Traveling for the Holidays? Safeguard Your Goods with Renter’s Insurance

Many renters are under the mistaken notion that their goods are protected by their landlord’s insurance. Truth is your landlord’s insurance protects his building and surrounding property, not your personal goods. To protect your personal goods, talk to an agent from InsureUS in Cypress, TX about renter’s insurance. Renter’s insurance will safeguard your goods against theft and damage from such perils as theft, fire, vandalism, and other holiday disasters. Here’s why it’s a good idea to get a renter’s insurance policy before the holidays.

Disasters

There are so many stories about people returning from holiday travels to discover their home had been ransacked or destroyed by a disaster. Faulty plumbing could cause indoor flooding during your absence, destroying your goods along with the interior of your rental property. An unexpected wildfire could totally consume your rental home, destroying all that you own in the process. Natural disasters are becoming commonplace throughout the country. By being prepared, you can avoid losing all that you own, especially during the holidays.

Theft

Theft is a big problem during the holidays. While you’re gone, your home could be targeted by burglars who are on the lookout for empty properties. If you plan to be gone awhile, take precautions to reduce the risk of theft during your absence. Install an alarm, put in security lights, stop mail delivery and make sure your goods are protected with renter’s insurance coverage. If your valuables are stolen or you’re the victim of vandalism, you can recuperate your losses with replacement cost renter’s insurance coverage.

With renter’s insurance, you can travel with confidence this holiday season knowing your goods are protected against any eventuality. To learn more about renter’s insurance options and costs, call or visit InsureUS today in Cypress, TX.

Do I need motorcycle insurance in Cypress, TX

Cypress, TX is located just twenty-four miles northwest of Houston. Bikers have plenty of open roads to enjoy in this part of Texas. Like all vehicle owners in Texas, motorcycle owners need to carry a mandated amount of liability insurance. The answer to whether you need motorcycle insurance is yes, you do need to have basic coverage but is that enough? The experienced agents at InsureUS are happy to sit down with you and discuss what motorcycle insurance coverage is right for you. 

If you have a loan or a lease on your motorcycle, your lender is going to require that you carry collision and comprehensive insurance to protect their investment in your bike. If however, you own your bike outright, you need to decide whether to carry the additional coverage. If you have an old beat-up motorcycle that you would not miss if it was gone or if you have the money to repair or replace your bike maybe you are fine with just having the basic liability coverage. However, if you have assets, basic may not be enough. 

Let’s face it, most motorcycle owners love their bike and they treat it like their baby. Your baby needs protection and if it is damaged you are going to want to fix it. If you can afford to do that out of pocket then you don’t need collision or comprehensive coverage. But if it would put a dent in your savings to make the repairs then carrying additional insurance is important. Be sure to talk to your agent about any customizations that you have made to your bike that increased the value. 

Motorcycle insurance is something that bikers in Cypress, TX need to seriously consider. The team at InsureUS is here to answer your questions and to make sure that your bike is as protected as it can be. Stop by too see us or give us a call to discuss the coverage that you need. 

Is flood insurance part of regular homeowners insurance?

Cypress, TX has seen its share of flooding in recent times, and there is always a possibility there could be another natural disaster in the area. Unfortunately for homeowners who did not have flood insurance during the last flooding, this is not something that is covered in a standard homeowner’s policy.

Before you decide to purchase flood insurance, you need to understand the risk in your area and what kind of protection exists. At InsureUS, we can help you assess your future risks look through your options.

Do you live in a flood zone?

If you live in a designated flood zone, you will need to purchase flood insurance to even get a mortgage. Even if you aren’t close to a body of water, there could be other problems like drainage issues that make your area a flood zone.

Replacement cost or actual cash value?

When choosing a policy, you will need to decide how much insurance you need. That will be based on the value of your home and possessions, but you can also choose a policy that will rebuild your home as it was instead of just offering you the current market value.

Don’t wait

If you do experience flooding, your policy already needs to be in place. There is a 30-day period after you purchase flood insurance before it goes into effect.

Whether you own or rent your home in Cypress, TX, your standard homeowners or renters insurance will not protect you in case of flooding. You will need to have a policy that specifically covers your home during a flood. If you are interested in purchasing flood insurance, or if you just have any questions about it, please feel free to call InsureUS today.

Reasons Retiring to an RV is a Great Choice

If you live in Cypress, TX and have already just retired or retirement is right around the corner, you may be struggling with deciding where you want to retire. The quick and easy solution is to consider retiring to an RV. Spending your retirement in an RV means you go visit all those places you promised yourself you would visit after retiring, you can visit the grandkids anytime and you park your home near a beach during the winter. If you have been thinking about retiring to an RV, but aren’t sure if it’s good choice, InsureUs has put together a few of the benefits that come with RV living.

Save Money

One of the best benefits of retiring to an RV is that you will save money. There are campgrounds throughout the United States that offer special discounts to seniors and for those who choose to park in the campground during the off-season. You will no longer need to pay a high mortgage or expensive rent, you’ll need to ensure the RV, but you can drop your homeowner’s insurance and most campgrounds offer free WiFi and activities, so you’ll save money on bills as well as entertainment.

