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Frequently Asked Questions

Personal Insurance Frequently Asked Questions

Homeowners Insurance FAQs

Homeowners insurance in Texas will typically cover the dwelling unit itself, personal items inside the home, provide liability coverage, and even additional living expenses after a covered event such as a fire, storm, vandalism, or other event.

No, flood insurance is not part of a standard home insurance policy. In order to have flood coverage, you need to purchase a separate flood insurance policy.

Each client will have unique coverage requirements; however, a good place to start is with the cost to rebuild your home, including replacing lost belongings inside. Different local costs can also affect how much it can cost to rebuild a home.

Many homeowners insurance policies cover hail damage to homes, but coverage limits and deductibles can vary from company to company.

An umbrella policy provides additional protection beyond the limits of your homeowners insurance or auto insurance. This policy can help provide additional protection when a severe accident or lawsuit happens.

Yes! Bundling home and auto insurance can save money and simplify policy management through a single agency and insurance company.

Many people own items or collections that are more expensive than similar items. This includes jewelry, collectibles, firearms, art, and other items that need protection, and these items that exceed the normal homeowner limits can be itemized and protected with this special property insurance.

Depending on the cause of the damage, water damage may be covered by a home insurance policy. Flood-related damage will not normally be covered, while a burst pipe will likely be covered.

Auto Insurance Frequently Asked Questions

Auto insurance policies must have liability coverage that includes bodily injury and property damage that meets the state minimums. Usually, these minimums are far below what most people will want to have.

Many different options can help reduce auto insurance rates. Increasing the deductible, bundling policies, maintaining a clean driving record, and other measures can all positively impact rates.

While many auto insurance policies may provide some rental vehicle coverage, not all do. It is important to review your auto insurance policy to be sure yours has it, and work with our independent insurance agents to find better auto insurance if yours currently doesn’t offer it.

Uninsured and underinsured motorist coverage is designed to help pay for damage and injuries from an uninsured driver.

Yes! Adding teen drivers to your policy can increase your premiums, but many insurance companies offer discounts for good grades as well as driver safety training.

For many auto insurance policies, roadside assistance is a valuable add-on that can cover many different issues, such as towing, battery jumps, flat tire changes, and more.

Yes! Multi-vehicle policies are offered by many insurance companies and can qualify for other discounts.

Having comprehensive coverage for your vehicles can help to pay for damage from storms, hail, falling trees, flooding, and other covered incidents.

Renters Insurance Frequently Asked Questions

Renters insurance is designed to protect personal belongings, provides liability coverage, offers temporary living expenses, and more.

hile renters insurance isn’t legally required, many landlords and apartment communities do require tenants to carry renters insurance in order to sign a lease.

Yes, many renters insurance policies cover issues like theft of belongings even when those items are outside of the apartment or condo.

The amount of renters insurance will vary from client to client. The best way to get a feel for the level of renters insurance coverage needed is to inventory your belongings and the cost to replace them.

Life Insurance Frequently Asked Questions

While there are several different kinds of life insurance policies available, one of the most popular options is term life insurance. Term life insurance provides coverage while also remaining more affordable than other options.

The amount of life insurance coverage needed will vary depending on the needs of the person or family. Clients can use the proceeds for many different things, including paying off debts, replacing lost income with investments, paying for educational costs, and more.

Yes! Many insurance companies offer life insurance that will cover people with pre-existing health conditions.

While both options are life insurance, term life insurance only covers a person for a specified term, usually a set number of years. Whole life insurance usually lasts for the lifetime of the covered person, as long as the premiums are paid, and it can build cash value over time.

Business Insurance Frequently Asked Questions

Business Owners Policy FAQ

A business owners policy combines several different insurance policies into a single bundle. Typically, these bundles include property insurance and liability insurance in a convenient package.

Small businesses of all kinds, including retail stores, professional offices, contractors, and others, can all benefit from a business owners policy that offers savings for bundled policies.

Many BOP policies do include business interruption coverage for lost income. Clients should review their current BOP to see if business interruption insurance is included in their bundle.

General Liability Insurance Frequently Asked Questions

General liability insurance helps protect a business from bodily injury claims, legal fees, property damage, and advertising injury claims.

General liability isn’t required by law in Texas; however, many situations call for having general liability insurance. Landlords, clients, and many contracts require that a business have general liability in place and will require proof of coverage.

No, general liability insurance does not cover employee injuries at the workplace. This is normally covered with workers compensation insurance coverage.

Commercial Property Insurance Frequently Asked Questions

Your commercial property insurance helps protect things like buildings, inventory, furniture, equipment, and other business assets from covered losses, which can include fires, theft, and more.

Yes, commercial property insurance covers many natural disasters, but not all. Flooding and earthquakes usually require separate policies.

Many BOP policies do include business interruption coverage for lost income. Clients should review their current BOP to see if business interruption insurance is included in their bundle.

Commercial Auto Insurance Frequently Asked Questions

Commercial auto insurance works very much like individual auto insurance, but is meant for vehicles used in a commercial setting. Coverages include physical damage, liability, medical payments, and more.

Vehicles that are used in a commercial setting, from a van used for deliveries to trucks transporting work equipment, and even employee transport for business purposes, likely require commercial auto insurance.

Yes, most commercial auto insurance will usually include employees who drive company-owned vehicles for work purposes.

This coverage portion of commercial auto insurance is designed to protect businesses when employees use their personal vehicles or rented vehicles for company-related activities.

Cyber Liability Insurance Frequently Asked Questions

Cyber liability insurance is meant to help a business recover from data breaches and ransomware attacks, perform customer notifications, and cover legal expenses and cyber recovery costs.

Yes, most small businesses lack the resources to recover from a cyber attack, and small businesses are increasingly being targeted by them

Nearly every industry has at least some exposure to potential cyber attacks. Healthcare providers, retailers, professional services, and any business that is storing sensitive customer information benefit from cyber liability insurance.

Yes, many cyber liability insurance policies help to cover the costs of a ransomware attack, including data restoration, business interruption expenses, and more.