The cost of auto insurance is influenced by several factors, including your driving record, age, location, type of vehicle, usage, and coverage limits. Discounts may also be available for good driving habits, bundling policies, or installing safety features in your car.
Yes, Texas law requires drivers to carry a minimum amount of liability insurance. This includes coverage for bodily injury and property damage you may cause to others in an accident. However, additional coverage options like collision, comprehensive, and uninsured motorist protection are highly recommended.
Homeowners insurance typically covers your home, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered loss. Policies can vary, so it’s essential to review what is included and consider additional coverage for valuables or specific risks.
Standard homeowners insurance does not cover flood or earthquake damage. You’ll need separate policies for these specific risks. If you live in a high-risk area, we can help you explore options to protect your property.
Renters insurance protects your personal belongings in case of theft, fire, or other covered events. It also includes liability coverage if someone is injured in your rental unit. While your landlord’s insurance covers the building, renters insurance is essential to safeguard your personal items.
The amount of renters insurance you need depends on the value of your personal belongings. Take an inventory of your items and choose coverage that reflects their replacement cost. A higher liability limit may also be necessary if you want extra protection.
Business insurance covers a range of risks, including property damage, liability claims, employee injuries, and loss of income. Policies can be customized to include general liability, commercial property, workers’ compensation, and more, depending on your business needs.
While Texas does not mandate business insurance, certain coverages, like workers’ compensation, may be required depending on the nature of your business. Having business insurance can also protect you from financial loss and legal issues.
Yes, many insurance companies offer bundling options that can save you money on your premiums. Bundling policies also simplifies managing your coverage and payments. We can help you explore options to find the best package for your needs.
