Insurance Over Texas

430 Hwy 6 S. #102
Houston, TX 77079

About Insurance Over Texas

Renters’ Insurance Suggestions for Shared Living Spaces

Renters’ insurance provides protection for personal belongings. It also covers legal costs for liability claims that are placed against an insured individual. Learn how you and your new roommate can acquire the protection you both need.


First, you should know that a renters’ insurance policy will have a coverage limit. If you and your roommate decide to share an insurance policy, the coverage limit would need to be split between you.

Because doing this would lower your potential claim amount, you should each consider buying your own separate renters’ insurance policy. By having two separate policies, you and your roommate can customize the coverage you are each supplied with.


An inventory should be taken before you and your roommate acquire renters’ insurance. An inventory will help you and your roommate track which items will be stored in the apartment. It will prevent you or your roommate from overlooking a personal possession when purchasing a renters’ insurance policy.

The inventory should include furnishings, jewelry, clothing, and any other items that are valuable to you and your roommate. The list that you each create should be stored in a secure area that can be easily accessed.

Whenever you or your roommate decide to invest in a new possession, the inventory should be updated to reflect each purchase. Then, the existing renters’ insurance policy should be updated.

More Advice

One of our agents, who serves Houston, TX, can provide you with additional advice concerning renters’ insurance. Contact a representative of Insurance Over Texas to schedule an appointment with an agent.

Share this article

Why All Homeowners Need Flood Insurance

Many homeowners are often under the impression that their area couldn’t possibly flood. However, floods can occur nearly everywhere, making it crucial for homeowners always to stay prepared. If you own a home, pairing your home insurance with a robust flood insurance policy is necessary to keep your property and assets safe. Get detailed insights on flood insurance from Insurance Over Texas in Houston, TX.

The Value of Flood Insurance Alongside Home Insurance

Many homeowners are under the erroneous belief that their home insurance policy is sufficient protection against floods, which isn’t the case. Floods are typically excluded from home insurance coverage, meaning a flood could result in total property loss if you don’t have a valid flood insurance policy. Regardless of your home insurance policy, you bear the financial burden for all flood-inflicted damages without flood insurance.

Understanding Flood Zones

Certain areas are designated as flood zones, and these zones carry expectations of periodic flooding. Many homeowners realize the mandatory requirement for flood insurance upon moving into these flood-prone zones. However, it’s not advisable to forego flood insurance if you live outside these zones. Statistics indicate that approximately 20% of flood damage claims originate from areas outside of flood zones, implying that virtually any home is susceptible to flooding.

Don’t leave your home unprotected against potential flooding. Contact Insurance Over Texas in Houston, TX today to get your flood insurance policy.

Share this article

All you need to know about condo insurance in 2024

Are you planning to purchase a condo unit? Then, you should also think about condo insurance as well. In this blog post, you can find all the information you need regarding condo insurance in 2024 in the state of Texas:

  • The state of Texas does not require condo owners to carry condo insurance.  Even though you do not have to purchase condo insurance, many mortgage lenders still require condo buyers to have it to be approved for a loan. If you are buying a unit for cash and you do not even need a loan, then you do not have to get condo insurance. 
  • Compared to home insurance, condo insurance is quite limited. Usually, home insurance has broader coverage because it covers so many aspects of the property, such as the land and other structures belonging to the property. Since condo insurance covers just one unit, its coverage is quite limited
  • There are several types of condo insurance. You can choose the most suitable coverage depending on your personal insurance needs. For example, one coverage covers your personal items only, while the other covers living expenses if your unit becomes temporarily uninhabitable.

Are you a condo owner living in Houston, TX, or any nearby area in Texas?

Are you shopping for condo insurance? Insurance Over Texas is a local insurance company in Texas ready to assist you with your insurance needs. We serve clients in Houston, TX, and other areas in Texas and help them find insurance policies based on their needs and budget. Thus, do not hesitate to reach out to us—we are here for you. 

Share this article

Learn How To File a Health Insurance Claim Form

Navigating the Health Insurance Claim Process

Receiving medical services often necessitates submitting an insurance claim form to be compensated for out-of-pocket expenses. The following is a fundamental guide on how to approach this process. For further support in Houston, TX, reach out to our proficient agents at Insurance Over Texas.

Understanding Your Insurance Policy

The first step is to thoroughly review your insurance paperwork, which stipulates the coverage provided and outlines the cost you are accountable for. The documents also feature important contact information, which can be handy during the claim filing process should any queries or issues arise.

Submitting the Claim

Completing an insurance claim form is mandatory each time you file a claim. Your medical provider will frequently have readily available forms for this process, and some even offer a filing service that includes completing and submitting the paperwork for you. It is advisable to confirm what is available from your medical provider during your appointment.