Downsizing

Retiring to an RV means you can significantly reduce the amount of stuff you have. Living in a traditional home means you typically have much more stuff than you really need, for instance, do you really need six skillets? Living in an RV means you can eliminate the clutter in your home and your life. It may take a minute to get used to living with only what you need, but in time, your life will be much happier. The less clutter there is your life, the freer you will feel, which means you will have the desire to get out, be adventurous and enjoy your retirement.

Make New Friends

All that traveling means you will be interacting with more people and if you tend to park in a campground that is senior-oriented, you will be amazed at how many people you meet that enjoy the same things as you. Many campgrounds offer a “get together” for their residents as well, which means you’ll have even more opportunities to develop lasting friendships with people.

These are only a few of the benefits that come with RV retiring. If you aren’t sure if it’s the best lifestyle for you, consider renting an RV for a few weeks to give it a try.

Residents of Cypress, TX that are interested in learning more about insuring their RV should contact InsureUs.

Can I Have More Than One Boat Insured Simultaneously?

Cypress, TX – The Home Base Of InsureUS 

We do like things big here in Texas but one thing that can stay slight is the amount of time spent worrying about insurance.  When you are out on the water you just want to relax you don’t want to think about what’s covered by your insurance and what isn’t. If you’re fortunate enough to own more than one boat,  you can insure more than one boat at the same time. 

Though many homeowners insurance policies cover minimal damage to your boat, you want to have more extensive coverage. 

If you have one boat docked and you’re using another boat there is a layup provision provided in the state of Texas which will suspend the insurance coverage when the boat is not in use. Speaking with an agent is the best idea as they will know the nuances of what is covered and what isn’t as well as what is beneficial and what is not.  

 There are various stipulations for boat insurance if the boat is used in ocean water. Again, speaking with your agent will clarify things for you and the more detailed you could be about how you’re going to use your boat the better. In this way, your agent will be able to craft a policy that will cover you and your needs. 

Located in Cypress, TX 77429, you can come in today and speak with us about all your insurance needs. If you’d rather call, our telephone number is 281-640-8888. The agents at InsureUS want you to feel secure in your insurance agency choice. Just let us know how we can make this experience more beneficial to you and more customer-friendly today.

On The Road With Your Business

From ride sharing to delivering food and goods, transportation-based businesses have seen a surge in popularity around Cypress, TX. Putting your personal vehicle to run your own business can be a smart choice to earn income in an ever-changing convenience service industry. InsureUS knows one of the most important considerations to make when you start such a business is auto insurance coverage.

Even if your personal vehicle already has insurance, that policy is likely not adequate for commercial use. In fact, accidents that occur while you are using the vehicle for business might not be covered at all by your personal use policy. So, how can you decide if you need a commercial auto insurance policy?

Personal VS Business Usage

A vehicle is considered to be used commercially when a business requires it in order to maintain normal operations and/or it is used over 500 miles per week. How you use your vehicle also matters in determining if it is mostly personal or commercial.

  • Commercial Examples – Regularly visiting clients or business properties, Hauling equipment to work sites, Delivering goods or paying customers, Selling goods or services out of the vehicle (i.e. a food truck or traveling cleaning service)
  • Personal Examples – Regular commutes to work, Taking non-work trips with coworkers, Picking up lunch, Business use less than 3 times per month

Unique Opportunities, And Dangers

Using your vehicle to generate income can be exciting, but it can generate problems, too. Your vehicle will likely deteriorate in condition faster and is far more likely to encounter dangerous weather and accidents. These situations are just some reasons why commercial auto insurance offers special coverage for business vehicles.

Whether you’re using your personal vehicle to run your business or own a whole fleet of work cars and trucks, InsureUS encourages all of our Cypress, TX customers to reach out and discuss commercial auto insurance with us today. 

Home Insurance Options in Cypress, TX

A home insurance policy helps you rest a little easier in case of covered items, which may include vandalism and theft. Learn more about what home insurance coverage would work for your home and family from your InsureUS agent. In the meantime, here are some essential facts home insurance in Cypress, TX.

What is Home Insurance?

A home insurance policy pays to replace or repair your home and belongings in the case of an unforeseen event. Home insurance typically protects you when your home or property is damaged by a covered event, like a storm or fire. Besides basic coverage, you may want to invest in optional coverage. Texas has a Consumer Bill of Rights that discusses the rights of rents and homeowners. Be sure to ask for a copy of the Bill of Rights when you purchase or renew a home policy.

Is Home Insurance Required?

Home insurance is not required by Texas law. However, if you have a mortgage loan, your lender will require you to buy a policy. Even if you own your home, it’s a good idea to protect your house and personal belongings.

Types of Home Coverage

Ask your insurance agent which of the following are covered in a policy you’re considering.

