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Houston, TX 77079

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3 legal issues you must understand before buying a condo

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If it’s your first time buying a condo, you may be shocked at all the various factors and legal issues to consider. Condo ownership and living in a condo can be challenging, so be sure it’s the right decision for you beforehand. Insurance Over Texas serving Houston, TX provides condo insurance to protect against issues like theft, fire damage, vandalism, and other issues. Getting this coverage is vital to ensure that, just in case anything happens, you won’t have to pay for the losses out-of-pocket.

Legal Issues When Buying A Condo

Condominiums are considered a form of community living plan whereby you claim ownership of a certain percentage of the whole property together with other owners. As such, there are some legal issues you need to understand. Buying a condominium is more involving than a single-family home because you need to worry about the specific unit and the condo project as a whole.

Ownership

A condominium is a multifamily residential situation whereby every unit is owned privately by different people. The condo association owns common places like the walkways and parking lot, and the condo and unit owners both take responsibility for these common areas’ expenses.

Contract contingencies

When buying a condo, it’s advisable to review the contract and add some contingencies. This allows you to analyze the condo bylaws, restrictions, balance sheets, and budget. It’ll ensure you have a way out of the purchasing agreement if you opt for it.

Association fee

In most states, you are required to pay a condo association fee in addition to the mortgage payment made every month. It’s important to ask about these fees and their scheduling to accommodate them better in your budget.

When you buy a condo, you get ownership of your unit, but the common areas have joint ownership. It’s important to factor in all the legal issues involved when buying a condo, and Insurance Over Texas in Houston, TX can help with that. You will need an insurance representative to help with the Condo owner’s protection coverage for personal property and premises liability. 

Understanding managed care and how it affects your health insurance

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Most healthcare plans these days are managed care. Managed care is not as well understood as it should be and its effects on your health insurance are even less understood. In order to make sure that you get the right health insurance coverage, you need to know what you are choosing. At Insurance Over Texas in Houston, TX, we have more than 30 years of experience providing the residents of the greater Houston area with personalized insurance services. 

Managed care is a type of healthcare that allows the carrier to manage the care of the members. There is not just one type of managed care, but the basic principle is the same in all of them. Your healthcare is limited to a network of providers. How limited again is determined by exactly which type of managed care. You may need to have a primary care physician who will manage your care and they will provide the referral to other care that you may need. 

The main types of managed care are HMO, PPO and POS. 

HMOs (Health Maintenance Organization) are the most restricted type of managed care. They only pay for visits within the network and require that you have a primary care physician who manages the rest of your care. 

PPOs (Preferred Provider Organization)  are less restrictive and you are allowed to get services outside of the network but you will pay more for that service. 

POS (Point of Service) plans are not quite as flexible as a PPO but not as restricted as an HMO. You will need to have a primary care physician but you are allowed to pay more to go outside the network. 

When you are ready to make your health insurance decision, Insurance Over Texas in Houston, TX is here to give you the assistance you need. 

Auto insurance add-ons you may want to consider

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Everything’s bigger in Texas and when you hit the roads, so are your risks. Having the right auto insurance makes all the difference. You can drive with confidence that you are covered no matter what happens. With more than 30 years of experience, Insurance Over Texas in Houston, TX is family-owned and operated. As an independent insurance agency, we are able to offer you more choices, and our complete loyalty. We work for our customers, not one insurance carrier.

Roadside assistance

If you have a breakdown when you are out on the road, it can be very disturbing. Being able to call to get the car towed or to get the flat tire fixed gives you peace of mind. You may already have this type of coverage through the auto club. The cost of roadside assistance from your auto insurance company is a fraction of the cost of the auto club. If you are looking for a way to save a little money, getting roadside assistance helps. 

Gap coverage

When you buy a new car, you often have an auto loan. Everyone knows that as soon as you drive your new car off the lot, it loses value. If you buy a car and then it gets totaled in 3 months, chances are very good that you will not get the amount that you owe from the insurance company. Gap coverage will cover the gap between what you get, minus the deductible, and what you owe on your car loan.

