Category: Insurance

When you are searching for homeowner’s insurance, there are so many different plans, it can be quite confusing. Then, you might be unsure about whether or not you need flood insurance. 

Here are some reasons why you should get flood insurance. 

You may be required to have flood insurance. If you live in a flood zone, you may be required, by your mortgage lender, to have flood insurance. 

Even if you aren’t required, you may want the extra protection. Even if there isn’t a Presidential Disaster Declaration, your flood insurance will cover the damage that occurs due to flooding. 

Most standard policies don’t cover flooding at all. For this reason, you may want extra protection from flooding. This can cause a lot of damage, which could cost you a lot of money out of your pocket if you don’t have flood insurance. 

Even if you are able to get financial help with a flood, it won’t be enough. Any loans or grants that you may get for living in a disaster zone may only be a few thousand dollars, while you may be looking at tens of thousands of dollars to completely fix your home. 

You may not have a choice when it comes to buying flood insurance. If you live in a flood zone, you may have to have it. However, even if you don’t, you may want to consider it, unless you have tens of thousands of dollars to fix your home in the event of a flood. 

If you have any questions about flood insurance, don’t hesitate to contact us today at InsureUS in Cypress, TX. We will help you find the right insurance for your home. 

After you spend all summer coasting around in your RV, it is time to put it up for the winter. As an RV owner in Cypress, TX, you may be curious as to whether it is possible to reduce or eliminate your RV insurance for the off-season. InsureUS wants to share a few things with you about off-season RV insurance.

Keep Full Coverage If Your RV Is Financed

If you are currently paying a loan for your RV, it is highly recommended to maintain full coverage. Further, most financial institutions will require this in the event of a loss. Make sure to purchase full coverage RV insurance when you are financing your recreational vehicle or you may wind up paying more as a result of your lender purchasing insurance for you.

Increase the Deductible Until Warmer Weather

Since your RV will be in storage, you could potentially consider increasing your deductible instead of dropping coverage completely. Of course, it is important to keep in mind that if something does occur to your RV while in storage, you will be responsible for higher out-of-pocket expenses in order to repair it. So, if you decide to increase your deductible, it is imperative that you ensure your budget will allow you to cover any expenses that may arise from a winter emergency.

Cancel Add-on/Optional Coverage Temporarily

If you initially invested in extra optimal coverage, like safety glass replacement or towing and labor, you may want to consider dropping them for the time being. These expenses aren’t high priorities when your recreational vehicle is being stored during the off-season. Just make sure to add these coverages back before you take your RV on the road.  

You have options when it comes to managing your RV insurance during the off-season. If you have any questions, contact InsureUS, serving Cypress, TX, and our insurance experts will be happy to assist you. 

Everything is bigger in Texas, even, it seems, the storms. It’s worth asking what kind of coverage your renter’s insurance extends to you before winter storms hit to ensure you have the protection you need. 

Does Texas Require Renter’s Insurance?

While the state does not require you to carry renter’s insurance, some landlords will require you to obtain liability coverage.

What Does Renter’s Insurance Cover? 

There are three usual types of renters insurance coverage in Texas, including: 

• Personal property: Coverage for your things. Not just in your home, this also protects your items against theft while you travel or from your vehicle. 
• Loss of use: Should a covered loss occur, like a fire, this coverage will cover living expenses for a short period while your rented home is inaccessible during repairs. 
• Personal liability: Should someone be injured in your rented home, this coverage can pay legal fees if you are deemed liable and brought to court. 

What Types of Damage is Covered by Renter’s Insurance?

Usually, you can expect renter’s insurance to cover the following:

• Smoke
• Fire
• Theft
• Vandalism
• Water damage, with limits. 

Renter’s insurance typically will not cover flooding damage. 

Important Tips for Renters

• Create a home inventory to ensure your limits are sufficient.
• Consider extra coverage for any collectibles or expensive items.
• Get flood insurance. Flooding is a large and ever-growing threat, and renters can access affordable flood insurance. 
• If you want the replacement value on lost or damaged items, you’ll want to get a ‘replacement cost’ policy; otherwise, you’ll be getting less than what you paid for some things. 

Ready to make the most of affordable rental coverage in Cypress, TX? Call or stop by InsureUS today. Let us help you find peace of mind. 

You live for the moments you can spend with your knees in the breeze as you travel down the road on your motorcycle and because you love your bike, you will want to ensure it is protected properly. One of the ways you can do that very effectively is to have the proper motorcycle insurance in place to protect the investment you have made in your motorcycle. In Cypress, TX, the staff at InsureUS knows all of the requirements and options that are available for you when it comes to motorcycle insurance.