Record Keeping

Documenting how much you spend on medical services accurately aids in calculating the refund due to you. Storing these records securely, such as a residential safe or lock box, ensures they’re readily available when needed. Adequate knowledge of your health insurance policy simplifies these calculations.

Contacting Insurance Over Texas

After acquainting yourself with your insurance policy and the claim filing process, connect with our agents serving Houston, TX. They can aid in card updating and handle all inquiries you may have about your health insurance coverage.

Share this article

Is Your Vehicle Houston-Ready? Get Covered with Comprehensive Auto Insurance

Unexpected weather events, natural disasters, and the nature of an urban lifestyle mean the likelihood of mishaps and accidents on the road is high for Houston, TX, drivers. An increased likelihood of accidents in an overcrowded city means Houston’s drivers must protect their passengers and autos from the devastating economic effects of accidents and non-collision-related events before venturing out into the heart of our beloved city, uninsured. 

Insurance experts at Insurance Over Texas help local drivers understand their best coverage options and choose comprehensive insurance policies that protect their vehicle and its passengers in the event of auto accidents and other covered events, including thefts, flooding, damage from natural disasters, and even vandalism. 

Get Houston-Ready with Comprehensive Auto Insurance

The first step to choosing the right policy for you and other drivers in your household is to speak with a knowledgeable and trusted insurance agent who can advise you of available coverage options. You will need to provide a trusted agent with important details related to your driving history so they can provide you with a comprehensive insurance quote. 

Starting a new auto insurance policy in Alabama is as easy as contacting a trusted insurance agent at Insurance Over Texas and providing a few driving-related details to receive your free quote. You can activate a new policy after selecting your desired coverages and deductible levels and be covered with comprehensive protection as soon as the same day. 

Auto Insurance Quotes in Houston, TX

Don’t wait until the inevitable happens and you find yourself facing out-of-pocket costs for damages in at-fault or non-collision-related accidents. Contact the knowledgeable and friendly insurance agents at Insurance Over Texas and ensure your vehicle is Houston-ready today! 

Share this article

Wading Through Coverage Options: What You Need to Know About Flood Insurance in Houston

Recent floods in the city of Houston, TX, and nearby areas have local residents rethinking the importance of protecting their homes and assets from the devastating financial effects of severe flooding. 

The flood insurance professionals at Insurance Over Texas in Houston, TX can help you understand the benefits of having flood insurance!

Knowledgeable agents can explain how an adequate flood insurance policy can help safeguard your property and personal belongings from financial loss. 

Wading Through Coverage Options for Texas Flood Insurance

Understanding the risk is the most crucial component of choosing a flood insurance policy in Houston. Houston’s unique geographical location makes it highly susceptible to unpredictable weather patterns that can lead to severe storms and floods originating in the Gulf of Mexico. 

Some areas of Houston are highly flood-prone. Some areas of the city may legally require residents to have adequate flood insurance under the National Flood Insurance Program.

Living in a potential flood zone means having comprehensive flood insurance is one of the best ways to protect your home and family from damage when the next flooding event occurs. 

Flood Insurance is a Legal Requirement in Flood-Prone Areas

Talk to flood insurance professionals to learn more about whether your home or properties are in the NFIP or FEMA flood zone and get options for comprehensive coverage to safeguard your assets.

Trusted insurance agents can guide you through choosing the best flood insurance policy to protect your family from devastating losses. Please don’t wait until the floodgates open, and it is too late to secure your home, automobiles, and your most prized possessions.

Contact a licensed insurance agent at Insurance Over Texas for a free flood insurance quote today! 

Share this article

Four Reasons to Get Condo Insurance

If you’re buying a condo and thinking about getting condo insurance, there are many reasons to invest in this vital insurance coverage. Insurance Over Texas Agency is proud to provide condo insurance for customers in the Houston, TX area. Knowing the reasons to get this kind of insurance for your property can help you take proper care of your property. 

1. Your condo insurance helps limit your financial risk when a covered event occurs.

Condo insurance can pay for repairs to your part of the property when a covered event occurs. Covered events like fire and theft can be financially devastating, and some condo owners never recover. Condo insurance makes recovery from covered events easier and less financially devastating. 

2. If you need one, Getting condo insurance allows you to get a mortgage.

If you’re getting a mortgage to pay for your condo, your bank will require condo insurance to approve your mortgage. Getting condo insurance allows you the flexibility to borrow the money for your condo if that’s what you need. 

3. Condo insurance can cover living expenses in the event of a covered event. 

If your condo is damaged in a covered event, like a fire, you may need to live elsewhere while repairs are underway. Your condo insurance will pay for your living expenses during this time, so you can stay in a hotel if needed. 

