Insurance Over Texas

430 Hwy 6 S. #102
Houston, TX 77079

About Insurance Over Texas

What Houston TX residents Need to know about Condo insurance

Condominium owners who reside in their Houston, TX units must insure property they possess within their condo. These personal properties include clothing, appliances, furniture, and electronics. This policy is tailored to offer liability protection for property damage and afflicted bodily injuries to others. In Houston, TX the condo association’s coverage comes to a standstill after protecting the exterior walls, meaning that you are wholly responsible for protecting the interior walls and fixtures.

This responsibility warrants acquiring salient condo insurance to guarantee imminent perils like windstorms, smoke, theft, and vandalism strikes. Connect with us at Insurance Over Texas situated in Houston, TX and speak with our licensed agents who can assist you with your condo insurance quotes.

Sometimes designing a spectacular package for condo insurance in Houston, TX that suits your individual needs, it’s a daunting task. Thankfully, Insurance Over Texas is here to help! We will assist you to determine the amount of coverage you need, and we will help you grab it at the most competitive rates available.

What types of condo insurance coverages are offered at Insurance Over Texas in Houston, TX?

  • Personal liability coverage: It caters to related legal costs if someone is accidentally injured while residing in your condominium, and you are deemed liable.
  • Guest medical: It pays medical costs if your guest is injured while at your condominium, even if you are deemed liable for the cause of the accident.
  • Building property protection: It typically assists in settling costs for repairs to your condo unit walls, including its interior, which includes items like built-in bookcases and fixtures if a covered peril exacerbates destruction.
  • Personal property coverage: Personal possession such as appliances, clothing, and furniture are covered under personal property policy if a covered disaster ravages them.

Call us or visit our Insurance Over Texas located in Houston, TX and our charismatic agents will help you acquire an outstanding condo insurance policy suiting your needs.

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Health insurance terms you need to understand

If there is anything that is likely to make you feel inadequate it is having to deal with choosing medical insurance. Such an important decision with serious consequences for a wrong choice. Your entire healthcare for the next year depends on your choosing the right coverage. Unless you are into insurance or in the medical profession, chances are some of the terms you will come across will not be familiar. If they are familiar you may not understand their meaning in this context. At Insurance Over Texas in Houston, TX, we are here to help you to tackle this important choice with the knowledge you need. 

PPO

A PPO (Preferred Provider Organization) is a type of managed healthcare plan that allows you to visit providers both in and out of your network. You also don’t need to see a Primary Care Physician for a referral to a specialist. 

HMO

An HMO (Health Maintenance Organization) is a type of managed healthcare plan where you must have a Primary Care Physician who manages your care. You get your healthcare through providers within the network. If you get care outside the network you pay the entire bill out of pocket. The plans are usually less expensive but you have fewer choices. 

Deductible

The deductible on your policy is the amount you must pay annually before your health insurance starts to cover. Some exceptions may be preventative care. With a high deductible, you will pay less for your policy. 

HSA

A Health Savings Account allows you to save money pre-tax so you are able to pay medical expenses that aren’t covered by your high deductible health insurance policy. Every year there are fixed limits on the amount you can place in your account. Talk to your financial advisor about the amount you can save. 

Contact Insurance Over Texas in Houston, TX for all your insurance needs. 

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Do I need auto insurance when my car loan is paid off

Given the price of buying a new car, your car loan may be as long as 6 years. After paying for such a long time a celebration is called for. Not having a payment every month is worth celebrating. When you have a car loan, you must have a fully loaded insurance policy. Once you are not required by the lender to have auto insurance you may be considering letting your coverage lapse. At Insurance Over Texas Houston, TX we put our customers’ needs first and will work with you to find quality insurance at a price you can afford. 

The answer to the question "Do I need auto insurance when my car loan is paid off?" is yes, in Texas you do. You need to carry liability coverage in the amount of 30/60/25 or if not liability insurance then provide proof of the financial means to pay out of your own pocket for any damage you cause. In Texas, a basic policy will also include PIP (Personal Injury Protection) insurance and uninsured/underinsured motorist coverage unless you specifically ask to have it not included. 

The other types of coverage available but not required are collision and comprehensive. Collision protects your vehicle in the event you are the responsible party in an accident. Depending on the value of your vehicle, this coverage makes sense. If your vehicle has a value of less than $1,000 then you can skip it. Comprehensive covers your vehicle from hazards you have no control over. If your car is stolen or vandalized, damaged by flooding, fire, or high winds and hail, this insurance will pay to have your vehicle repaired or replaced. 

Contact Insurance Over Texas in Houston, TX to get a no-obligation auto insurance quote and the answer to any insurance questions you may have. 

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How Much Flood Insurance Do I actually Need?

Having flood insurance is important, especially if you live in a flood-prone area. And even if you do not, it is still worth having as additional protection of your home and personal belongings. However, according to official statistics, only 18% of American homeowners have flood insurance. If you are thinking of buying flood insurance for your property but you do not know how much coverage you actually need, Insurance Over Texas serving clients in Houston, TX and other surrounding areas has prepared a brief guide for you:

How Much Flood Insurance Do I Actually Need?

