FAQs

Texas only requires you to have liability insurance which means you’re required to be able to pay for any damages and injuries from a car accident you caused. If you choose to buy liability insurance to comply with the law, your policy must have the following minimum limits:

• $30,000 for each injured person
• $60,000 for injuries per incident
• $25,000 for property damage

Yes. The market value of your car and the history of other drivers with the same make and model play a factor in your auto insurance rates. Certain safety features may not automatically qualify you for cheaper car insurance, but they can prevent you from getting into accidents, saving you money indirectly.

Most insurance companies will not issue or maintain insurance for someone who has a suspended (or revoked) driver’s license. If your license is suspended but you still need to get to work, you still have options.

1) You can work with a local Texas DMV office to get a hardship license

-or-

2) You can file an SR 22 form through your insurance agent who can file that with the DMV. If you are allowed behind the wheel due to a hardship license and/or an SR 22 form (which guarantees insurance coverage for a period of time), then you should be able to get auto insurance.

An insurance deductible is the amount of money you pay after an accident before your insurance company pays for the remaining amount.

This depends entirely on the insurance coverage you have. Comprehensive coverage will protect you in this type of event.

This depends entirely on your situation as well as what type of coverage you are looking for. We have a team of experts ready to help you though! For a quote, click here.

Your car insurance is typically determined using several rating factors that include the following:

• Your driving record and the driving records of each additional driver you wish to add to the policy.
• Insurance claims history
• Credit history
• Your car’s year, make, and model
• Primary parking location of the car
• Average miles driven per day
• Your age and gender
• Your marital status

TA home can require a tremendous investment of money, time and energy. Homeowners insurance is designed to protect that investment by insuring the actual structure or structures and the personal possessions in and around them, as well as providing liability protection for the residents. Through homeowner’s insurance, you can protect yourself and your family form enormous loss in the event of damage or destruction to your home and property. Most likely, if you have mortgage on your home, you are required to carry homeowner’s insurance.

Most basic policies protect against damage from: Fire and lighting, Windstorm and hail, Explosion, Riot and civil commotion, Aircraft Vehicles, Smoke, Vandalism and malicious mischief, Theft, Damage by glass or glazing material that is part of a building Volcanic eruption.

You can also step up coverage to include: Three kinds of water-related damage from home utilities or appliances Weight of ice, snow, and sleet Electrical surge damage Falling objects Protection is subject to policy limits and deductibles can vary.

• Trimmed trees and shrubs. Not only do trimmed trees increase visibility and make it more difficult for would-be burglars to break into your home but trimmed trees tend to do less damage during storms.
• Remove trash, clutter or disabled vehicles on the property. Many types of debris can increase fire risk or inadvertent injury.
• Make sure swing sets, hot tubs, trampolines and other potentially attractive hazards are cleared away or fenced if in use. These items are often magnets for children. Their natural curiosity and tendency to play can inadvertently increase the risk of injuries or accidents on your property.
• Keep driveways, stepping stones and walkways well-maintained and free of obstacles. Don’t risk an injury or accident due to stairs in need of repairs, cracked driveways or split walkways … take care of the problem and make it easy for family and friends to navigate anywhere on your property.

Home Features and Characteristics — Your home’s age, structure, wiring, type of roof, garage, etc., can affect your homeowners insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.

Location — Where your home is located can change your homeowners insurance premium. For instance, your home insurance rate can be affected if your home is in close proximity to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.
Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your homeowners insurance premium.
Personal Factors — What you do can affect your homeowners insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.

Claims History — If you have a history of claims on a homeowners insurance policy, you may pay a higher premium.