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A Newbie’s Guide to Motorcycle Insurance

Posted on June 20, 2016June 20, 2016 by agentinsure

Whether you buy a motorcycle for work or pleasure, you need insurance protection to cover your investment. If you’re new to the motorcycle scene, it’s best to research your options before making any definite decisions on what kind of insurance to buy. Insurance companies and policies are not “one size fits all.” Here are a few guidelines that can help you get the best coverage for your new bike.

Get Insurance Quotes in Advance

Similar to car insurance, you can compare what different companies have to offer for bike insurance online. In fact, you may want to get a quote before you even purchase your motorcycle as some makes and models are more expensive to insure than others. High performance bikes used for sports racing, for example, are more costly to insure due to a higher risk of accidents and being more expensive to repair. By discussing insurance costs with a reputable agent in advance, you can make a smart bike choice that will keep your insurance cost down.

Work with a Reputable Agent

Comparing insurance costs online makes it easier to narrow company options so you can pay them a visit and clinch a deal. It’s good to talk to an agent in person as it allows you to ask questions, go over the policy in detail and establish a rapport with a company representative. An agent can help you personalize your insurance coverage to suit your specific needs and budget. He or she can also explain the legal ramifications of having insurance to give you a better understanding of what kind of coverage to buy.

Working with a company you trust is key to getting the best coverage at the best price. At InsureUS, we can guide you to making excellent motorcycle insurance choices to protect your new investment.

Staying Safe During Summer Boating Season

Posted on May 30, 2016May 29, 2016 by agentinsure

When you live in Texas, it’s important to know what to do in order to stay safe throughout boating season. Here’s a lot that you can do and the more you know, the easier it will be to spend time out on the water with confidence that you can keep everyone safe.

Have the Necessary Gear

It’s not as simple as buying a boat and going out on the water. You have to have some gear as well. This includes such things as:

–           Life jackets to fit everyone who will be out with you
–           Navigational gear such as maps and GPS
–           Emergency kit, including first aid and fire extinguisher

All of these are critical and each time you go out on the boat, be sure they are present and in good condition.

Get Trained

Being behind the wheel of a boat is different than driving a car. You want to take a safety course so you know more about the various speed limits that are out there. You can also find out about what the buoys mean and some of the other navigational tools.

It’s not just about learning how to drive a boat, either. Be sure you know how to swim. It can be advantageous to know first aid, as well. This way, should something happen to anyone while you are out on the boat, you can make sure they get the care that they need.

Other Boating Safety Tips

There is plenty that you can do to stay safe this summer. Some other things include:

–           Obtaining a vessel safety check
–           Checking the weather
–           Not drinking aboard the boat
–           Sharing your float plan

Find out how to stay safe during boating season in Cypress, TX today by calling InsureUs.

Ways To Make Moving Less Stressful

Posted on May 2, 2016May 1, 2016 by agentinsure

Finding a new home to live in is very exciting. However, the actual act of moving is not something that anyone looks forward to. The actual moving process can be very stressful if it is not planned and executed well. To assist in the moving process, we have gathered some tips that will make it easier both while packing and while you are unpacking. To explore your options for homeowner’s insurance, be sure to contact us at InsureUS.

Coordinate packing by room and color code your boxes. A big mistake that many people make is that they fail to pack by room. If you pack by room and you take the time to color coordinate your boxes as you go, then the unpacking process is so much easier. You can move all of the boxes by color into their corresponding room while you are moving and then unpacking is easy because the boxes you need for that room are already in there. You will not have to spend any time searching for a box in the pile.
Keep an inventory. Another great thing to do is keep an inventory of items as you pack them and mark where you have them packed. This is helpful because if you need to find something fast, you can refer to your inventory sheet and find it in no time at all. It is also a great idea to label your boxes in this process.
Pack a first night bag. Chances are that you will not want to unpack your home on the same day that you move. You will still need some basic items on the first night so make it easier on everyone and pack a first night bag with all items you need. That way you can get some much needed rest before tackling all of those boxes.

Tips for Staying Calm While Driving

Posted on April 29, 2016May 1, 2016 by agentinsure

Driving can be nerve wracking but it does not have to raise your blood pressure. Though dealing with other drivers, road hazards, and anything that may end up getting in your way can stress you out while driving, this does not have to be the case. There are ways that you can calm yourself down while driving to keep yourself and other drivers safe.

For starters, music has the ability to calm down even the most frantic person. Try finding a radio station you love, a cd you like to listen to, or even music that is on your phone. Either playing music all the time while you drive or just when you are feeling a bit overwhelmed can help reduce your stress and can help make your trip that much easier and more relaxed.

Breathe, it helps. It may sound funny but deep breathing while driving can reduce stress and can help you to work through any road rage that may be bubbling up. Try some great deep breathing exercises to help reduce your overall stress levels and to help calm you down while driving. Believe it or not, this can reduce overall stress as well as very particular stress that may be associated with an incident while driving.

Pulling over when you are feeling particularly peeved or irritated while driving can do a few things. First off, it can remove you from the other drivers that are making you feel annoyed or angry. It can also give you time to yourself to reflect, and it can give you time to calm down. Pulling over is a wonderful way to destress and get back in the game to be the safest driver you can be. InsureUS wants you to be the best driver you can be so calm down while driving.

Car Insurance-Why Have Full Coverage?

Posted on March 4, 2016March 3, 2016 by agentinsure

When it comes to car insurance plans there are many to choose from. Though some states do not require car insurance it is wise to have it. Many times unexpected things occur and being insured helps. Car owners have many options when it comes to choosing plans.

