Hurricane categories describe sustained wind, not the full picture of rain, flooding, or storm surge. Ike’s story is a reminder to ask what a rating leaves out - not assume the scale changed. #theodonohoeagencygalveston #HurricaneIke

A policy’s price is only part of the story. Ask what each section, limit, and exclusion means before you decide - what fits one household may not fit another. Questions? Start a conversation with The O’Donohoe Agency. #theodonohoeagencygalveston #Insurance

Saltwater puddles can leave rust brewing under your car - and this video says gradual rust is wear and tear, not an insurance claim. Wash off residue after exposure. #theodonohoeagencygalveston #VehicleMaintenance

A cooler flying off a boat and hitting a car may be a falling-object example - but the cause and policy wording matter. Don’t assume every scrape or impact is handled the same way. #theodonohoeagencygalveston #AutoInsurance

“Full coverage” isn’t a magic policy: Texas’s $25,000 minimum property-damage limit may fall short of a $50,000 vehicle loss. Know what your policy says about limits and possible gaps. #theodonohoeagencygalveston #AutoInsurance

The biggest life insurance mistake? Having none at all. If loved ones depend on you, planning ahead is worth a conversation. #theodonohoeagencygalveston #LifeInsurance

A Galveston life insurance quote can start with a simple conversation. Call, text, email, or stop by - choose what feels easiest. #theodonohoeagencygalveston #LifeInsurance

“Permanent” life insurance is intended to last your lifetime, as long as the policy stays in force. Texas has state-specific guidelines, but the broad concept is similar nationwide. #theodonohoeagencygalveston #LifeInsurance

Term life can be set for 5, 10, 15, 20, or 30 years. This video explains the timeframe - and names permanent life without detailing it. Questions? Talk with The O'Donohoe Agency. #theodonohoeagencygalveston #LifeInsurance

Not every life insurance application requires a medical exam. Some ask for measurements and samples; no-exam options typically have higher premiums. Questions? Start a conversation with our Galveston team. #theodonohoeagencygalveston #LifeInsurance

The website URL wasn’t included, so we won’t guess. Contact The O’Donohoe Agency for the right link. #theodonohoeagencygalveston #Galveston

You don’t have to choose just one life insurance policy - different policies may fit different stages of life. Thinking through changing responsibilities? Start a conversation with The O’Donohoe Agency. #theodonohoeagencygalveston #LifeInsurance

Term is like renting; permanent is like buying. The key differences are how long coverage is designed to last and whether it may build cash value. Know the details before deciding. #theodonohoeagencygalveston #LifeInsurance

A raise, marriage, or new child can be reason to revisit your life insurance policy - and an annual check-in may take just five minutes. #theodonohoeagencygalveston #LifeInsurance

Life insurance isn't only a family question - if someone depends on you financially, or you depend on them, an unexpected loss could create hardship. The O'Donohoe Agency is a local point of contact in Galveston. #theodonohoeagencygalveston #FinancialResponsibility

Marriage or divorce may not automatically change your life insurance beneficiary. Review your policy and confirm the update process with the insurer. Questions about where to start? The O'Donohoe Agency is here for a local conversation. #theodonohoeagencygalveston #LifeInsurance

The lowest life insurance rate isn’t guaranteed. Exploring coverage while you’re younger and healthier may give you more options to compare. Call The O’Donohoe Agency at 409-402-5197. #theodonohoeagencygalveston #LifeInsurance

Seven to ten years of income is a starting point, not a one-size-fits-all answer for life insurance. Your family’s goals and circumstances matter - start a conversation with The O’Donohoe Agency. #theodonohoeagencygalveston #LifeInsurance

Life insurance proceeds can help pay funeral costs, but the details depend on the policy. For a friendly local point of contact in Galveston, reach out to The O'Donohoe Agency. #theodonohoeagencygalveston #FuneralPlanning

The O’Donohoe Agency profile lists a phone number, but no website URL - we won’t guess. #theodonohoeagencygalveston #Galveston