Category: Insurance

Custom motorcycles in and around the Cypress, TX area reflect individuality and personal style, often crafted with precision and care. Owners of these unique machines invest time and resources into creating a ride that stands apart. Custom motorcycle insurance becomes crucial, offering coverage tailored to the specific needs and risks associated with these distinctive rides to protect these unique bikes.

Understanding the Unique Risks of Custom Motorcycles

Custom motorcycles come with their risks and considerations that differ from standard bikes. Anything that could cause damage to the bike would call for upfront payments or reimbursements in claims. Insurance coverage must account for:

• Increased Value: Customizations often elevate the motorcycle’s value, requiring coverage that reflects the true worth of the bike.
• Specialized Parts and Accessories: Custom bikes feature unique components that may not be covered adequately by standard motorcycle insurance.
• Custom Paint and Finishes: Protecting custom paint jobs and finishes is a priority, as repairing or replicating these can be costly.

Coverage for Increased Bike Value

Custom motorcycle insurance addresses the enhanced value of these bikes by providing the following:

• Agreed Value Coverage: Sets a predetermined value for the motorcycle, ensuring owners receive the agreed-upon amount in case of a covered loss.
• Custom Parts and Equipment Coverage: Extends coverage to specialized components and accessories that a standard policy may not cover.

Protection for Custom Paint and Finishes

Preserving the aesthetics of custom motorcycles is crucial, and insurance coverage includes:

• Coverage for Cosmetic Damage: Protects against damage to custom paint, chrome, or other finishes caused by covered events.
• Repair or Replacement Coverage: Addresses the cost of repairing or replicating custom elements damaged in covered incidents.

InsureUS Can Help You

At InsureUS, we can help answer questions concerning motorcycle insurance. We serve the Cypress, TX area. Contact us today. 

Few of us ever plan on dealing with a flooded home, but many homeowners do prepare for such unexpected and unwanted events. That is also where InsureUS can help. If you live in or around Cypress, TX, and are looking for flood insurance for your home or property, look no further than InsureUS.

According to recent reports, recovering from the damages of a Class 4 flood can cost as much as $100,000. The good news is that with a safety net like flood insurance, homeowners can avoid the exorbitant cost of flood restoration. 

Help Before, During, and After the Flood

Homeowners who work with experienced and professional insurance agencies get the benefit of knowing they are covered in the event of a flood. Flood insurance can also help with many expenses related to flood damage during and after the flood.

To provide the protection you, your family, and your home deserve before, during, and after the flood, working with an agent you can depend on is essential. That is also why so many people and homeowners across the Cypress, TX, area turn to insurance providers like InsureUS.

Are you prepared for the unforeseen and costly disaster of flooding? Does your current flood insurance policy offer the coverage and protection your family needs for the worst-case scenario? At InsureUS, we can help homeowners with the insurance plans and policies they need for peace of mind and protection before, during, and after the food.

For All Your Flood Insurance Needs

Thank you for being so interested in InsureUS, where we provide flood insurance services for homes across the Cypress, TX region. Contact us to learn more and to protect your home with flood insurance you can count on today.

Texas is a superb state for RV traveling, and many residents consider their recreational vehicle to be a permanent residence. However, when on the road or parked in an RV spot, there can be complications due to storms or traffic-related incidents. With that in mind, our InsureUS agents talk about the coverage you’ll want to have in place, whether you’re parked in Cypress, TX, or heading out for an adventure.

RV Insurance Requirements in Texas

If your RV can be driven via a motor, you must have at least liability coverage, just like automobiles in the state must have. This helps pay for property damage and any injuries that may result should you be at fault for an accident when operating your RV.

Basic Texas RV Requirements

In Texas, recreational vehicles with motors have the same coverage requirements as traditional vehicles. So, your Texas RV insurance policy must meet or exceed specific minimum coverage amounts.

• Bodily injury Liability per person
• Bodily Injury Liability per incident
• Property Damage Liability per incident

Because RVs are heavier and larger than most motor vehicles, they pose a greater risk of being involved in accidents and causing excessive damages and injuries. For this reason, many Texas RV owners opt to enroll for coverage higher than the state minimums.

Customized Insurance For RVs In Texas

We can create a policy that meets the minimum requirements and much more here at InsureUS in Cypress, TX. We can design a policy customized to your RV type and how you use it. Some additional coverage options include:

• Uninsured Motorist Insurance
• Personal Injury Protection
• Personal Liability Coverage
• Contents Coverage
• Vacation Liability Insurance
• Towing and Roadside Assistance

Get RV Insurance You Can Count On

Here at InsureUS, we want every Cypress, TX area client to have the coverage they need. Contact us today to get a consultation.