If your home is located in a flood-prone area, you should consider getting more than the required amount. Your flood insurance coverage should be equal to the value of your home and personal belongings. It includes not only the house itself but also everything that is inside your home, including appliances, furniture, clothing, and other belongings. There are some items though that may be exempt from coverage, such as golf carts, outdoor furniture, and some others. 

When shopping for flood insurance, you should remember that there are policies with individual limits on personal belongings within a specific category. Instead of focusing on the cost of insurance, you should think about how much you will need to protect your personal items by categorizing them. For example, if you have a jewelry collection that costs $10,000, your flood insurance policy may not be enough to carry the loss. 

Flood insurance is not mandatory but it is good to have it, especially if you live in a flood-prone area like Houston, TX. Flood insurance will protect your home and all the belongings you have inside. If you have bought a house and you are currently looking for a trustworthy insurance company to purchase a flood insurance policy, Insurance Over Texas will be glad to assist you. All you need to do is to visit our website or give us a call to talk to one of our insurance agents. 

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A Guide To Help Texas Residents Find The Right Condo Insurance Policy

Insurance Over Texas serves the Houston, TX community, as well as the surrounding areas through providing insurance coverage. We strive to serve our clients with a high level of professionalism. As an independent agency, we have established successful partnerships with multiple carriers in Texas.

Condo Insurance

If you are staying in one of the beautiful condos in the Houston TX area, condo insurance allows you to protect your unit and personal belongings. The policy covers you if it is damaged. Your personal items are also covered if they are damaged or stolen. Liability coverage protects you if you invite someone over and they suffer an injury. If your condo is severely damaged by a thunderstorm or another type of natural disaster, the policy will cover you if you have to seek additional housing elsewhere.

You can amend the policy to cover your personal items when you are traveling with them. If your personal items are stolen while you are on vacation, you will be covered. Also, keep in mind that if you have some luxury items, you may have to look into extra coverage to protect those items if they are damaged or stolen. Consider getting your luxury items appraised. That should give you a clear estimate regarding the true value of your luxury items.

Because the weather in Texas can be severe at any moment, make sure that you consider the possibility of flooding. Make sure that the policy covers your unit and personal items if a flood causes damages. Potential wind and hurricane damage are other variables that you have to think about while researching coverage.

Consult With Insurance Over Texas

Visit our website today to learn more information about condo insurance.

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Questions you need to ask before choosing a health insurance policy

Choosing a health insurance policy is one of the most important decisions you make. Your health literally depends on it. For some people the question foremost on their mind is "how much will this cost" and while the cost is important, so many other things are more important. It is not worth getting a low price policy that in the end will not offer you any coverage. Talking to a trusted independent agency like Insurance Over Texas in Houston, TX makes good sense when something so important is at stake. 

What type of plan is this

Is the plan you are considering a PPO (Prefered Provider Organization) or an HMO (Health Maintenance Organization). With a PPO you get the best deal by getting your health care through their network of caregivers. You don’t need to have a primary care doctor who coordinates your healthcare, you can visit anyone in the network. With an HMO you have a primary care doctor and you need to be referred to a specialist from your primary care physician. 

Are my doctors on the plan?

Most people have a doctor or doctors who they regularly visit and they trust them to provide medical care. You need to check the list of doctors who are in the plan to make sure you won’t lose your favorite. 

Are my prescriptions covered?

Every plan has a formulary that lists the covered drugs and places them into tiers. The tiers determine the cost. First, you need to make sure your drugs are on the list and then what tier are they in. 

At  Insurance Over Texas in Houston, TX, our customer’s insurance needs are our primary concern. We are here to answer any questions you have about your health insurance. Give us a call or stop into our office for the personal care you deserve. 

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How Much Auto Insurance Do I Really Need?

Few of us would debate the need for auto insurance if we’re currently navigating the streets and highways in a car. It’s an absolute necessity. However, many people may wonder exactly how much insurance coverage is actually a necessity. The answer to this question will vary according to where you live. States have their own requirements when it comes to the minimum auto insurance state residents are required to carry as drivers. However, there are other variables that you’ll need to consider when it comes to accurately answer the question. 

State Minimums

As a driver, how much auto insurance you are required to cover will initially be determined by the state in which you live. Texas residents, like residents in other states, are required to carry specific minimums in auto insurance. Auto liability coverage is a requirement in the amount of $30,000 for bodily injury liability, this is per individual. Liability insurance minims also include coverage of $60,000 per accident. This insurance also includes liability coverage that includes $25,000 for property damage. All Texas drivers must carry these minimums in order to legally drive in the state of Texas.

