We believe in educating our clients and helping them select the proper amount of insurance for their needs. Our number one priority is to protect your family from any unforeseen event that may be a burden to your family in the future. An affordable auto insurance premium is important, but having a great insurance company that will pay your claims is important too!
Are you paying more than you need to for auto insurance? A number of things affect the cost of your premium, including: the type of car you drive, the cost of your deductible, the insurance company you pick, and the number of policies you have with that company.
The next time you're on the road, think about this: Approximately 1 of every 4 Texas drivers has no current automobile insurance. With 25% of automobiles driving without coverage, it's more important to know what your limits are and to be protected against those uninsured drivers.
One of the first steps to take to reduce your auto insurance premium is to compare quotes from different companies. As an independent agency, we can help you look at quotes from a number of top insurance companies and choose the one that best fits your budget and needs.
There's really no such thing as "full coverage" for your car. Full coverage car insurance is a term that refers to a combination of coverage types that can protect your car in most situations.
Not all policies include ALL the coverages. In addition, the limitations of the coverages can vary from carrier to carrier. Remember, auto insurance is not a “replacement” policy. They are paid as actual cash value – meaning – what your car is worth at the time of the loss.
Life can change in an instant. A personal umbrella insurance policy helps protect you against the unexpected events that can wreak havoc on your family, finances, and your future.
If you were found negligent or liable for someone else’s bodily injury or death, would you have enough insurance to protect your assets?
What is Personal Umbrella Insurance? Personal umbrella protection is a low-cost insurance policy that picks up where the liability coverage included in a personal auto and homeowners policies leaves off. Simply put, an “umbrella policy” (or more accurately, an excess liability policy) adds a layer of liability coverage over both your home and auto policies. The cost to add $1,000,000 of liability above your home & auto liability coverage averages from $100-$300/year, depending on the number of homes, cars and drivers.
The umbrella policy serves three purposes: it provides additional limits when the limits of underlying liability policies are exhausted by the payment of claims; it opens up and covers beyond where the underlying policy leaves off when the limit of the underlying policy in question is exhausted by the payment of claims; and it provides protection against some claims not covered by the underlying policies.
An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.
We believe that anyone who has assets to lose in a lawsuit, such as their home, needs more liability coverage than you can buy on either your stand-alone home or auto policy. When you bundle this policy with the underlying policies it is both inexpensive and very valuable.
We get it. Getting ready for a big move to another state is exciting and stressful. We welcome you with a huge Texas welcome!
Are you moving to Texas from another State? Car insurance varies by state. Most states require a minimum amount of liability insurance and may even require other specific types of coverage's be on your policy. Please don't hesitate to contact us and we'll help make sure your insurance policy is updated so you're sure you have the right coverages and limits.
Are you relocating to Texas? If so, then welcome! We're here to help.