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13026 Cypress N Houston Rd Suite 101
Cypress, TX 77429

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Who should get motorcycle insurance if they live in Texas?

If you are in the Cypress, TX area, you will want to guarantee that you have a way to get around your community. Due to the nice weather that exists for most of the year, a motorcycle can be an efficient and practical transportation option. Along with your bike, you also need to have insurance for it. A motorcycle insurance plan will be needed in Texas for various reasons. 

Those Wanting to Protect Asset

One situation when someone wants a motorcycle insurance plan is when they are looking to protect their asset. If you are going to purchase a motorcycle, you will want to know if it is covered if you incur a loss due to theft or damage. When you have a full motorcycle insurance policy, it will provide coverage for many situations that could result in a loss.

Those Looking to Comply with Requirements

An appropriate motorcycle insurance plan will also ensure you are able to comply with your various insurance requirements. If you are going to purchase a motorcycle, you may take out a loan, which will require that you carry a full insurance plan with comprehensive coverage. Further, to operate it in Texas, you need to have liability insurance to meet requirements set by the state. You will comply with these and other requirements if you maintain motorcycle insurance.

A motorcycle owner in Cypress, TX must always carry motorcycle insurance. Once you are ready to start looking for insurance, calling InsureUs is a good idea. The professionals with InsureUs understand the value of this coverage and will offer any support necessary to build your next plan. This will help give comfort that you are in compliance with any requirements and that your motorcycle is covered. 

How Do I Know if I Need Flood Insurance?

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. 

What Does RV Insurance Cover in Cypress, TX?

For residents of Cypress, TX, recreational vehicle (RV) insurance covers property damage to an RV. In addition, it provides payments for bodily injuries to the driver and passengers. 

What’s Considered an RV in Texas?

According to the InsureUS team, an RV is a motorhome. In other words, it’s a vehicle instead of a trailer hitched to an automobile or truck. 

What are the Minimum Coverage Amounts?

Liability insurance minimums for an RV are similar to those of personal automobiles in Cypress, TX.

  • $25,000 in property damage for each accident
  • $30,000 in injury coverage per person
  • $60,000 in personal injury coverage per accident

Coverage must meet or exceed these guidelines for your RV to be insured.

Additional Coverage

In addition to the minimum amounts, Texas insurance firms allow you to purchase additional coverage for your RV. For instance, comprehensive coverage handles costs to repair or replace the RV when damage occurs through vandalism, weather, fire, or collision with wild animals. Collision coverage shields the RV from accidents with other vehicles, property, or single rollover incidents.

Is There a Difference Between Full-Time and Part-Time RV Insurance?

Standard RV insurance policies cover part-time use. If you live in and drive your RV full-time, a different policy is required. In that instance, you need coverage for items like medical issues and loss payments.

Is Insurance Needed on a Towed RV?

RV insurance isn’t typically required for a towed (fifth-wheel) trailer. However, the vehicle doing the towing must be insured. For example, a pickup truck or SUV with the capacity to tow a several-ton trailer. 

Do you have questions related to RV insurance? If so, contact representatives at InsureUS to get the answers you need.

Boat insurance: InsureUS floats out five safety tips

Boat insurance is about preparing for the worst. But nothing replaces prevention. InsureUS is just as passionate about safety as they are about finding you a policy. Located in Cypress, TX, the agency lists five boat safety tips that everyone should follow while on the waterways.

Wear life jackets and appropriate clothes

Planning a perfect boat outfit starts with a life jacket. Wear only approved vests that fit correctly. This applies to everyone on board, even children. But personal safety extends head to toe too. Wear slip-proof shoes to prevent injury. And don’t forget sunglasses, UV clothing, and sunscreen.

Check equipment

But having the right gear is so much more than what you wear. In addition to having enough life jackets, check that your emergency supplies are stocked. This includes flares, flashlights, fire extinguishers, and first-aid kits. 

File a float plan

Share your travel itinerary with at least one other person. At a minimum, include where you’re going, who is traveling with you, vehicle information, and any emergency contacts. It’s wise also to list what communication equipment you have onboard in case someone needs to find you.

Stay alert

It’s just common sense. Be aware of other motorists, shallow depths, and debris in the waterways. Throttle down and pass on the operator’s side when approaching swimmers to reduce risk. And, as always, check weather forecasts before departing.

Take a course

Stay prepared by taking a safety class to learn even more tips. This will help you navigate maritime traffic laws, distress signals, and boating signs.

Contact an agent serving Cypress, TX.

InsureUs want to keep you safe. But they also want to keep you protected too. Only a dedicated boat insurance policy can grant you the security and peace of mind you need. Schedule an appointment today.

Why you Must Annually Renew your Commercial Insurance

For your business to grow, you must update your insurance annually.  A company that continues to operate without an updated insurance plan is unstable. Many changes could occur to business, and we at InsureUS, serving Cypress, TX, could help you renew your commercial insurance.