Other Considerations

The minimum coverage may be adequate for many Texas drivers. It meets the state’s legal requirements to operate a vehicle. However, you may have other obligations that extend beyond the state’s requirements. For example, if you took out an auto loan to finance your car, more than likely the lender will require you to carry comprehensive insurance. Comprehensive or full coverage insurance coverage protects the lender by ensuring that their investment is protected and they can be compensated if something happens to the vehicle before the loan holder has paid off his or her auto loan. Insurance Over Texas of Houston TX takes pride in educating Texas residents about the state’s auto insurance requirements. We are also committed to helping Texas drivers choose coverage limits that will be most beneficial to them and understanding what’s truly necessary and what isn’t. Give us a call. We can’t wait to answer your questions. 

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Ways that commercial insurance protects my business

Every business no matter how big or how small has vulnerabilities. All companies are in business to make money and many things can stop the flow of cash to your business. Commercial insurance is designed to help lessen the impact of anything that happens and help you to stay viable no matter what. Having a trusted insurance agent like Insurance Over Texas in Houston, TX can guarantee you have the protection you need when you need it. As independent agents, they can offer the finest carrier in the business. 

Structuring a policy that fits your business is important. Not every business needs every type of commercial insurance. Some types however can benefit most business and they are as follows. 

General liability insurance

Liability is an important coverage. No one is exempt when it comes to being sued. Legal actions are expensive and even if there isn’t a judgment against you it can be very costly for the representation you require. Without coverage, you could be forced out of business. 

Workers’ compensation

The state of Texas does not require workers’ compensation insurance. But, not having it opens a business up to legal action which can be much more damaging to your business’s bottom line than having the coverage. It also helps retain employees when they know they have this protection. 

Property Insurance

Property insurance protects the building that houses your business if you own it. Even if you rent, you need property insurance to protect your raw material, your office equipment, inventory, and machinery to operate your business. Your business can’t operate without these things. 

If you are ready to get commercial insurance or want your current policy reviewed at Insurance Over Texas in Houston, TX we are here for you. You can reach us on the phone or at our office and we are happy to give a no-obligation quote. 

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Things You Should Know Before Getting Home Insurance

Buying a home is an exciting but overwhelming process. Your new house is your most significant investment in life. Therefore, you want to make sure that it is well protected. The best way to do it is to purchase home insurance. However, choosing an insurance plan is not easy – you want to make sure that your coverage is affordable, reliable, and addresses all your needs. Therefore, before you purchase a certain plan, Insurance Over Texas serving Houston, TX has prepared the list of things you should know: 

What policy does cover, and what does not?

Most standard policies cover damages caused by fire, vandalism, storm, or theft. They also provide liability coverage to a homeowner if he is sued. However, such things as earthquakes, floods, sinkholes, war, and other events are not included in a standard home insurance policy and require additional coverage. Make sure that you discuss all the details with an insurance agency and find out what exactly your home insurance covers. 

"Toys" on your property that may increase the cost of insurance

Certain things are considered high risk because they can cause injuries and damages to the property. The most common are swimming pools and trampolines. If you have them, then most likely, the cost of your home insurance will be higher. It is essential to know and remember this when you are shopping around. 

Valuable items are usually not included in the standard coverage.

If you have valuable items in your house, such as pieces of art, jewelry, or antique, they may not be covered under the basic terms of your content coverage. Most standard insurance plans include the belongings only up to a specified limited amount. 

Getting the right home insurance for your home is crucial because it protects your property, your belongings, and yourself. Insurance Over Texas is an experienced insurance agency with over 30 years of experience that serves clients in Houston, TX, and other surrounding areas. Our highly qualified insurance agents are ready to answer all your questions and find the perfect plan based on your needs and budget. 

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An In-Depth Look At Medicare Supplement Insurance

Insurance Over Texas assists people in the Houston, TX area by offering them a variety of insurance policies. We help our clients find unique policies that address their individual needs. We are committed to building meaningful relationships with all of our clients.

Medicare Supplement Insurance

Insurance Over Texas is aware that many people visit the doctor’s office every couple of weeks. If you make frequent doctor visits, you are likely aware that your regular Medicare insurance will not cover everything. That’s why you should consider Medicare supplement insurance. Medicare supplement insurance will fill in those uncovered areas that your regular Medicare policy doesn’t provide. In the event of an emergency, Medicare supplemental insurance will ensure that you are covered.

In order to qualify for Medicare supplemental insurance, you must have Medicare Part A and Part B. Also, be aware that Medicare supplemental insurance differs from Medicare advantage policies. If you are seeking treatment outside of the United States, your Medicare supplement insurance will cover your travel and hospital stay. If you are a senior, you can also use Medicare supplement insurance to cover your stay in a skilled nursing care facility. You can also visit any doctor who accepts Medicare patients without having to get a referral.

There are several different types of Medicare supplemental insurance policies that you can choose from. The plans are labeled A-N. Each of the letters contains a unique coverage set. Also, be aware that your policy is renewable. Insurance Over Texas will help you analyze each plan to find the one that suits your needs.

Insurance Over Texas Will Work With You

We will discuss the differences in each Medicare supplement insurance policy so that you can directly find out which type of coverage you need. Stop by our office in Houston, TX  today!

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