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. 

Do I need flood insurance in Texas?

If you own your own home in the Cypress, TX area, it continues to be important that you get proper insurance coverage for your home. A way that you can do this is with proper insurance. Depending on your situation, you may need to get flood insurance to protect your property. There are a few reasons why people should get this additional insurance protection in Texas. 

Flood Insurance Protects Property

A key reason that people need to get a flood insurance plan when in Texas is that it can protect their property very well. If you are located near a waterway that has a tendency to flood, there is a risk that your home could be damaged if a bad storm occurs. Fortunately, this risk can be mitigated if you have proper coverage through a flood insurance plan.

Insurance is a Lender Requirement

It is also common for people to need to get flood insurance because it is a requirement set by their lender. If you are located in an area that is deemed to be a flood zone your mortgage lender will want you to get proper insurance coverage. This could mean that you are required to get flood insurance and will have to escrow the payments on a monthly basis. 

If you are in the Cypress, TX area and are wondering about your flood insurance needs, calling InsureUS would be a great option. The team with InsureUS can help you better assess your insurance needs and options. With that guidance, you will be able to determine if you do need to get flood coverage. If you do need or want to have this additional protection, they can also help you build a plan that will ensure you are in compliance and properly covered. 

Do You Need RV Insurance All Year Round?

Living in the Cypress, TX area has its perks and benefits, and one of those is the opportunity to explore the local area and travel the country from a centralized location. But if you’re using the area as a home base and spending a lot of time on adventures, you may want to make sure you have the right type and level of RV insurance. At InsureUS, we can help you go over your policy and see if there are changes that need to be made. Then you can feel good about the policy you have and you’ll be able to focus on the fun of traveling and seeing the sights.

Protecting your RV is valuable and important, so it’s ready to go whenever you are. A lot of people only travel in the summertime, when their children are out of school and they can take some time away from work or other obligations. If that’s how you use your RV, you might be wondering whether you need to keep it insured all year round. It’s not being driven, so why cover it? There are other problems that can occur, though, such as theft or vandalism. You want to be covered for those things, even if you’re not worried about something that could happen out on the road.

Having your RV insurance in effect all year round is the better and safer choice, so you don’t have to worry about your RV during the months you’re not using it. By reaching out to us today at InsureUs, we can help you cover your Cypress, TX RV with a policy that’s going to give you quality coverage. Then you can enjoy your RV, your peace of mind, and all the adventures you’ll have as you travel.

Why do landlords require renters insurance?

If you are in the Cypress, TX area and are looking for a new place to live, renting a home can be a good option. While there are benefits that come with owning a property, those that rent typically will have fewer maintenance needs and have more flexibility. If you are going to rent a property here, you do need to also consider your insurance needs. Most of the time, your landlord will require that you have renters insurance. There are several reasons that they require this. 

Renters Insurance Ensures You Can Pay for Damages

If you ever make a mistake that results in property damage or an injury to another party, you will be responsible for the damages. In some cases, the cost to pay for repairs or medical bills can be significant. Due to this, your landlord will want to ensure you have the financial capacity to cover the costs. By ensuring that you carry renters insurance at all times, your landlord will know you have the financial resources needed to pay for damages. 

Renters Insurance Covers Your Assets

If there is ever a fire or bad storm that causes a lot of damage, it is possible that your personal items could be lost. When you have renters insurance, you will have coverage to repair or replace your items. Landlords will want you to have it as it will ensure you have support to replace your items and will not try to make a claim on their property insurance.

Anyone moving into a new home in the Cypress, TX area should consider their insurance needs. If you are going to get renters insurance, you should call InsureUS. The insurance team at InsureUS can help you better evaluate your renter’s insurance needs and pick a quality policy. 

Different Types of Motorcycle Insurance

When it comes to motorcycles, you must have liability insurance as you would with other moving vehicles. However, liability insurance for your motorcycle only helps you legally, and more coverage may be required to protect your passenger, your motorcycle, and you. Having said this, there are other kinds of motorcycle insurance out there. The following includes those other types of coverage: 

1. Medical Payments

This coverage is for medical expenses for you and your passengers due to injuries from a motorcycle accident. 

