Insurance Over Texas

430 Hwy 6 S. #102
Houston, TX 77079

About Insurance Over Texas

Sharing Renter’s Insurance with a Roommate

When it comes to your belongings, you’ve worked hard for them. Thus, it’s imperative to have your items protected just in case an unforeseen incident happens. Sometimes the unthinkable happens, like a disaster that destroys your rental unit with your belongings, or they become stolen.

With this in mind, having a rental insurance property that adequately covers your rental home and things is very important. Also, if you have a roommate, you can share a renters’ insurance property with him/her. There are various pros and cons with this, and each state has its own rules regarding rental insurance and sharing a renters’ insurance policy with a roommate. However, when you use reputable insurance agents who are highly trained and licensed in renter’s insurance, you can eliminate potential issues regarding having a renter’s insurance with your roommate.      

If you live anywhere in Texas, such as Houston, TX, Insurance Over Texas is the insurance company you should contact about any renter’s insurance question. They are highly trained and licensed with several years of experience. They know and empathize with their clients knowing the drama and confusion that sometimes occur with a renter’s insurance policy shared among roommates.

From handling claims to the ownership of shared belongings, Insurance Over Texas in Houston, TX will help you every step of the way. They are affiliated with tons of insurance products, and they will find the right renter’s insurance policy for you.  Located in Houston, they anxiously await to assist you. You can easily contact them via email and phone. Also, you can get a comparison of quotes from them. So, contact them today. 

 

 

Insurance Implications Of Flash Flooding In Texas

Insurance Over Texas, in Houston, TX  offers flood insurance policies, which supplements Federal flood insurance. Homeowners and renters insurance does not cover floods.   Homeowners Insurance generally covers an accidental discharge which is water damage from extinguishing a fire, unintentional damage to a heating or AC system, frozen pipes, fire protection sprinkler system going off and a leaking roof.

The National Flood Insurance Act of 1968 created the National Flood Insurance Program NFIP whose goal is to alleviate the economic losses of a flood through the creation of community building standards.   Community participation in the NFIP was not mandatory, but cooperation allowed the community to purchase flood insurance to pay towards flood economic losses to manage floodplains using insurance to manage a Special Flood Hazard. Congress in 1979, created the Federal  Emergency Management Agency (FEMA).  FEMA has ten regions which employ more than 14,000 employees.  FEMA’s goal is to protect Americans to survive and recover from a national disaster which is either natural, man-made, or acts of terror.  FEMA is well-known to come in action to help people overcome the effects of flooding.  

A flash flood is in low-lying areas as a result of rapid flooding that occurs within six hours between the cessation of rainfall and the onset of the flooding.   Many times the onset of as flash flood is in normally dry areas.  The flash flooding can be associated with harsh thunderstorms or tropical storms, hurricanes, water flow related to melting ice and collapsing of dams.   Texas is predisposed to floods, principally in two significant parts of the state: the coast and a broad area of Texas named Flash Flood Alley that stretches through Central and North Texas and would receive FEMA attention as a Special Flood Hazard.

The agents of insurance Over Texas in Houston,TX can both instruct its clients on how to make a flood claim with FEMA and to offer private flood insurance if FEMA’s limits are surpassed.  Please call!

Protect yourself from negligent neighbors with condo insurance

Condominium insurance can be confusing when it comes to knowing whose insurance is responsible for different types of damage. If you live in a condo, you should have your own insurance in addition to that provided by your Condominium Owners Association (COA) because of the limitations that their policy will have in the event of damage to your unit. The team at Insurance Over Texas is here to help condo owners in the greater Houston, TX area find the right policy to meet their needs. Don’t be fooled by the COA policy that is in place as this will not provide coverage for damage to your unit.

Don’t let your negligent neighbors ruin your condo!

You may be surprised to learn that in most instances you can be held responsible for damage to your condo even if it is caused by a negligent neighbor! While this may seem unfair, it is typically how condo boards operate. When you live in a multi-family dwelling such as a condo, it is vital that you have adequate coverage in place. Your COA insurance protection is typically limited to the common areas of your building and will not cover an event that occurs within your unit. If you are unfortunate enough to have negligent neighbors, your coverage is even more critical. Make sure that you have comprehensive condo insurance in-place at adequate coverage levels to make sure that your home and belongings are covered.

Is it time to review your condo policy for completeness? If you are in the greater Houston, TX area and want to make sure that your condo insurance policy will provide the protection you need, call or stop Insurance Over Texas today for a policy review. We can help you find the most appropriate coverage to meet your needs.

What Does Health Insurance Really Cover?

There are plenty of reasons to live in Houston, TX. One of these reasons is access to world-class health services. Unfortunately, world-class health care is expensive, so you want to make sure you have reliable insurance. While comparing policies, it’s easy to get lost in the murky details. Let’s take a minute to demystify some of that murkiness. Insurance Over Texas has put together this quick list of benefits that will and won’t be covered by most insurance policies.

10 Essential Benefits

The ACA mandates certain levels of minimum coverage, regardless of state. While the applications of this coverage will vary by your policy, you can expect at least some coverage in these ten areas:

  • Outpatient services (you didn’t have to be admitted to the hospital)
  • Emergency services
  • Hospitalization
  • Maternity care
  • Mental health and substance abuse services
  • Prescription Drugs (though not all varieties will always be covered)
  • Rehabilitation
  • Lab Services
  • Preventative services
  • Pediatric services

By federal law, health insurance has to address all ten of these benefits. That doesn’t mean that the coverage will be identical across policies. Deductibles and premiums will still vary even though these ten benefits are universal.

