Home, Property, RV Insurance

Home Insurance

Our home is usually the biggest investment that most of us have; having insurance is essential to the financial well-being of every homeowner.

Will Your Coverage Weather the Storms in Texas?

Even the storms are bigger in Texas. In fact, the Weather Channel named Texas as the #1 most disastrous state in the U.S. Since 1953, the state has seen 86 presidentially declared weather disasters. From El Paso to Galveston, Texans experience tornadoes, floods, windstorms, wildfires, and regular coastal hurricanes. While many of these perils are covered by standard home insurance policies, floods are not and some policyholders have opted out of wind coverage to cut their premium. With the unpredictable nature of Mother Nature, it's never a good idea to sacrifice coverage to cut costs.

Review your current policy and see what perils are covered and which are not. You may need to adjust your coverage to keep your home fully protected. If you live in an area prone to flooding, you should seriously consider purchasing a flood insurance policy through the National Flood Insurance Program. Check here to see if your community sits in a flood hazard zone.

Collision:

If you're in an automobile accident, regardless of who is at fault, collision insurance provides protection to replace or repair your vehicle, subject to a deductible.

Comprehensive:

In the event of hail damage or a tree limb falling on your car (risks not involving an automobile collision), this coverage insures you. Comprehensive coverage pays to repair your vehicle, subject to a separate deductible.

Personal Injury Protection:

This type of insurance coverage is for medical and other expenses resulting from an automobile accident for the people specified in the policy, regardless of who is at fault in the accident.

Bodily Injury and Property Damage Liability Coverage:

The insurer agrees to pay damages if you injure someone or his property in an auto accident.

Uninsured or Under Insured Motorist Liability Coverage:

If you're in an accident with another driver who doesn't carry any or enough liability coverage, uninsured or under insured motorist liability coverage allows you to collect damages that you personally experience from the accident.

We offer replacement cost coverage for your items. That means you can repair or replace your stolen or damaged property with items similar in quality and worth.

A Multi-Line Insurance Agency: We offer personal auto, business auto, commercial auto, Home Insurance, Mobile Home Insurance, insurance for Duplex, 3 plex, and 4 plex, Travel Trailer Insurance, RV Insurance. We also provide insurance for ATV’S, Motorcycle, Jet Ski, Watercraft, Boats & Renters Insurance. General Liability, Property Insurance, Commercial Property and Builders RIsk insurance. SR22, Liquor Liability, Garage Insurance, Vacant Property Insurance, Flood Insurance, Bonds, Workers Compensation Insurance, Umbrella insurance, Limousine Service insurance, Commercial Auto for Local, Intermediate and long haul.

Insurance coverage for mobile and manufactured homes is usually similar to a standard homeowners policy, offering coverage for the home, your personal property and liability claims. The two basic types of coverage typically included in mobile home insurance policies are for physical damage and personal liability.

Protect whatever type of recreation vehicle you have so you can spend your time traveling and enjoying it. Your RV insurance policy can also protect your traveling companions and your valuables when you're on a trip. We also offer motor home insurance, travel trailer insurance and camper insurance too.