Motorcycle Insurance Requirements in Texas

Because it is a law in Texas that all drivers of any type of motor vehicle on the roadways must have at least a liability insurance policy, motorcyclists must have this minimum insurance in place before heading out on the highway. This type of policy will cover any property damage are injuries that are caused if an accident occurs and you are the one that is at fault.

Underinsured or Uninsured Coverage

Although it’s not required in Texas, it is a good idea to have uninsured or underinsured coverage on your motorcycle to help pay for any damages that are caused by an accident you may become involved in with a driver who has no insurance at all or not enough insurance coverage to cover all of the damages in medical bills incurred.

Comprehensive Motorcycle Insurance

If you took out a loan to purchase your beloved motorcycle, you will be required to have a comprehensive motorcycle insurance policy in place to protect the investment that your lender has made in your bike. Even if you paid cash for your bike, this is a great policy to have because it will help to repair or replace your bike if it is damaged in a fire, a tornado or some other natural disaster, or an act of vandalism. This type of coverage will also help replace your bike if it is stolen by someone.

Collision Motorcycle Insurance

Collision insurance coverage we’ll help you pay for any damages that happen to your bike if you collide with another vehicle or even a stationary object of some sort.

Get a Quote Today!

To obtain a quote for motorcycle insurance or two get your policy started, contact the experienced and trusted motorcycle insurance agents at InsureUS in Cypress, TX today!

Anyone that is in the Cypress, TX area will find that owning a home is a good long-term option for housing. As you are looking for your next home, it is important that you also spend time thinking about your insurance. All people should assess whether they should get a flood insurance plan or not. There are a few reasons why you may need to have flood coverage here. 

Protect Your Asset

An important reason to always have a flood insurance plan in this area is to protect your asset. When you want to own your own home, you will be making a major investment, and protecting it will always be beneficial. A proper flood insurance plan will give all the support that you need to protect against the risk of flood damage. Without insurance, you may have limited protection against this risk.

Coverage Can be a Requirement

You should also consider getting this coverage as it can be a requirement for you. A lot of people in Texas choose to take out mortgages when they buy a home. If you want to finance your purchase with a mortgage, you need to comply with all insurance standards. If your home is designated to be in a flood zone, your lender will likely require that you obtain and maintain this insurance. 

When you are in the Cypress, TX area, ensuring that you always have the right coverage for your home is important. As it can be confusing to determine if this should include flood coverage or not, calling InsureUS to discuss your insurance needs can always be helpful. The InsureUs professionals will offer a lot of support that will help you determine if you need flood protection and then help you build your ideal plan. 

Anyone that is in the Cypress, TX area will find that owning a home is a good long-term option for housing. As you are looking for your next home, it is important that you also spend time thinking about your insurance. All people should assess whether they should get a flood insurance plan or not. There are a few reasons why you may need to have flood coverage here. 

Protect Your Asset

An important reason to always have a flood insurance plan in this area is to protect your asset. When you want to own your own home, you will be making a major investment, and protecting it will always be beneficial. A proper flood insurance plan will give all the support that you need to protect against the risk of flood damage. Without insurance, you may have limited protection against this risk.

Coverage Can be a Requirement

You should also consider getting this coverage as it can be a requirement for you. A lot of people in Texas choose to take out mortgages when they buy a home. If you want to finance your purchase with a mortgage, you need to comply with all insurance standards. If your home is designated to be in a flood zone, your lender will likely require that you obtain and maintain this insurance. 

When you are in the Cypress, TX area, ensuring that you always have the right coverage for your home is important. As it can be confusing to determine if this should include flood coverage or not, calling InsureUS to discuss your insurance needs can always be helpful. The InsureUs professionals will offer a lot of support that will help you determine if you need flood protection and then help you build your ideal plan. 

Our neighbors in Cypress, TX love to go RVing all around our great state and beyond. At InsureUS, we want to make sure you’re ready for the road, wherever it may take you. Below are some great RV maintenance tips before your next great adventure.

Maintain Your RV Regularly

Some experts recommend performing a regular inspection every quarter. This inspection should cover general RV care such as engine maintenance and roof protection. Many RV owners may not have the time to perform such tasks often, but it’s especially important before you go on a trip.

Maintaining The Engine

You won’t be going far on a busted engine. Before any big trips, make sure your filters are inspected and changed, as is the oil. Luckily, an RV doesn’t typically need oil changes as often as a daily use vehicle, though it should be needed once a year at least. Also check your battery before each trip and after taking the RV out of storage.

Maintaining The Roof

Since we don’t really see the roof often, it’s easy to forget to check it for damages. Leaks are a major problem that can cause damage long before they become noticeable inside. Air conditioners are a high leakage point, as are vents and seams. Inspect these areas frequently and repair them with an appropriate sealant. Keeping your RV covered when not in use and cleaning the roof regularly can help avoid damage that can lead to leaks.

