Texas Insurance Information and Articles: Home and
Auto Insurance, Texas Business Insurance and More

Important coverages left off Texas homeowners insurance policies!

(IS THE CHEAPEST QUOTE ALWAYS THE BEST?)

Today many agents are using substandard deductibles. For example in order to reduce the total premium a 2% or even 5% deductible will be placed on the policy. (Sometimes unknowingly to the consumer)

Would You Like To Save Money on Your Texas Home Insurance

Your home is probably your most valuable asset. It is also a huge risk for you financially. What if something happens to it? A fire? A flood? Vandalism? What if someone visiting you slips, falls and suffers a serious injury? And sues you? An accident like that could put a dent or worse in your financial security. Read this article to find out how to purchase the proper insurance for your home at the right price.

The Way Your Texas Auto Insurance Agent Handles Your Insurance Could Financially Kill You and Your Family!

Failing to Review All Rating Factors Each Anniversary Coverage negligence is not the only way an agent can kill you financially. He can also hurt you by failing to annually review your rating factors to determine if you may have improved to the point that he can write you at a lower rate someplace else.

The questions a professional Texas insurance agent should be determining asking at each policy anniversary are...

AUTOMOBILE INSURANCE COVERAGE DESCRIPTIONS

• Pays when you are legally liable for injury or death caused by your vehicle. Legal fees, bail bonds and court costs are also included. Pays up to the first limit for each person and up to the second limit, maximum, 1hr all persons injured or killed in any accident when you are legally liable. Some policies are "Single Limit" which means Bodily Injury and Property Damage are all in one "Single limit. $100,000 Single Limit means the maximum coverage available for any one accident is $100,000 including BOTH B1 and PD.

Why this is happening and what can you do to keep your premiums low and your coverage high?

There is going to be a surprise waiting for you in your mailbox and it&'s not the kind of surprise that you are going to like. Homeowner insurance premiums are going up this year at a pace I have not seen for more than 20 years!

Not every one is going to get hit with big rate increases, but if you do get hit, there are ways for you to minimize the overall impact to your budget and still keep your coverage. But before we get into that, lets try to figure out what is happening here.

Your Home and Auto Insurance Are With Different Agents

Do you have a homeowners or renters insurance policy? If so, is it with the same insurance company that provides your auto insurance? If the answer is no, you are paying too much for both policies.

Almost every insurance company that sells auto insurance wants its policyholders to also buy homeowners or renters insurance from that company. These insurers offer so-called multi-policy discounts. Usually, these discounts are at least 10% and some insurers apply the discounts to both the auto and the homeowners/renters policy.

Talk to your agent about multi-policy discounts.

What You as a Small Business Owner Can and Must Do to Shield Your Company from Financial Disaster and Give You Peace of Mind.

If you are like most people in business, your company is, next to your family, your pride and joy. It is also the major source of financial security for you and your family; your greatest asset.

In many ways, your business is your life.

Answer these questions to discover if you could be leaving yourself open to financial disaster!

1. Is your equipment or merchandise insured while in transit, at a trade show, and anywhere else other than your regular business address?
   
2. The police call you at 2 in the morning. Your windows are broken and Noah and the animals are just boarding the Ark. Will your insurance pay for the horrendous water damage and your lost income since it will be easily 4 months before you're open for business again?
   

What you will discover about umbrella insurance in this report:

• How easy and common it is to be the target of a lawsuit!
• How to get massive protection for just pennies a day
• What you should know about whats not covered with Umbrella Insurance
• Tips on how to SAVE MONEY
• Insurance jargon demystified! What are you really getting? Find out here... and much, much more!

Driving Around School

• Get to school five to ten minutes early and leave five minutes late to avoid the mad dash into and out from the parking lots. Many accidents happen when kids are rushing around.
• If your school lot has perpendicular spaces (not angle parking), park in a space you can pull straight out of instead of having to back out. Backing out in crowed lots is tricky. Watch for kids getting on and off school buses--and don't run into the school buses, either.

How To Protect Your In Home Business

If you have - or are even considering - an in-home business, you simply must read this report in order to make sure that you and your business are getting the right protection!

If you are not working at home yet, you may be soon. For more and more Americans, their commute to work is from the kitchen or living room, to the den or study. By some estimates, there are as many as 18 million home-based businesses in the United States, and that number is expected to grow rapidly.

Insurance companies don't pay for your employee injuries - they just finance them for you at usury interest rates.

Do you realize that you pay $2 to $3 back to the insurance company for every dollar they pay out for your employee injuries? Each claim results in the most expensive financing contract you have in your business. You pay outrageous premiums. Then you have to pay for almost all of your claims.

• For employee injuries through lost dividends and return of premium
• Increased costs because your Experience Modification skyrockets
• Lost productivity
• Reduced morale for the unhurt employees who fill in for the injured employee.
• Increased stress for management and staff

Avoid The Seven Fatal Sins Of Term Life Insurance

I have a very important question to ask you...

Do You Know What to Look For When Selecting a Texas Term Life Insurance Plan?

The reason I am asking you this is because the selection of the wrong Texas Term Life insurance plan could cost you and your family dearly.

The Importance of Long Term Care Insurance

Long-Term Care Insurance

Private long-term care insurance can help protect people with a disability or chronic health condition from the high costs of long-term care. Private Texas long-term care policies cover a wide range of services, such as home care, to help people live at home, or assisted living facilities and nursing homes.

Package your Texas home and auto insurance and save up to 30%

Before you purchase a vehicle you should know the factors that effect your current Texas auto insurance rate. Auto insurance premiums are based partially apon the price tag on the car, the cost for repairs, the dependability of the vehicles safety, and the likelyhood of it being stolen. Many insurance companies offer special discounts for vehicles that have enhanced safety features, such as daytime running lights, or enhanced safety devices, such as an alarm system.

Auto Insurance in Houston, Texas - Free Online Quote

Auto Insurance in Houston, Texas - Free Online Quote

1. Safe driving – No accidents
   
2. Contact a Texas independent insurance agent and compare prices.
   
3. Raise your deductible as high as you feel comfortable with
   
4. Do not purchase a vehicle before you know what your monthly insurance payments will be

Driving without auto insurance in Houston, Texas is no longer an option. Driving without Texas insurance is illegal and if you get caught you will pay. On your third strike you wont only pay but you will be locked up as well.

Below I have provided eight questions everyone should ask a Texas auto insurance before placing their insurance within their agency. This should help you find the right agent for your auto insurance in Houston, Texas.

• Direct Writers
  • Texas insurance agents who are employees of the insurance company and only allowed to sale through that particular company

At Insurance Over Texas we offer a wide variety of Texas commercial insurance products for both large and small businesses. We know purchasing Texas commercial insurance can be confusing so we have created this informative commercial insurance reference guide. This will provide you with a brief summary of the coverage’s of the different commercial policy types.

Below you will find Texas commercial insurance policy information for some of our areas of specialty, such as business owner policy, commercial property insurance, liability insurance, commercial auto insurance, builders risk, and much more.

A question I get all the time as a Texas independent insurance agent is what are the factors the insurance companies considers when rating your auto insurance in Houston, Texas? The truth is there are many factors considered. Below I have provided some information about the key factors companies use to determine your rate. Make sure you are taking advantage of all the auto insurance discounts shown below. Taking advantage of the available auto discounts will help lower your premium rate.