2. Collision Coverage

This coverage is for motorcycle damage that came from a collision with a stationary object, another vehicle, or another.

3. Personal Injury Protection 

This is reimbursement of your medical expenses, childcare, lost income, and other out-of-pocket costs occurring from a collision.  

4. Comprehensive Coverage

  This is coverage for damages to your motorcycle resulting from vandalism, flooding, tree damage, theft, a crash with another vehicle, etc. 

5. Towing and Labor

This includes the reimbursement of towing and relatable labor costs if your motorcycle breaks down. 

6. And More

Other types of motorcycle insurance include rental reimbursement, lease loan gap coverage, added or optional equipment, and underinsured and uninsured coverage. 

Conclusion

For more information concerning various types of motorcycle insurance and which one may be the best for you, contact InsureUS today.  Located in Cypress, TX, InsureUS has licensed, local agents who have been serving Cypress, TX and surrounding areas for several years. They work with multiple carriers, so they can find the right policy just for you. 

So, don’t get caught without motorcycle insurance. They are more than happy to assist you. They are locally owned and operated, and you can contact them via phone, email, or at their office. 

What Should Your Flood Insurance Cover?

When you purchase flood insurance in Cypress, TX, you’ll need to be sure that you have enough coverage to repair or replace your property in the event of a flood. Flood insurance covers your property in the event of a flood. Typically, this is a situation where there is excessive water in an area that is usually dry. To be considered a flood, the event often must cover more than one property or more than two acres. InsureUS will help you decide on the precise types of coverage you need so that you’re protected if a flood occurs. 

As you select flood insurance, it’s important to select coverage for both your building and its contents. Building contents covers your building and any damage that occurs to it. Things like your appliances, furnace, carpeting, and permanent fixtures will be covered under the "building" part of your flood insurance. Contents coverage covers the property and belongings inside the building. Things like your electronics, jewelry, books, and personal property will be covered under the "contents" coverage. To be properly protected, you’ll need both types of coverage. 

If you live in hurricane country, near a lake, or on the shore, you should carry enough flood insurance to protect you in the event of a flooding emergency. Individuals or families in the Cypress, TX area can reach out to InsureUS to learn more about the insurance options that are available. Be prepared with a list of personal property items, as well as an overview of the construction of your property. Your agent can help you estimate how much flooding insurance you’ll need to carry so that you can repair or replace anything that is damaged if you experience a flood. 

Contact a friendly insurance agent today to learn more about flood insurance, how to get covered, and how much insurance you should carry. 

Why should I get RV insurance in Cypress?

Owning an RV is a dream for a lot of people in the Cypress, TX area. Those that are in this area and want to explore the rest of Texas and the country will find that owning an RV gives them a reliable mode of transportation that can also double as a place to sleep and relax at the end of the day. If you are going to get an RV here, you should also get an insurance policy for it. 

Covers Your Asset and Investment

One reason that you should get RV insurance for your RV in Cypress is that it can cover your asset and investment. When you purchase an RV, you are going to be making a big investment that you will want to have pay off for years to come. When you get an RV insurance policy, you can receive coverage to protect both the RV and the personal belongings that you store within it.

Gives Liability Protection

Another reason that you should get RV insurance is that it will give you valuable liability protection. RV owners will have unique liability risks that can include risks of causing an accident when driving or having someone injured when visiting you when not on the road. With RV insurance, you will receive coverage for both of these risks. 

It is clearly very important for anyone in the Cypress, TX area to get an RV insurance policy. If you are looking for a new policy here, you should reach out to InsureUS. At InsureUS, the team of dedicated insurance professionals will work very hard to ensure that they understand your risks and personal situation. Based on this, it can be easy for them to find a policy that will cover your needs and give you peace of mind. 

What Does Boat Insurance Cover?

You work hard for your money and you want to play hard, too, which is one of the reasons you purchased a boat. To protect your investment in your new boat, you will want to take excellent care of it which includes obtaining an insurance policy that covers it if needed.

