What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
950 Threadneedle St Ste 290Houston, TX 77079
From Business: We've been serving the Houston area since 1983. We welcome your call and want to offer the value and personalized service that you expect from an insurance agency.
2500 S Loop W Ste 210Houston, TX 77054
From Business: Texas General Insurance Agency offers a full line of personal and commercial insurance including home, auto, health, life and long term care to individuals and businesses throughout the Great State of Texas. As your independent insurance agency, our agents will compare coverage, carriers, and prices to find the best value …
12222 Bissonnet StHouston, TX 77099
From Business: Accidents happen, but with auto insurance, you can rest assured knowing that expensive damage and repairs are covered. At Agie's Insurance, we offer insurance for all vehicle types, from family cars to work trucks, to motorcycles and commercial vehicles. Contact our insurance representatives today for an auto insurance quo…
3700 Milam StHouston, TX 77002
From Business: Texas All Insurance Agency provides personal and commercial insurance as well as southern sweet customer service. The company's resources has allowed many of our customers to save up to 50% on their premiums. Call for a fast and easy quote! Or go to www.texasallinsurance.com
211 North LoopHouston, TX 77018
From Business: We specialize in Auto, Commercial (General Liability), Home and Life Insurance. Services we off include but are not limited to: SR-22 filing, Non-Owners Policies, Insurance for people without a drivers lisence, Auto Insurance for commercial vehicles, General Liability for Businesses, Homeowners Insurance, Flood Insurance a…
1415 West Loop N Ste 105Houston, TX 77055
From Business: Welcome to Joe Covers Texas, a christian based insurance agency specializing in products like: Commercial Auto, Artisan Contractors, General Liability, Business Property, Professional Liability, E&O coverage and Workers Compensation. We offer solutions to for-hire commercial trucking agencies, transportation and logistics …
6969 Gulf Fwy Ste 200AHouston, TX 77087
From Business: At Nationwide in Houston, TX, we work hard to safeguard your investments and help you plan for the future - protecting what matters most to you and your family.We provide a full range of personalized insurance services, including auto, motorcycle, boat, homeowners, life, farm, and commercial insurance. Our reputation has b…
2500 S Loop W Suite 155Houston, TX 77054
From Business: Policy Service Texas General Insurance Agency offers a full line of personal and commercial insurance including home, auto, health, life and long term care to individuals and businesses throughout the Great State of Texas. As your independent insurance agency, our agents will compare coverage, carriers, and prices to find …
5900 Chimney Rock Rd, Suite QHouston, TX 77081
From Business: This site is intended for people searching for auto insurance houston, home insurance houston, commercial insurance houston, liability insurance houston, full coverage insurance houston, insurance texas, low auto insurance, discount auto insurance, cheap auto insurance, safeco insurance agent, infinity insurance agent, and…
363 N Sam Houston Pkwy E Ste 1000Houston, TX 77060
From Business: South Texas General Insurance Agency is one of the leading insurance agencies in the state of Texas and offers a range of products and services to clients. The agency provides personal insurance for scheduled properties, mobile homes, recreational vehicles and boats. South Texas General Insurance Agency also provides comme…
1035 Dairy Ashford Rd Ste 152Houston, TX 77079
From Business: State Farm products include auto insurance, home owner insurance, commercial insurance, small business insurance, life insurance, health insurance, long-term care, annuities, recreational vehicle insurance, trailers, farm & ranch insurance, mutual funds and college savings plans.
