpPoint® Claims Services to address your claim quickly and fairly.

Your local Farmers agent can help you create a customized Home insurance package for your specific circumstances.

• Start shopping Home insurance
• Homeowner insurance
• Condo insurance
• Mobile Home insurance
• Tips to keep your premiums down
• Things Home insurance covers

For a customized policy, contact Robert Cardenas today or get a Home insurance quote online right now.

More Severe Weather and Tornadoes Forecast For Oklahoma, Ozarks

If you need information about Auto, Life, Home or Business insurance, give us a call, we'll be glad to help you find the best plan for you and your family! www.robertcardenasinsurance.com

More dangerous weather, spawning baseball-sized hail and tornadoes, was predicted for Oklahoma and parts of the Ozarks on Friday after more than a dozen reported twisters in Oklahoma and Arkansas on Thursday, U.S. forecasters said.

“The atmosphere will become extremely unstable this afternoon, especially in Oklahoma, while winds in the atmosphere will be favorable for organized severe storms, including a few supercell thunderstorms,” the National Weather Service said in an advisory.

Large, long-lasting thunderstorms known as supercells are responsible for producing the strongest tornadoes, along with large hail and other dangerous winds.

“Very large hail to the size of baseballs or larger can be expected with the most intense storms late this afternoon and evening,” the Weather Service advisory said.

Oklahoma City; Tulsa, Oklahoma; and Springfield, Missouri may all be buffeted by Friday’s severe weather and possible tornado touchdowns, said Rich Thompson, a lead forecaster at the National Weather Service’s Storm Prediction Center in Norman, Oklahoma.

The danger zone also included Joplin, Missouri, he added. Joplin was hit by a monster tornado, one of the most catastrophic in U.S. history, that killed 161 people and destroyed about 7,500 homes two years ago.

On Friday, “the focus is going to be from southwest Missouri back into, along and just north, of the I-44 corridor in Missouri and Oklahoma,” Thompson said, referring to the interstate highway that cuts through much of what is often referred to as “Tornado Alley.”

He said at least five people were injured when as many as 15 tornadoes swirled over Arkansas and Oklahoma on Thursday. The twisters sent residents, including people in one Tulsa suburb, scrambling for cover 10 days after a deadly EF-5 tornado struck Moore, Oklahoma, and killed 24 people.

The May 20 tornado that hit Moore, a suburb of Oklahoma City, damaged or destroyed about 13,000 homes.

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Auto Insurance Discounts

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• Auto/Home
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Home Insurance Discounts

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Landlord Policy

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