4. Condo insurance can be a lot more affordable than recovering from a disaster.

Paying to repair your condo after a covered event can be very expensive. Condo insurance from the Insurance Over Texas Agency can be much more affordable than paying to repair your condo. Call today to learn more about getting condo insurance in Houston, TX. 

Share this article

Six Amazing Benefits of Health Insurance

The advantages of health insurance include help paying expenses from accidents and illnesses. It can give you peace of mind and help you safeguard your financial well-being. At Insurance Over Texas, our agents answer your most pressing questions about which policy might work best for you. Start by exploring six significant benefits of purchasing health insurance. 

Great Reasons to Buy Health Insurance

Many policies cover most or all expenses related to a stay in the ICU, a visit to the emergency room, and healthcare worker fees. The right coverage can give you peace of mind so that you can focus on your recovery. Although every policy is different, many cover pre- and post-hospitalization checks and tests. That’s another excellent reason to have insurance. 

Coverage for preventive care and no-claim bonuses are two more reasons to invest in health insurance. Find out if your current policy covers annual checkups and other preventive care. Many insurers want to keep policyholders as healthy as possible, so they offer incentives that promote wellness. Ask your agent about no-claim bonuses that allow certain policyholders to increase their coverage with no additional costs. 

Other benefits include access to coverage at any age and tax advantages. There are policies available for individuals of all ages. If you need assistance finding health insurance that meets your needs, contact our team in Houston, TX. In most cases, you can take advantage of tax rebates for coverage, too. 

Trusted Insurance Agency in Houston, TX

Do you want assistance reviewing your current coverage for gaps? Perhaps you’re currently not insured but want to be. Let us help you find the right policy to meet your family’s needs. Contact Insurance Over Texas to learn more about the advantages of health insurance. 

Share this article

Is Auto Insurance Required in Texas?

Our agents at Insurance Over Texas, serving the Houston, TX area, want you to know that auto liability insurance is required in Texas. You must have a minimum amount of liability insurance to legally drive on public streets so that if you cause an accident, any injuries or property damage you cause will be covered by your insurance policy. They also want you to know that there are several other auto insurance coverage options to choose from. Read on for more information.

Auto Insurance Coverage Options

Comprehensive Auto Insurance

This type of coverage pays for damages to your vehicle caused by vandalism, fire, or a natural disaster. It will also help you replace your vehicle if your vehicle is stolen.

Collision Auto Insurance

Collision insurance pays for damages that result from a collision with another vehicle or stationary object.

Medical Payments

This coverage can go towards any medical expenses and passengers in your vehicle that you may incur from an accident.

Uninsured and Underinsured Motorist Coverage

This type of auto insurance will help cover your injuries if you are involved in an accident with a driver who is not insured or underinsured.

Personal Injury Protection (PIP) Coverage

This type of auto insurance is very similar to the medical payments option since it does help you pay for the medical bills of you and your passengers. The difference is that it will also pay for things like lost wages and other nonmedical costs. Texas auto policies normally include this type of coverage, but you can drop it if you refuse it in writing.

Contact Insurance Over Texas

To create an auto insurance policy that works best for you and your situation, contact our experienced auto insurance agents at Insurance Over Texas, serving the Houston, TX area, today!

Share this article

Required Commercial Insurance in Texas

When you own a Texas business, there are many different types of commercial insurance that can help you protect that business. There is one type that is required for certain businesses. Others are highly recommended because they can save a business from financial destruction. When you need to get any type of commercial insurance, you can call us at Insurance Over Texas in Houston, TX to find out more. 

Commercial Auto Insurance

It’s required that you have commercial auto insurance if your business owns a vehicle. Every vehicle must be covered by these policies in order to stay legal. If you had a personal auto insurance policy on a work vehicle, they generally would not pay out for an accident. There are three amounts of coverage that have to be included in the policy. One is for bodily injury liability for a single person who is injured in an accident. Another is a per-accident amount for bodily injury liability. The last is for property damage liability. The required amounts in the state are average when compared to other states, and you may want to add more coverage in case of serious accidents. It’s generally recommended to get collision coverage as well. This pays for the damage to your work vehicle in an accident. 

Other Commercial Insurance

While other states mandate that companies have workers’ compensation insurance, Texas does not. However, it’s a good idea to get this coverage if you have any employees. This is liability coverage that will pay for the medical bills and other costs associated with accidents that happen on the job. It’s important to have this insurance to keep your business protected against what could be huge medical bills. There are also other useful commercial policies you may need such as cyber insurance, professional liability, and more. 

Get Commercial Insurance

To get the policies you need, call us at Insurance Over Texas in Houston, TX. 

Share this article

Insurance Blog

Servicing States

  • Texas