11905 Bissonnet St Ste 150Houston, TX 77099
From Business: Welcome to Texas Insurance Agency—We gotcha covered! Texas Insurance Agency has been serving families in Pasadena, Beaumont, The Woodlands, Houston and throughout Texas since 1999. Our goal is to provide clients with extraordinary service and the most affordable rates without ever compromising on the requested coverage. Ou…
3900 Essex LnHouston, TX 77027
Sarah at Southern Agency helped us place our errors and omissions policy. She was helpful, provided more resources than several competing companies and helped us get coverage which included choice of defense which was very important to us. I'd rate them A-1
11200 Westheimer Rd Ste 850Houston, TX 77042
My co-worker recommended her when I was upset with my auto claim with Stateauto. I was surprised as to how informational she was! She even guided me though my claim with my current company! Her quote was $6 a month more but I changed in a heartbeat. I now have a wonderfull agent and company…
1020 Bay Area BlvdHouston, TX 77058
If my agent Bill Taylor (who has been wonderful by the way) is not available, the rest of the staff jumps in to respond and help me out. If you want an agency who is professional, gets stuff done and will go out of their way to help you out and responds quickly, I highly recommend this agency…
815 Walker St Ste 150Houston, TX 77002
From Business: As an Allstate Agency in Houston, our knowledge and understanding of the people in this community help us provide customers with an outstanding level of service. We look forward to helping families like yours protect the things that are important – your family, your home, your car, and more.You can depend on us to help you…
2991 Bingle Rd Ste BHouston, TX 77055
From Business: I've gotten to know many local families as an Allstate agent in Houston. I enjoy being a part of the community, and building local relationships is one of the best parts of my job. I look forward to getting to know you and helping you to find the solutions that meet your needs. I'm committed to helping Houston residents as…
13201 Northwest Fwy Ste 700Houston, TX 77040
From Business: Being an Allstate agent allows me to help customers protect what's most important to them and their families. I love having the opportunity to take care of customers when the unexpected happens. My agency here in Houston is built on honesty, integrity, and excellent service. We are a team of highly professional and caring …
13030 Woodforest Blvd Ste BHouston, TX 77015
From Business: As an Allstate Agent in Houston, I know many local families. My knowledge and understanding of the people in this community help me provide customers with an outstanding level of service. I look forward to helping families like yours protect the things that are important - your family, home, car, boat, and more.
In the event of a disaster that affects your home and property, what are your options?
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
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Great service, great rates, and getting a hold of the agent is easy if you have a more complex question. This agency is so much better then my past experiences!
Today was a great day saving me money on my Home and Auto Insurance. I got connected with a nice helpful young lady that gave me the best Quotes. Happy I change to State Farm Insurance. Katharine my agent explain to me my advange from other Quotes and this was best for me. She did the changes from old Insurance to State Farm Insurance. I left was happy Katharine was my agent and someone that can help me now and in future. From Richard Luna👍👍👍👍👍
Lucrecia rocks! Professional and so beautiful. She is the best! Working with Lucrecia is always amazing.David408.650.4220
This company will leave you homeless while trying to decide if their client is at fault for something that clearly was their fault. My advice, hire a lawyer up front if you have to deal with them. Hate to see insurance companies taking advantage of people.
I have been with them for 5 yrs. the staff are unprofessional and dishonest. I will never come back!
HUGE SCAM STAY AWAY!Three months ago I contacted this place to get a quote on my company's insurance, the price was good so I went ahead and purchased the insurance, got the policy number and all verifications needed. A month later my brother asked me if I knew any insurance companies, as he was also looking for insurance for his company. I pointed him in this direction thinking I had a good deal and that he could get one two. Once speaking with a representative, I was informed by him that State Farm had denied my insurance, after being told that I was insured, so I called them and asked them A. Why no one called to at least tell me? B. If I wasn't insured why have they collected the payment?Either way the representative told me she would refund the money and I should see it in my account.. it's already been three months with no sign of a refund. Every time I call they have a different excuse as to why my money hasn't been refunded.Total scam and don't recommend!
With the help of Clearbright Insurance, I was able to insure my home. They explained to me all the needed information I need to know about all the insurance policy. They insured my home and my car at a very affordable price when compared to other insurance company. The significant discount by combining my home and auto policies probably saved me 500 dollars. So I do recommend them
Finally my car has been insured, all thanks to Clearbright Insurance. Now I worry less about financial loss or any accident, they did a great job by providing me this great deal. It's a nice insurance plan for me, I'm satisfied with their service as well.
Great experience!!! I love the way they handled everything, the best place to get insurance from. They are friendly, attentive and very helping. They guided me through the whole process. They found me a great deal and I'm so satisfied with their service. I highly recommend Clearbright Insurance if you need a better insurance plan.
Thank you Clearbright Insurance for a wonderful service and for giving me a suitable insurance plan. They are very friendly, reserved and they answered all my questions. Excellent customer service, well organized, they are so professional. They really helped me with the whole process, explained everything to me. I felt relaxed, I'm glad I found this Insurance company.
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.