If you own a boat, you can face many risks both on and off the water. It would be best to have boat insurance to help protect yourself against those risks. It isn’t required in Texas to have boat insurance, but some bodies of water require it. It’s also the smart choice when you want to protect yourself financially. If you own a boat and need a boat policy, call us at InsureUS in Cypress, TX to get started. 

Liability Coverage for Boats

When you’re out on the water, accidents can happen. Many people don’t think much about boating accidents. However, they can be costly. If you’re at fault for a boating accident, you would be responsible for all the resulting bills from the other party. This can include property damage as well as medical bills. These can be extremely expensive. Without insurance, you could be out thousands of dollars in medical and repair bills or even more. It’s essential to have at least liability coverage for your boat for as long as you own it. 

Other Boat Coverage

When you own a boat, you may want to get other types of coverage for even better protection. You can get collision and comprehensive coverage Along with your liability coverage. Collision coverage is protection for the damage that happens to your property in an accident. Many people get personal property coverage if they have the equipment and many personal items on the boat. Comprehensive coverage protects the boat against damage and other problems when it isn’t out on the water. 

Get Your Boat Insurance

If you don’t have boat insurance, now is the time to get it. Give us a call today at InsureUS in Cypress, TX. 

Like car insurance, motorcycle insurance can create peace of mind for motorcycle owners. It’s required in every state except Florida, meaning riders must carry it to drive in most states legally. However, like car insurance, riders are only required to carry liability coverage to drive their motorcycles legally. Our Cypress, TX team at InsureUS is committed to helping motorcycle owners get the coverage they need.

What kind of insurance is legally required to drive a motorcycle in Texas?

It would be best if you carried liability insurance to drive your motorcycle in Texas. However, liability insurance will only cover damage or injury to others, their property, or their cars or motorcycles if you’re found at fault for an accident. Plus, although the state may not require you to carry full coverage motorcycle insurance, your lender will if you are leasing or financing your motorcycle. 

Will motorcycle insurance pay for the repair of my bike if it’s damaged in an accident?

Maybe. Motorcycle insurance will only pay for the repair of your bike if you have collision coverage. Suppose you only have the state’s required liability coverage. In that case, you only have coverage for the repair of another person’s bike, car, or property or to cover medical injuries if you’re found at fault for an accident. However, collision coverage will pay for or cover the repair of your bike if it’s damaged in an accident. Other non-accident situations that damage your bike will be covered by comprehensive coverage, not collision coverage. Comprehensive coverage will pay for damage caused by floods, theft, and vandalism. If you have questions regarding different types of motorcycle insurance coverage, call us. We’d be happy to help you explore your options. 

 

Purchasing flood insurance is a smart move if you live in an area prone to flooding. But how much flood insurance do you need? This is a critical question for families and businesses in the Cypress, TX area to ask themselves. We at the InsureUS agency are always glad to help answer any questions.

The answer depends on the value of your home and its contents. If you own a home worth $200,000 and its contents are valued at $50,000, you need around $250,000 in flood insurance coverage. This amount would cover the cost of repairing or rebuilding your home and replacing any damaged property inside it.

It’s important to understand that flood insurance doesn’t cover landscaping damage or mold removal. So while $250,000 may seem like a lot of coverage, it may not be enough if there’s extensive damage due to flooding.

When buying flood insurance, ensure enough coverage for your home and its contents so that everything is adequately protected in the event of a flood. Additionally, consider getting additional coverage for expensive items such as jewelry or artwork with high replacement costs that can easily be damaged by flooding. It is important to remember that most homeowners’ policies do not cover floods. If you do not have flood insurance, and a flood hits your home, you may not be covered.

If you have any additional questions about flood insurance, your homeowner’s insurance policy, or any other type of insurance product, give us at InsureUS a call today. We are proud to serve the Cypress, TX area.

If you are storing your RV for the winter, there are a few steps you should take to ensure that the RV does not withstand damage due to freezing temps. At InsureUS, we aim to help clients protect their vehicles and other assets in Cypress, TX, and the surrounding areas. Keep reading to learn more about winterizing your RV. 

Why Winterize

To avoid freezing and busting pipes, you should winterize your RV for winter storage. Winterization should be done when temperatures drop into the 40s and 30s. January and February are typically the coldest months.

Drain Your Tanks and Plumbing

The first step to winterizing your RV will be to drain your tanks and plumbing thoroughly. Be sure to empty black and gray tanks at the appropriate dumping stations. When draining the hot water heater, be sure to turn the heater off and allow the water to cool to avoid injuries. 

Run Antifreeze

Once drained, you will want to pump antifreeze through the system. You can bypass the hot water heater on this step. Be sure to consult your RV owner’s manual on the proper steps to take to pump antifreeze through the system. 

You will know the system is fully pumped when antifreeze comes through the faucets and the toilets as well. 

Other Steps

Although winterizing the plumbing is probably the most crucial step, there are also other things you should consider. 