What Is Boat Insurance?

Boat insurance can cover your motorboat, personal watercraft vessel, or sailboat if something happens, such as a horrible fire that destroys or damages your boat. Also, if you have an accident while driving your boat, your policy can cover the damages to your boat and the properties of others involved in the crash if it is deemed to be your fault. If will also cover your boat if it is stolen.

Depending on the policy you obtain, your boat insurance may cover the machinery of your boat, any equipment that is permanently attached to it, the fittings of the boat, your boat’s hull, and the furnishings on your boat.

What Does Boat Insurance Cover?

Your boat insurance policy will cover your boat from certain types of risks. Along with providing coverage if your boat is stolen, damaged by a fire, vandalism, or natural disaster, or suffers damage sustained in an accident, it provides you with liability coverage. This means if someone on your boat is injured in an accident or some other incident, their medical bills and other expenses can be covered under the liability portion of your boat insurance policy.

Your boat will also be protected if you become involved in an accident with another boater who does not have boat insurance coverage or not enough to cover the damages you have incurred.

Creating a Policy

To create a boat insurance policy that works best for you and your situation, you will need to contact an insurance agent with experience in boat insurance. The boat insurance agents at InsureUS in Cypress, TX have the experience and knowledge necessary to be able to help you create the policy you deserve. Call for an appointment today!

Do I Need Commercial Insurance?

InsureUS offers commercial insurance in Cypress, TX. Most business owners find that they need some type of commercial insurance. Like personal insurance, there are a wide range of types of commercial insurance and coverage options. 

Business Property Insurance 

If you own a physical business, including a retail store, manufacturing center, or office, you’ll need commercial property insurance. Business property insurance ensures the property itself against damage including fire and vandalism. It covers the structure and your business inventory and equipment. 

Business Liability

Most businesses need some form of liability insurance. If you own a physical business, you’ll need liability in case someone is injured on your property. Many businesses choose liability in case their products or service fail and cause expenses to the customer. 

Business Income

If you are temporarily unable to operate, you’ll experience a loss of income. Business income covers many situations where you can’t generate income. Many expenses remain when you can’t operate, like lease costs. Business income insurance can help keep you afloat while you ride out the storm. 

Workers Compensation

If you have employees, you’ll need worker’s compensation insurance. It’s not a legal requirement in Texas, making it the only state in America that doesn’t require worker’s compensation for some businesses. However, worker’s compensation is still a smart idea. If someone gets injured on the job, worker’s compensation will cover their lost wages and medical bills. Without it, you would be liable for those expenses. 

InsureUS knows that you’ve worked hard to make your business successful. Unforeseen disasters of all types can spell the end of your business if you aren’t properly prepared and insured. If you live in Cypress, TX, let us help you protect your business with the right insurance policies for your needs. 

When is home insurance a requirement?

Anyone that lives in the Cypress, TX area should consider purchasing their own home. When you are a property owner in this area, you can benefit a range of different ways. While there are a lot of advantages that come with buying a home, you need to understand your insurance requirements. There are several situations when you will need coverage. 

When Taking out a Mortgage

One situation when you will need to get home insurance is when you pledge your loan as collateral to another party. If you take out a mortgage, a home equity line of credit, or another type of loan, the lender will want to make sure that their collateral is secure. The best way that they can do this is by ensuring you have home insurance at all times. It is important to work with your lender to fully understand their home insurance requirements.

When Moving into an Association

Another situation when you will be required to take get a home insurance policy is when you are going to move into an area that has a home association. If you move into an area with an association, the local document and regulations will require that you carry insurance at all times. This will provide assurances to the association that you can handle any liability claims and repair your home when necessary.

Ultimately, picking a new home insurance policy is always going to be a big decision. For those that are in the Cypress, TX area, and are looking for insurance, InsureUS is a great company to contact. The team at InsureUS excels at helping property owners understand all of their needs and options. This will help ensure you have a guide that can allow you to pick a policy that provides you with the right coverage.