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In the event of a disaster that affects your home and property, what are your options?
10500 Northwest Fwy Ste 100Houston, TX 77092
Ms. Drelay was wonderful until Ike.; Its now exactly 15 days since the claim, and the adjuster called on day 11 to say it would be between 7-10 days more. On which planet is this acceptable? I had to move I am paying mortgage rental, and storage unit.\r I had a meeting a work , and my c…
535 Studewood StHouston, TX 77007
From Business: State Farm products include auto insurance, home owner insurance, commercial insurance, small business insurance, life insurance, health insurance, long-term care, annuities, recreationnal vehicle insurance, trailers, farm & ranch insurance, mutual funds and college savings plans.
2121 Sage Rd Ste 190Houston, TX 77056
From Business: At State Farm in Houston, we live and work in your community. We know how to help you plan for your future and how to protect you and your family from the unexpected. Whether you’re getting married, having children, buying a car or moving, we can guide you through policies for home and property, life, auto, health, disabil…
5353 W Alabama St Ste 218Houston, TX 77056
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.
7910 Westview Dr Ste BHouston, TX 77055
From Business: State Farm offers great rates on home insurance, auto insurance, life insurance and much more! Contact the Manny Martinez Agency today and learn how we can help you save in the Houston, TX . We help you protect what matters most.
22 Waugh Dr Ste 340Houston, TX 77007
This place is horrible!Charles is the most ignorant person I have ever spoken to! He does not have any kind of phone manners and he treats the customers as if he is superior to them. Honestly the worst experience with ANY company!
In the event of a disaster that affects your home and property, what are your options?
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When our previous State Farm agent relocated her office to another part of the city, we decided to look for a new agent located closer to our home. We called Manny’s office and were greeted by a very friendly and professional staff. We met with Manny in his office that same week to discuss transferring our policies, and adjusting our level of homeowners coverage due to a recent major renovation of our home. Manny was very attentive and had several good ideas as to how we could better calibrate our coverages and save some money. Especially helpful was his suggestion to have our remodeling contractor sign a certification statement confirming that our plumbing, electrical and heating & cooling systems had been updated. This suggestion alone resulted in a significant decrease in our annual homeowners premium!Any time we have a question about any of our eight State Farm policies (homeowners, 2-life, umbrella, 2-auto, personal articles, and long term disability), all we have to do is pick up the phone or email Manny…he is very accessible, extremely knowledgeable, and always quick to respond. We highly recommend Manny and his team!
Through acquaintance, we met Manny prior to him becoming an agent. Because of his excellent marketing and networking abilities, came to know of him becoming a State Farm Insurance Agent. Manny Molinar’s State Farm agency in Houston, Texas (we are in Dallas, TX) whether through Manny himself, or one of his staff: (forgive me if I leave anyone out) Alicia, Alejandra, Jennifer, Jorge, or the excellent State Farm after hours support, reassures we can trust Manny and our insurance needs through State Farm. Manny is the consummate professional, and after being with State Farm for years now, I know that he and his team, will take care for our insurance, and financial needs in a timely, professional, and highly admired level of communication or Customer Care. I strongly recommend Manny Molinar, and his State Farm agency, regardless of where you are located in Houston, another city in Texas, or out of state. Consider this as my endorsement for Manny, and his continued success!
I was looking around for my first auto insurance when I was around 19 years old. When I walked into her facility I was greated immediately and respectfully. She sat down with me and I was nervous at the beginning but Renata explained everything beautifully and thoroughly. Made suggestions on what things I should have, what things are included in my coverage, and the different kinds of discounts I can receive from State Farm. There was a team member working for her that denied me a discount because she thought I was giving her a form that was not correct, but then Renata looked over it again and recorrected it. I am impressed as this was my first insurance I applied for and I am utterly impressed. Recommend Renata Pennington
Dear MandM22,Firstly, thank you for your business. We appreciate all of our clients. I am surprised about this bad experience that you had with our agency. Personally, I do not recall any such events taking place. If I made a mistake, please help us to recall what happened so that we can improve our customer services. We would like to document your experience and further evaluate the cause of the problems that lead to your disatisfaction. Please provide me with your policy number, name, and phone number. We will make the problem right. Our email is firstname.lastname@example.org and our phone number is 281-933-8300. Regardless, we regret to hear of your experience.Harry Dao & Dan Luu
Pam Ellis and Dan, are the perfect insurance team!They understood what I needed didn't just sell me a policy they listened to what my needs were; made suggestions made the rest seem easy. If you're looking for an Insurance Agent that will listen who is knowledgeable look no further than Pam & Dan Ellis @ State Farm Insurance. They are an encouraging, dynamite team to have looking out for your best interest. Yes they do!Pam helped with my retirement plans and practices what she teaches.My gratitude for all you've done doesn't seem like enough I suggest if your reading this review don’t have an insurance agent call Pam Ellis @ State Farm Insurance. Your Working Realtor,
Linda, we want to thank you and your agency staff at the Linda DarnellAllstate Insurance Agency, for providing me and my husband such greatservice! We have really enjoyed the service you and your agency staff haveprovided us over the last few years!We appreciate the personalized phone calls by your girls, reviewing ourcoverages and renewals, and helping us find ways to save us some more money,since we are now retired.Last year when we had a small claim with our windshield, your staff helpedtake care of it without charging us anything!We just wanted to personally thank you and look forward to continuing ourwonderful relationship!Sincerely,Mr. and Mrs. Bob P
My experience with the Markus Tolson agency has been more than pleasant. I wish to thank the office manager Danielle for service above and beyond the call of duty. As much as she is very professional, she is also patient and understanding to the individual needs of us old folks who may not be so computer competent. I thought that eliminating PIP and Uninsured/Underinsured protection would save me money. I have since added these elements to my policy, thanks to excellent advise from Danielle. I now enjoy the peace of mind of having full coverage on my property. I recommend this agency to anyone who wants capable professionals handling their business.
This was an excellent experience! Dave is one of the nicest insurance agents I have spoken with. I just bought a new car and got insurance from State Farm, but it was getting expensive. So I was just trying to get some quotes to see if I could find cheaper insurance anywhere. Dave made me feel welcome as soon as I got into his office. He is always smiling and really enjoys what he does. My visit was short and sweet. He knew what I was there for, and that's exactly what he did. He took the time to explain to me exactly how insurance works; I now know exactly what i'm paying for. I would definitely recommend Dave to everyone!
I have been with State Farm and Manny Molinar for almost 10 years. They have the best customer service team! They don't just call me to promote their business, they actually call just to see how I am doing. It's not just the staff, Manny has personally called me several times just to see if I needed anything. Whatever I need, they take care of it immediately..no matter how big or small the problem. There are several agencies that are closer to my home but I really do love the care and attention Manny and his team give so it's worth every mile! #totally satisfied
Our water heaters needed to be replaced as they were very old. His price was fair and competitive and he was able to do the job by Tuesday. He came right on time Tuesday morning and made sure we were happy with the quality of his work. Top notch may I add. My previous plumber did a crappy job replacing the circulation pump and Jessie went the extra mile by returning back to my house to fix some leakage issues with the circulation pump. Jessie is the only plumber we will use now.
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.