Make Sure You’re Insured

It may seem obvious coming from us, but RV insurance is one of the best ways to protect yourself against unforeseen damages. Whether it’s the degradation of parts or an accident on the road, RV insurance from InsureUS can get you back on the road fast. If you own an RV in Cypress, TX reach out to us today to discover what we can do!

Looking to buy a boat, or recently purchased a boat in Cypress, TX? Then you’ll want to make sure you get the insurance coverage for it and the team at InsureUS wants to make sure you have all the information you need to make the best choices possible. 

Before you purchase any insurance, you’ll want to know what to expect from the policy and what it covers, so what elements should your boat insurance policy have?

The size, type of boat and where you use your boat have a great deal of bearing on what kind of policy you need.  Some small boats might be covered under your homeowner’s insurance policy, but there are definitely advantages to getting a boat policy instead, since they are much more specialized and cater to the needs of boat owners. There are two main types of boat insurance policies:

Actual Cash Value: These policies pay for the value of the boat minus depreciation at the time of the claim in the event of damage or a total loss.

Agreed Cash Value: These policies pay at a value agreed upon by the owner of the boat and the insurer in the event of damage or a total loss.

Policy additions for the following items can be made to boat insurance policies:

• Physical loss or damage to the boat
• Damage caused to someone else’s property
• Theft of a vessel
• Bodily injury (to people using the boat with owner’s permission)
• Medical expenses of the owner and their family
• Trailers and boat accessories
• Towing of the vessel in the event of an accident
• Loss or theft of belongings that were on the boat

Contact the professionals at InsureUS in Cypress, TX today to learn about all your boat insurance needs!

Any avid biker would tell you that the best way to avoid accidents is by being disciplined and riding defensively. This is particularly true for new motorcyclists who require an extra dose of vigilance and care when heading out on the vast Cypress, TX roads. Safety begins from the initial preparation, such as wearing the right gear, checking your bike for mechanical problems, and simply following traffic rules. Experts at InsureUS recommend these tips for defensive riding in Texas.

Wear the Right Gear

Safety begins from the basics. Your protective gear is an extension of your bike’s safety gear. So always wear your helmet, gloves, boots, and a robust leather jacket and pants.

Stay Alert

Defensive riding is all about being extra keen about every move and maneuver you make. Just 2 secs of distraction are enough to get you into a terrible accident. Don’t ride a bike if you are unwell, intoxicated, tired, or stressed.

Observe Your Surroundings

Observation is what helps you know what is going on around you. The appropriate use of mirrors and being on the right side of the road allows you to see ahead and behind you and act appropriately. Make sure you also know the potential hazards you’re looking for.

Anticipate and Plan Ahead

Never assume that a motorist is seeing you, and never think every driver will do the right thing. Defensive riding means anticipating what might happen and planning accordingly.

Maximize Your Visibility

Bikers are not always easy to spot, which is why many motorcyclists in Cypress, TX are often advised to wear reflector jackets to Improve visibility. You can also go for a brightly colored bike or wear brightly colored clothes to maximize your visibility on the roads.

Don’t forget to buy motorcycle insurance. Our dedicated team of professionals at InsureUS can help you find a policy that matches your needs. Contact us today.

Perhaps, you are done with college, and it’s time to move out from your parents’ house. Renting comes with freedom and the excitement of experiencing various Texas locales without worrying about mortgages. But don’t make a mistake and think that renting doesn’t come with its responsibilities. Obviously, beyond paying rent, there are other financial responsibilities you have to contend with. 

One of those is renters insurance. Many people overlook renters insurance because they hardly understand the risks of renting. Well, if you are one of those, you need to pay attention to InsureUs, Cypress, TX, on why you need renters insurance.

Why Texas renters should get renters insurance

It has probably cost your blood, sweat, and soul to purchase your personal properties like clothing, electronics, and furniture. Imagine waking up and realizing your personal stuff has evaporated through theft or fire? It’s hard to fathom. But did you know you could get renters insurance to protect your belongings against such unfortunate events? 

Renters insurance comes in handy in the following areas.

Personal property coverage

Renters insurance covers your assets in case of damage or theft. However, be sure to understand the maximum coverage to expect from your renter’s insurance. Why? Your insurance may not cover your assets 100 percent. 

Liability coverage

Did someone get injured in your apartment? Did you cause damage to neighbors’ properties? You don’t have to worry because renters insurance covers medical costs and damages where you are accused of negligence.

Additional living expenses

Perhaps, your home is damaged by fire. You need to live in a hotel where you will typically spend more than you would in your home. In such instances, renter’s insurance comes into play to cover additional living expenses like accommodation and meals.

Renters insurance in Cypress, TX

Don’t be left out in the cold when the unthinkable happens to your apartment. Instead, be wise and talk to InsureUS to get renters insurance to protect you and your belongings.