Give your RV a good cleaning before it goes into storage. There’s nothing worse than opening up the RV in the spring to discover something gross that was left behind. 

Remove all personal belongings as well to safeguard them from theft. Keeping your belongings out of view from windows can also deter possible thieves.

If you want to learn about RV insurance, please contact us at InsureUS, serving Cypress, TX, and the surrounding areas.

Homeowners in Cypress, TX are not legally required to carry flood insurance. However, this is usually required by your mortgage provider when your property is located in an area termed high-risk and especially if the lender is government-backed. Flood insurance is a separate type of coverage from your standard homeowner’s policy. Your InsureUs representative will be more than happy to explain all the differences and your options. 

Even if you do not own your own home, you may need flood insurance, as damages incurred to your property by flooding will not be taken care of if you only have renters’ insurance. Your hazard level is determined by your building’s location on the flood maps created by FEMA and updated every five years. 

Typically, your risk is considered elevated if you are in a zone that has a 1% chance or higher of flooding. Because of the extensive property loss associated with flooding, the related expenses of repairing your home can be severe, in addition to any costs associated with temporary relocation. 

It’s important to note that some low-lying areas may be subject to the sudden appearance of wet water streams during torrential downpours that feature rapidly moving water. Smaller creeks, gullies, and even roadside ditches can all become pathways for rising floods, and it’s essential to be aware of areas prone to 100-year floods. These are regions where rare flooding has been documented, and these events are usually of considerable magnitude. 

InsureUs is pleased to offer various indemnification options for residents of Cypress, TX, and we welcome any questions you may have. Please get in touch with us for further details; we look forward to working with you. 

Are you a tenant in Cypress, TX? Do you have renters insurance? You may not own any property, but you need renters insurance to cover your assets and protect yourself when liability claims come calling. Now that you know that renters’ insurance is excellent, how much do you need? The answer isn’t a straightforward one, but InsureUS will guide you through establishing the amount of renters’ insurance you need.

How much personal belongings coverage do I need?

We usually advise our clients to consider renters insurance adequate to replace all their belongings when the worst happens. It would be best to consider the “replacement cost value” when insuring your assets.

However, since most renters don’t have a clue about the assets they own, we recommend you conduct a home inventory to ensure all items in your possession are insured. Once you establish everything you own, you can now talk to your insurer to use the "replacement cost value" for your belongings.

How much liability coverage do I need?

Determining the amount of liability coverage you need can be tricky because you never know the frequency and magnitude of the liability claims. However, you should prepare yourself for the worst. It is better to have sufficient coverage and not use it rather than have insufficient coverage that falls short when you need it most.

We usually advise renters to consider liability coverage of at least $300,000. However, if you have a dangerous pet, are at risk of being sued, or are a high-net-worth individual, we recommend increasing liability coverage by considering umbrella insurance or excess liability coverage.

Learn more about renters’ insurance

The above is just a guide to the amount of renters’ insurance you need. If you need tailor-made advice in Cypress, TX, please contact InsureUS.

Motorcycle insurance protects you and your assets. But it can’t prevent accidents.

Riding a motorcycle brings unique risks. Often, remaining aware and diligent on the roadways can help you avoid dangerous situations. That’s why it’s important to identify the primary cause of motorcycle accidents. This minimizes the threat altogether.

With this in mind, InsureUs wants to keep you safe. Located in Cypress, TX, the agency lists five common motorcycle insurance claims and ways to prevent them.

High speeds

Motorcycles can hit top speeds quickly. Yet reckless driving, caused by excessive speeds, results in most motorcycle-related fatalities. Follow all posted speed limit signs. But, even more importantly, wear proper safety gear, like helmets and reflective clothing.

Obstacles on roadway

Speeding makes seeing and avoiding debris difficult. Unexpected objects on the roads, like garbage or rocks, can deal serious damage if left unnoticed. In addition to slowing speeds, remain alert and ready to react at all times.

Distracted Driving

Nothing beats awareness. That’s why distractions, like cell phones and other electronics, make riding even more dangerous. However, this doesn’t just apply to motorcycle riders. All motorists need to eliminate distractions while driving.

Poor Weather Conditions

Being prepared can’t stop bad weather. High winds, heavy rain, and fog can pop up and reduce visibility. Even the smallest distraction or mistake can be critical during inclement weather.

Improper Lane Switching 

Improper left turns are the leading culprit for most motorcycle insurance claims. Lane splitting can be equally problematic. This occurs when a motorcycle rider tries to maneuver through traffic by driving between two lanes.

InsureUS can help

Any accident can be fatal, but motorcycle incidents are especially scary. Although awareness goes a long way, having motorcycle insurance is imperative. Serving Cypress, TX, InsureUS can find the right policy for you. Schedule an appointment immediately.