An auto insurance policy is a policy purchased by a vehicle owner to mitigate costs associated with being involved in an auto accident. There are several auto coverages and policy options which include...
Motorcycle Insurance
Motorcycle insurance provides financial protection in the event of a motorcycle accident, loss, theft or damage. This insurance includes liability coverage in case you are responsible for another person’s injuries or property damage.
Boat Insurance
Boat insurance covers you in the event of a loss or damage to your boat. It covers most watercraft with motors, including fishing boats, pontoon boats, paddle boats and leisure crafts. Boat insurance does not usually cover canoes, kayaks or personal watercrafts. For small watercrafts, you may find some limited coverage under your homeowner’s policy. You may also be able to add a special endorsement or buy separate coverage.
Mobile Home Insurance
Mobile home insurance is offered through many companies, just like traditional homeowners insurance. Through our quoting process we will ask thorough questions to find the insurance that best fits your needs.
ATV Insurance
Several factors can affect your ATV insurance rate. If you have violations on your driving record or claims on your ATV insurance policy, your rates will be higher. ATVs with higher displacement or those that are considered more aggressive machines typically cost more to insure based on the history of claims for those vehicles. If you have more than one ATV, let us insure them all with one policy for a discount!
In Texas, renters’ insurance is not required by law. However, the property owner may require it. When purchasing a policy, make certain you know what you are buying. Know the value of your personal belongings to request the correct amount of coverage. Renters insurance protects your belongings from loss, damage, or destruction following things like burglaries, fires, tornadoes, and other covered events. And renters’ insurance also protects your liability (and your $$) if someone is injured at your rental home or apartment. Give our agency a call to put this very affordable coverage in place for you.
Home Insurance
Written contract. So, it is extremely important to know what is in that contract before signing it. If you are building a new home, get home insurance in place as soon as the home is completed. If doing a renovation of your home, speak to your insurance agent about what work you have done in case you require additional coverage. Your agent should know the specifics – if you have increased your square footage, added expensive countertops, cabinets, flooring, etc. All these factors influence replacement cost on your home.
It is also important to note that home and auto policy deductibles work differently than deductibles for health insurance. For health insurance, the deductible usually covers a year. With home and auto policies, the deductible is applied to
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Commercial Property Insurance
Commercial Property insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items. Commercial property insurance offers a giant smorgasbord of options that need to be mixed and matched to fit your own business. You can also add specific protection for coverage that is unique to your business.
Commercial Liability Insurance
You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. Since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
Builders Risk Insurance
Builders Risk insurance is a special type of property insurance which indemnifies against damage to buildings while they are under construction. Builders Risk insurance is coverage that protects a person’s insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered loss.
A personal umbrella policy is an extension of your liability insurance. It helps broaden and increase your protection. This can include significantly upping your coverage limit to relieve the financial strain of medical bills and legal fees in the event of an extremely costly accident.
A mortgage lender may require a flood policy if your property is located in an area deemed to be at high risk of flooding. However, even properties that are not in designated high-risk areas may require coverage. Flood zones are geographical areas assigned a specific rating depending on the estimated flood risk. A flood zone will determine how much flood insurance will cost, and whether or not it is mandatory to carry flood insurance.