What Isn’t Covered

It’s hard to make broad statements about coverage because there is so much variety, but these services are rarely covered by insurance:

  • Alternative medicine (like acupuncture)
  • Cosmetic surgery
  • Geriatric care (although there are alternatives to help with this)
  • Dental and Vision (unless you get specific policies for these benefits)
  • Weight loss treatment
  • Some medications

You might notice that medication appears on both lists. Some amount of prescription drug coverage is required by law, but insurers have a lot of room in how they distribute those benefits. You might only be covered for generic medications as opposed to brand names, for instance.

If you want a complete view of how your policy works, it helps to talk to an expert. Your Insurance Over Texas agent can go over the details with you to make sure there is no mystery or uncertainty. Remove the doubt so you can have less stress in your life in Houston, TX.

What you can do when your car is totalled

When your car has been in an accident, the insurance company may declare it a total loss and offer you the fair market value of the vehicle. In Texas, state law requires the insurance company to call it a total loss if the repairs are the same or more than the vehicle’s value. Insurance over Texas, located in Houston, TX, can help you get the insurance you need and will work with you if you have an accident in your vehicle.

The fair market value is based on a formula of many items, like the value of similar cars, the condition of your vehicle and such things. That will be all the insurance company will pay you for, and if you owe more than that on the car, you will still have to pay that debt off out of pocket. There is gap insurance to cover that if you owe more than the car is worth and umbrella insurance to extend your limits.

If you do not agree with the fair market value the insurance company offers, you can get your own estimate at your own expense. Gather comparison prices and go to the insurance company and talk about it.

In getting the fair market value, you are selling the insurance company your car in essence. If you want to keep the car, you may do so, but it is a little complicated.  Let your insurance company know you want to keep the car, and if it has not been auctioned, you can keep it. If it has been sent to auction, you may be able to buy it there. The insurance company will subtract the car’s salvage value and pay you the remainder of the car’s fair market value, minus your deductible. For all your insurance needs, visit in person or give us a call at Insurance Over Texas in Houston, TX.

 

3 Commercial Insurance Mistakes That Put Your Business At Risk

As a Houston, TX business owner, one of the most damaging and costly mistakes is not protecting your business and assets with the right kind and amount of commercial insurance coverage. Thinking that you understand the ins and outs of business insurance, you may decide not to work with an experienced Insurance Over Texas agent and won’t be getting a correct picture of your business risks and needs, and fail to purchase adequate coverage. Unfortunately, making the following mistakes can not only cost you more money, but you could also end up losing your business. 

Buying Inadequate Coverage

Many businesses don’t actually purchase enough insurance to cover their potential losses. Purchasing inadequate commercial insurance coverage is only slightly better than no a policy at all. Many business owners realize their mistake when it’s too late and are forced to pay for attorney fees and legal settlements out of pocket.

Carrying Low Deductibles

Carrying a low deductible on your commercial insurance policy may seem like a better decision because it offers more protection, but it may not actually be the best decision for your business. You can lower your costs while still protecting yourself by increasing the deductible on your insurance policies. A high deductible reduces your overall operating costs while still providing protection from the types of losses that could put your business at risk.

Not Buying Business Income Coverage 

Commercial business income coverage, also known as business interruption insurance, will provide financial support in the event that something occurs that interrupts your ability to conduct business and make money. Going without business income coverage can endanger your company just as much as going without property or liability coverage. For example, if your business experiences a fire that damages or destroys all your merchandise, forcing you to close your doors for weeks, your business owner’s property insurance will cover the lost merchandise, but if you don’t have business income coverage, you’ll have no way to recover your lost income during the time you are shuttered.  

The best way to ensure you have the coverage and protection you need for your Houston, TX business is to work with a qualified insurance professional at Insurance Over Texas. We can assess your specific needs and then help you find the best insurance package to meet them. Contact our offices for a quote.

3 Types Of Damage Not Covered By Home Insurance

As a homeowner, you buy home insurance for your peace of mind (and also, because it’s usually a mortgage requirement.) But did you know that not all of the damage your Houston, TX home may sustain is covered by your policy? No matter what your individual Insurance Over Texas policy stipulates, here are three types of damage that are never covered by standard home insurance.

Specific Natural Disasters

Texas is plagued by hurricanes and other severe natural events from time to time. Still, if your home sustains damage from a natural event, the repairs can’t be reimbursed if you only hold a standard home insurance policy. Here are the types of natural disasters that can’t be covered:

  • floods
  • ground shifts resulting from earthquakes
  • damage sustained from strong winds and hurricanes

If you have flood insurance or hurricane insurance, your home is protected. Those are separate policies from the one most homeowners buy.

Lack Of Maintenance

If you neglect your home or allow it to fall into disrepair, you cannot be reimbursed by insurance. Normal wear and tear are not covered by most Houston, TX policies; home insurance is meant to protect your home from sudden occurrences and emergencies. Likewise, if you choose not to make repairs to your home when signs of wear become visible, you void your home insurance policy.

Bug And Rodent Infestations

While your home insurance is useful in covering most unfortunate circumstances, it will not cover vermin infestations. If your home is overcome by roaches or mice, you have to pay out of pocket to exterminate them.

Getting rid of bedbugs can be exceptionally costly, since you may have to replace a portion of your belongings in order to ensure that the bugs won’t return after they are chemically killed off. Bed bug eggs may remain in certain fabric belongings which may need to be thrown away. Even the replacement of these belongings cannot be covered by your homeowner’s policy, however

Are you ready to consult an Insurance Over Texas agent about your new homeowner’s policy? Visit our offices or contact us online to ask some questions or find the policy that fits your needs best.

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