What Does Motorcycle Insurance Cover?

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!

Who needs to have flood insurance in Texas?

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. 

Who needs to have flood insurance in Texas?

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. 

RV Maintenance Tips

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!

What Will a Boat Insurance Policy Cover?

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!

4 Common Commercial Insurance Myths

How does a myth start? It begins with a truth that gets distorted as information passes from one person to another. Unfortunately, like most topics, commercial insurance isn’t an exception when it comes to false information. Myths crowd the judgment of business owners, leading to purchasing coverage based on wrong facts. The results? Misinformation is likely to lead to inadequate coverage or no coverage at all. 

The good news is that if you are in Cypress, TX, and its environs, InsureUS is here to set the record straight to help you cut through the noise. Behold the facts to common myths about commercial insurance. 

Myth #1: Home insurance covers home-based businesses

Home insurance just covers the aspects of your home. And even if it covers your home-based business, it’s only to a small extent. That said, you need business insurance to protect your home-based business from risks like liability claims, cyberattacks, and other perils. 

Myth #2: Your small business doesn’t need commercial insurance

If you hear anyone tell you that your small business doesn’t need commercial insurance, run in the opposite direction. Regardless of the size of your business, it would help if you had commercial insurance since risks can strike any business, whether small or large. 

In fact, small businesses need commercial insurance more since they are hard-pressed for resources. One minor catastrophe may wipe out your small business within minutes. And since you have limited finances to bounce back, getting off the ground may border the impossible. 

Myth #3: General liability covers all risks

While general liability is pivotal for your business, it doesn’t cover your business against all risks. General liability covers your business against third-party claims arising from bodily injury, property injury, and advertising injury you cause. That said, you need other commercial insurance coverages to cover the other facets of your business.

Myth #4: Commercial insurance covers flood damage

Typical commercial insurance covers many aspects, but flood damage isn’t one of them. As such, if your business is located in a flood-prone area, you need a separate flood insurance policy. 

Still have more commercial insurance myths that need debunking? An insurance agent can help you get the facts right. If you are in Cypress, TX, partner with InsureUs to help you get it right with commercial insurance from the word go.  

How to prepare your home for summer

The summer season is here already, and your mind is probably on switching summer clothes with winter clothes, planning vacations, hosting barbecues, and lounging at the beach while soaking your skin under the sun. Good plans, but have you thought about your home? Accidents? Damages? Burglaries? Well, summer weather can be pretty extreme, especially in Cypress, TX. Is your home ready for the heat? To help you get your home in tip-top shape, InsureUS shares four tips for preparing your home.

Clean drains and gutters

Cleaning drains and gutters are the last things anyone would want to do before summer. But, ironically, it’s one of the most important tasks that should top your list as it involves clearing the debris and mud that can clog the drains. If ignored, the result is a leaking wall or roof. Gutter cleaning helps lower water damage risks.

Check your air conditioner

The spring season is often associated with favorable temperatures, and you may not need to use the AC. However, you may want to use this opportunity to tune up your air conditioner and ensure everything is working perfectly  before the temperatures shoot up. Clean and replace the air filters for efficient functioning. When the air conditioner works well, a considerable amount of power is saved.

Inspect your yard

Your yard will be a valuable space, especially if you enjoy outdoor activities. So it’s probably time you revisited your landscaping ideas. Most of the winter trees may have been damaged during the storms, but they can be saved. Go through your to-do list before calling a landscaper or arborist to inspect your trees.

Update your home insurance

Don’t forget to check your home insurance. Remember you will be home for a very long time. So, make sure you have enough coverage to protect you against lawsuits and other accidents.

Looking to buy home insurance in Cypress, TX but not sure where to begin? Worry no more because you’re in the right place. InsureUS can help you find a policy that meets your style, needs, and budget. Call us today.

How can motorcyclists ride defensively on Cypress, TX roads?

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.

Do I Need Renters Insurance in Texas?

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.

Three important things to remember when you purchase motorcycle insurance in Texas

As a motorcycle rider, you need to find a motorcycle insurance policy that will protect you financially when you’re out on the roads. At InsureUS, we provide insurance to motorcycle riders in Cypress, TX.

The following are three important things to remember when you purchase motorcycle insurance in Texas. 

Minimum coverage won’t include collision coverage.

You have the option to purchase a few different types of motorcycle coverage. Types of coverage available include liability, collision, and comprehensive coverage.

It’s important to remember that minimum coverage generally only means liability coverage. This is the type of coverage required by law. Minimum liability coverage won’t cover the costs of repairing any damage to your own motorcycle if you’re at fault in an accident. 

Texas has minimum coverage requirements you’ll need to meet.

Liability coverage must meet certain minimum coverage requirements in Texas. Motorcycle riders need to make sure their policy meets minimum coverage requirements in their state. 

It is required that policies have at least $30,000 in coverage for the medical bills of every injured individual involved in an accident. $60,000 total liability coverage is required. Another required is at least $25,000 in property damage coverage. 

A lower deductible amount could mean higher monthly

Before a motorcycle policy begins covering costs, the policyholder has to pay their deductible. A lower deductible is more affordable after a claim is filed. However, policies with lower deductibles tend to cost more in terms of premiums. 

Are you currently on the market for a motorcycle insurance policy in Texas? We can help you meet your insurance needs at InsureUS. Contact us with any questions you have about meeting your motorcycle insurance coverage needs in Cypress, TX.