Dwelling coverage covers the house if it’s destroyed or damaged by an event in your policy.

Personal property coverage pays for clothing, furniture, clothing, and other belongings if they are damaged, stolen or destroyed.

Other structures coverage reimburses you for repairs on unattached structures on your property. This could include storage sheds, garages, and fences.

Loss of use coverage covers other lodging expenses if you can’t use your home due to a covered event. 

Personal liability coverage takes care of lost wages, medical bills and other costs for those who suffer injuries you’re responsible for. It may also pay for damages to someone’s personal property that occurs in your home as well as court costs.

Medical payments coverage pays the medical bills if someone else if hurt on your property.

Contact InsureUS in Cypress, TX to set up an appointment for a free quote.

 

How to make the most of your gas mileage

Whether you drive a big truck or a small car, everyone can benefit from making the most of their gas mileage. Sometimes, people think they’re doing everything they can to get good gas mileage, but they may not realize there a few tweaks here and there that could make a big difference. Especially in the summer when you might be going on road trips near Cypress, TX, you’ll want to do your best to get good gas mileage, so continue reading to learn some tips from InsureUS.

  1. Stay within the speed limit

  2. Avoid rooftop cargo boxes; haul cargo behind your vehicle and remove rooftop boxes when not in use

  3. Clean out your vehicle, and don’t haul around extra weight

  4. Don’t let your vehicle idle for more than ten seconds

  5. Take advantage of cruise control

  6. Drive sensibly; avoid sudden stops and starts, and don’t accelerate when you will soon need to slow down

  7. Regularly check and maintain your engine

  8. Keep your tires at the correct pressure for your vehicle; check them often, especially in extreme temperatures

  9. Use the oil that is recommended for your vehicle

  10. Combine trips and plan stops so you don’t backtrack

Simply making a few of these suggested changes can improve your vehicle’s fuel economy, and if you make an effort to change in many areas, you will start to see a big change. Another great way to save when you have a vehicle is by making sure you have the correct auto insurance for your needs. Talk to an insurance agent at InsureUS near Cypress, TX today if you have any questions about your policy.

Why Should I Get Renter’s Insurance?

With so many bills and so many more interesting things to spend your money on, purchasing renters’ insurance is probably not high on your to do list, if it is there at all. You already pay for auto insurance because the law requires it, but you probably wonder why you should get renter’s insurance if it is not required in Cypress, TX. Is it not just adding an unnecessary bill to the already huge stack you have?

Imagine that you are renting a home that you have spent a great deal of time and money on to make it “your own”. You are sleeping soundly one night when your dog wakes you in a panic and you find yourself in the midst of a fire. You and your dog are able to escape through your window and get away from the house. Once you are safely waiting on the fire department, the gravity of the situation hits you. Everything you owned was in that house, down to your wallet with last week’s pay and your cell phone. You have nothing left but your dog and the pajamas you are wearing. And if that is not bad enough, you soon find out that your landlord’s insurance will only cover the house, not your possessions. Now you face the daunting task of starting over without the help of an insurance check.

No, renter’s insurance is not required by law in Cypress, TX. Unless your landlord requires it, you do not have to get it. Consider though how much you would regret not having it in the example above. InsureUS renter’s insurance policies cannot prevent a fire, a theft, a storm, or any other situation that could destroy your rental home possessions. They can, however, make the road to recovering your life easier. Give InsureUS a call today to discuss renter’s insurance options and to understand your coverage options.

What Gear is Appropriate for New Motorcycle Riders?

If you’re new to riding, you’re at greater risk of having an accident due to your lack of experience on the road. For this reason, you should do what you can to maximize your protection.

Motorcycle insurance from InsureUS in Cypress, TX, can protect you and your bike against injuries and property damage. Motorcycle safety gear can minimize injuries that an accident can cause. What gear is appropriate for new motorcycle riders?

Motorcycle Helmet

Even if it’s not mandatory in your state, a motorcycle helmet is a must. A DOT (Department of Transportation) approved helmet can save your life in a serious accident. A helmet that covers your head and face offers the most protection.

If your helmet doesn’t come with a shield, a quality set of goggles will protect your eyes against rain, wind, bugs, and gravel kicked up from the wheels of surrounding traffic.

Jacket

A durable leather or synthetic jacket will protect you against the elements and bugs as you ride. It can also protect your chest, back and arms in the event of an accident. Choose a jacket that fits comfortably, has accessories you need (pockets, zippers, snaps, etc.) and coincides with your riding lifestyle.

Riding Boots

A sturdy pair of riding boots will protect your ankles and feet in a crash. If your foot gets trapped beneath your bike in an accident, a sturdy pair of motorcycle boots will help absorb the impact to keep your ankle bone from snapping.

Gloves

When you take a spill, the first thing you do is put out your hands to protect yourself. Motorcycle gloves offer protection against the risk of road burns and lacerations in an accident.

For quality motorcycle insurance coverage at an affordable cost, contact InsureUS in Cypress, TX.