Rental reimbursement coverage

When you have an accident and your car is damaged, you need to have a rental to drive until yours is fixed or you buy a new one. Rental reimbursement coverage will provide you with a car for a predetermined number of days. 

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

Should I Invest in Commercial Insurance?

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Operating a thriving business in Houston, TX occasionally manifests itself with inherent risks. Sometimes it is challenging to operate a small business due to prevailing imminent perils. However, magnificent commercial insurance from Insurance Over Texas will simplify the running of your business and protect against losses emanating from things like damage to property or injury to employees. Commercial insurance is tailored to assist businesses to remain shielded against prevailing catastrophes that may disrupt their success. 

Is commercial insurance mandatory in Texas?

Just like many states, commercial insurance is not legally required in Texas. Additionally, Texas doesn’t require a business to carry workers’ comp insurance. However, as a business owner, it’s paramount to consider workers’ comp insurance for the wellbeing of your business and employees. It caters to expenses related to employees who suffer injuries or get sick on their working premises. Acquiring, salient commercial insurance in Houston TX, your business accrues the following benefits, becoming a massive investment asset:

Protection of workers: If your workers suffer injuries or become sick while working on your business entity, workers’ comp can cushion them. This coverage assists in catering to your worker’s medical attention if they suffer a work-related injury or ailment. It also reimburses their lost wages and extends the deceased employee’s family with financial benefits.

Protection of assets: As a business owner, you are tasked to maintain your business operational. It’s pivotal to safeguard your business against calamities like vandalism and fire. Property insurance guards your inventory and office content no matter what transpires.

Liability protection: In today’s world, we live in a litigious society. General liability coverage covers various instances, including a client’s injuries while on your business property. It entails slander and copyright infringement lawsuits and other potentially devastating issues.

With outstanding commercial insurance, business owners can undoubtedly enjoy peace of mind and operate a productive and successful business for years to come. Feel free to call or visit us at Insurance Over Texas offices in Houston, TX to get detailed information about commercial insurance.

3 Considerations When Buying Home Insurance

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Home insurance is a very important aspect of the home buying process. You should feel confident about this purchase. At Insurance Over Texas serving Houston TX, we make it our business to bring you the information you need for informed buying. Let’s look at 3 considerations when buying home insurance. 

What Are The Legal Requirements?

The first thing you will want to consider is what are your legal obligations concerning home insurance. If you have a mortgage on the property, it is likely that the mortgage lender will require that home insurance be in place for the life of the loan. It is very important that you keep active insurance on a mortgaged property. If you fail to provide appropriate insurance or you allow the insurance to lapse, the mortgage lender can have a forced placed insurance policy activated. This is often very expensive for you as the homeowner. 

How Much Insurance Do You Need?

Each property will have a unique value that needs protection. In addition to this, each family will have its own unique collection of personal assets which will also need protection on the property as well. For these reasons, there is no one size fits all home insurance. The best way to determine how much insurance you need will be to sit down with an insurance representative to discuss your particular property.  They will be able to thoroughly evaluate the value of the property and the assets housed at the property. 

What Is Not Covered?

It is very important that you have a clear understanding of what your policy does not cover. Be sure to read your policy carefully and ask questions about anything you are unclear about. 

If you would like to learn more about our services, please contact us at Insurance Over Texas, serving Houston, TX. 

What Is Medicare Supplies Insurance?

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If you or a loved one are dealing with a long-term illness or medical issues related to aging, then medical equipment will be an important part of your medical treatment. At Insurance Over Texas, serving Houston, TX, we want to help you make smart insurance choices that can affect your health for years to come. Keep reading to learn more about medicare supplies insurance. 

What Is Medicare Supplies Insurance?