Insurance Coverage is Inadequate

The first reason is that renewing your insurance yearly is vital because you might not have enough coverage to protect your business. An annual review helps examine all areas of your business that need to be covered. If you add a particular item to your product line, you have to update that in your insurance plan. Updating this will allow claims related to this new product to be covered in your plan.

Change of Business Location or Expansion

When you move your business to a different location or expand, you also need to update your commercial insurance. You will need to reflect these changes in your insurance plan. Even if you made some changes or upgrades in your business property or building, you also need to add that to your insurance. This is especially important if you invested a lot of money into these changes.

Change in Employee Staffing

If you have employees, you’ll need to update your business insurance to reflect any changes in staffing. If any workers have been terminated or hired, you will have to follow up with your insurance advisor to make these changes. Although Texas is the only state in America that doesn’t require worker’s compensation for certain businesses, it might be a good idea to include this to cover an injured employee’s lost wages.

Renewing your commercial insurance helps protect your business and its assets. If you live in Cypress, TX, contact InsureUS today to help you do this.          

Things home insurance won’t cover

Buying a home is something you may have been dreaming of for years. Now that it has happened, you may realize all the risks that your home and you now face. Having the right home insurance can help you to survive many hazards but, unfortunately, not all of them. At InsureUS in Cypress, TX, we bring our customers our years of experience and some of the top carriers in the business. 

Owner neglect

Part of being a homeowner is maintaining your home. Maintenance means a lot of different things. It is a lot more than just making sure your lawn gets mowed. It means making sure when your roof has reached its maximum age, you replace it before your ceilings and walls get damaged. It means treating your home for pests before your home gets damaged. It means being proactive about repairs. If you don’t maintain your home, the insurance company can and probably will refuse to pay for preventable damage. 

Earth movement

When the earth starts to move, it isn’t good for your home. Traditional home insurance doesn’t cover earthquakes, sinkholes, or landslides. If you live in an area where this is an issue, you should be able to purchase a separate policy or a rider for your home insurance to provide this coverage. 

Flooding

Floods cause an incredible amount of damage every year, and the sad fact is home insurance doesn’t cover surface water flooding. However, you can purchase flood insurance from the NFIP to provide the protection you need. 

This is just a partial list of the exclusions on home insurance policies. You should discuss what the others are with your independent insurance agent. 

Contact InsureUS in Cypress, TX with any questions you may have about your home insurance coverage and the things you need to know about exclusions. 

Tips When Shopping for Auto Insurance

Do you own a car in Cypress, TX? Car ownership provides a sense of freedom and endless possibilities. However, car ownership comes with financial responsibility, which includes car insurance. Whether you are a first-time or seasoned car owner, buying car insurance is never easy.  However, you can land a policy that satisfies your budget and other needs with a little bit of preparation.

Are you shopping for car insurance in Texas? InsureUS shares tips and tricks to help you get the right policy.

Familiarize yourself with car insurance coverages

Car insurance comes with numerous options. It’s always good to familiarize yourself with different car insurance policies to know the option that fits your needs. Common car insurance coverage options include:

  • Collision coverage
  • Comprehensive coverage
  • Liability coverage
  • Uninsured motorist coverage
  • Medical Payments (MedPay)
  • Roadside assistance

Know the state requirements

Like most states, Texas has minimum requirements for car insurance. All motorists must include bodily injury and property damage liability policies in their insurance policies. Failure to have the right insurance policy could result in numerous fines and penalties, including license suspension.

Consider car insurance exclusions.

Just like it’s important to know what your car insurance covers, learning about insurance exclusions saves you from heartache when filing a claim. Typical car insurance doesn’t cover intentional damage, racing events, business operations, and unauthorized drivers.

Shop around

Don’t settle for the first quote you get from an insurance company. Ask for several quotes to make comparisons. And the best thing? Car insurance quotes are free, and you can get them online or by working through an independent agent like InsureUS.

Choose a reliable insurance agent.

An insurance agent is like your financial advisor, so you had better get it right. A knowledgeable insurance agent analyses your finances and risk profile and recommends an insurance policy that suits your needs.

Need to learn more about car insurance in Cypress, TX? Please get in touch with InsureUS for more information.

How Much Renters Insurance Do I Need?

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.

5 Common motorcycle claims in Cypress, TX

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.

Reasons You Need Flood 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. 

Partner Carriers

  • Allied Trust
  • Allstate
  • ARI
  • ASI
  • Branch Insurance Exchange
  • Centauri
  • Chubb
  • Clearcover
  • Cover Insurance
  • Cypress Property and Casualty
  • Elephant Insurance
  • Grundy
  • Hagerty
  • Hartford
  • Hippo
  • Homeowners of America
  • Infinity Insurance
  • Jewelers Mutual
  • Jibna
  • Kemper Personal Insurance
  • Lemonade
  • MDOW Insurance Company
  • Mercury Insurance Group
  • MetLife
  • National General
  • Nationwide
  • Neptune Flood
  • Progressive
  • Safepoint Insurance Company
  • SageSure
  • State Auto
  • Swyfft
  • Travelers
  • UPC
  • Velocity
  • Wright Flood