Medicare supplies insurance is a type of insurance coverage that will help you obtain and keep the medical equipment you need to stay healthy. This type of insurance usually covers durable medical equipment or DME. DME includes medical supplies which can be used over and over again. This can include but is not limited to:

  • Wheelchairs
  • Hospital beds
  • Kidney machines
  • Oxygen pumps
  • Others 

To discuss specific types of equipment, you can sit down with an insurance representative. 

Why Do I Need Medicare Supplies Insurance?

These types of supplies can be very expensive. If your regular health insurance policy does not cover these items, you will want to make sure you have provisions for them. Medicare supplies insurance can help you obtain these important types of equipment. 

Do I Qualify For This Insurance?

In order to see if you qualify, you should sit down with an insurance representative. You can discuss your particular medical needs and they can help you find out what you qualify for. 

If you would like to learn more about our services, please contact us at Insurance Over Texas, serving Houston, TX. We will be very happy to answer your questions and help you find the perfect insurance products for you and your family. 

Is Renters Insurance Required in Texas?

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While renting an apartment, condo, or home in Houston, TX gives you the flexibility of the neighborhood you want to live in; you need to put renters insurance in your mind. Unfortunately, many tenants don’t remember to purchase renters insurance because they assume that the landlord’s insurance covers them. The reality is that the landlord’s insurance covers their building but not your assets. That said, you need to purchase renters insurance from Insurance Over Texas to protect what you value. 

Does Texas require renters insurance?

Although no Texas law requires tenants to buy renters insurance, your landlord may require you to have one before renting their property. Why? Negligence by a tenant can be costly, and worse enough, it affects other people living in the neighborhood. But whether renters insurance is required or not, it’s a worthwhile investment to consider.

What does renters insurance cover?

Standard renters insurance provides the below coverages:

  • Personal property coverage: The landlord’s policy covers damages to the building, including perils like water and fire damage. However, the occupants’ belongings aren’t covered when damaged. Fortunately, when you have renters insurance, you can file a claim if your electronics, furniture, and other assets are damaged or lost through fire, theft, vandalism, and so forth. Renters insurance also covers your property when you travel! However, you may need to purchase endorsements to cover your high-value items like cash and jewelry.
  • Liability coverage: Whether accidental or not, renters insurance covers tenants for property damage and injuries they cause to other people. Besides, renters insurance covers personal liability for legal claims you might face. 
  • Loss of use coverage: This coverage pays for additional living expenses (like hotel food and accommodation) when your condo or apartment becomes unlivable due to a covered peril.

Now that you have seen renters insurance is a wise investment, it’s time to purchase one from Insurance Over Texas. Please contact us today or visit our Houston, TX, to chat with our agents. 

Is Flood Insurance Necessary in Non-Flood Zones?

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At Insurance Over Texas, we know many of our clients don’t get flood insurance because they do not live in a flood zone. Unfortunately, Houston, TX, has many areas that may suffer from floods without expectation, even outside of a flood zone. You need to fully understand this problem to protect yourself against any problematic issues you may end up experiencing.

Flood Zones are Not Always a Great Show of Flood Risk

Flood zones are a good way of gauging your risk of this natural disaster but should not be considered a complete guide for your danger. For instance, there are many places where floods may happen outside of these areas, including:

  • Near a River – You may not technically be in a flood zone, but you may be downriver in a way that a problematic flood could end up rising and coming to impact you.
  • Close to a Dam – If you live downriver of a dam, you are not technically in a flood zone but are still at the risk of a flood if the dam ever ends up breaking in any way.
  • By Artificial Lakes – Those people who live near any Houston lakes – particularly artificial ones – may not be in a flood zone but may still want to get insurance for this natural disaster anyway.

So if you are worried about flood insurance in Houston, TX, despite not living in a flood zone, it is a good idea to reach out to us at Insurance Over Texas. Our professionals will take the time to understand your needs better and create a policy that works for you. Don’t hesitate to contact us as soon as possible if you aren’t sure whether or not a flood policy is suitable for your needs.

What Houston TX residents Need to know about Condo insurance

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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.

Health insurance terms you need to understand

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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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