Among the choices of car insurance, one aspect a car owner must consider is whether to be insured for liability alone or to have full coverage car insurance. In Cypress, TX , through InsureUS, you can choose from a variety of plans. Liability is a one choice of insurance car owners have a choice of. However, liability only covers certain situations that are often very specific. On the other hand, having full coverage on the car means that the car is insured for a variety of circumstances. Why is this particular type of coverage a good option to consider? It is a good option because this type of car insurance will most likely cover is the car is in an accident whether it be the driver of the cars’ fault or another driver. It is also far more likely to cover any incidents that may happen to the car. This type of incident would be something along the lines of a tree limb falling on it or some other type of damage that is purely accidental and may have occurred even when the car is stationary.

Having full coverage offers peace of mind to car owners. This way, no matter what may happen the car is insured and the owner will most likely not face large out of pocket costs. Car insurance plans vary and there are many to choose from that fit a variety of budgets for car owners as well. The best way to choose is to look at what each plan includes and then choose the one that best suits all needs.

Giving Back: Helping Your Cypress, TX Community

Posted on March 3, 2016March 3, 2016 by agentinsure

Living in Cypress, TX can be a beautiful thing, and one of the ways you can really get involved in your community is through service to others. Fortunately, there are plenty of good ways you can get involved, so you can focus on your strengths and on the needs that the community truly has. By doing things like donating or volunteering, you can bring hope back to people who really need it, and learn more about the place you live and the people who share it with you.

The more you learn about the Cypress area, the more you see that there are people who are very successful and some that need more help, just like everywhere else. You have the opportunity to make a difference, and to show the people around you that there are ways they can make changes in their community that have a big impact on other people. That’s what small businesses and family businesses also often do. They have a more personal touch, and make people feel comfortable with the goods and services they get from them.

Another way you can get involved in your community and give back is to support those local businesses to help them grow and thrive. Make sure you’re insured by someone in your community, like InsureUS, for example, so you can get good insurance coverage and personal service. You’ll help out a local insurance agent, and also get the coverage you need at a price you feel good about. Because you’ve helped a local business be successful, you can count that as a contribution to your community. It will also give that company a chance to give back, too, so there’s an additional benefit to making sure you keep your time, talents, and money in your local area as much as possible.

Get Ready To Drive Abroad

Posted on December 21, 2015December 21, 2015 by agentinsure

Driving abroad can get you to all sorts of amazing destinations. It allows you to be in control of where you go and how soon you get there. Before you arrive, there are some ways to prepare.

Can You Drive in the Country?

There are a few things you want to look at to make sure that you can drive in the country. There may be some special requirements in the country. You may also be required to get an International Driving Permit, which translates your driver’s license into a variety of different languages.

Do You Have Everything You Need?

It is important to have everything that you need prior to arriving, or at least have everything in place. It’s a good idea to have a paper map of the cities you will be driving in as well as a GPS. If you have your own GPS, be sure that international maps are loaded, otherwise you can rent one from the rental car company.

Are You Protected?

Have insurance in place so that you are well protected against various issues. This includes collisions as well as simple dents and other issues from parking, hail, and other driving conditions.

Are You Ready?

Be ready for driving in the different cities/countries that you may be visiting. This includes knowing whether you will have to drive on the “other” side of the road as well as any different driving conditions that you may not be used to, such as roundabouts. It’s also important to understand the most common road signs so that you can stay safe while driving.

You don’t have to go through the auto insurance buying process alone. Our knowledgeable agents can help you with choosing the right coverage and comparing rates across the state. Call InsureUS now and let us help you.

Plumbing Issues: Will Home Insurance Pay?

Posted on November 2, 2015May 26, 2015 by agentinsure

Bellaire, Texas is a growing city that offers a number of sites and events. It has seen its share of BBQ competitions and music festivals. With a population of more than 17,000 people, it is part of the Houston-Sugar Land metropolitan area. Due to its location, there are many job opportunities within the city as well as with a short commute.

When you buy a home insurance policy in Texas, you want to look at whether plumbing issues are covered. This requires reading some of the fine print to determine what events will count and what ones will not.

Some of the issues you may deal with in regards to your plumbing include:

– Broken pipes

– Clogged drains

– Broken toilets

– Broken water main

– Sewer replacements

Whatever it is that is going on, you want to deal with the issue quickly. You could experience some water damage as a result of the plumbing. The water may be going everywhere, damaging not only the floor, but also your furniture, carpet, and potentially even drywall and home structure.

With water damage also comes mold – and this can be a costly thing to take care of as well in Bellaire. You want to pay as little as possible. After all, that’s why you have home insurance. It’s much easier to file a claim and let the insurance company pay so you don’t have to. They take care of all of it, including making the repairs so you can simply enjoy being a homeowner.

In many instances, the home insurance policy will pay for plumbing issues, but it has to be coverage that’s included on your policy. Otherwise, the claim will get denied.

Call and talk to one of our agents for help with a policy and quotes now.

Spring your Spring,Texas Business Into Spring

Posted on October 1, 2015May 26, 2015 by agentinsure

Spring, Texas has a long business history. In fact, it traces its start to 1838, and just two years after the town was founded, William Pierpont started the area’s first trading post on Spring Creek. In two more years, the town would grow to 153 residents, far from the estimated 55,000 who live here now.

Depending on the type of business you have in Spring, the change of seasons will likely mean more activity. People are getting out more and income tax refunds are being spent. It is a time many businesses look forward to and enjoy. It is also a time when the threat of spring storms increases. Is your business prepared? Do you have the appropriate coverage to cover the increasing role technology is playing in your business? Is your storefront covered for glass breakage? What if there were to be flooding or a lightning strike? The time to find out is now.

This is a very good time to get a commercial insurance review from InsurUS. We serve the Spring area with a full line of personal and commercial insurance products. We are an independent broker. Being a local and independent agency works for you in multiple ways.

We can review policies no matter what company initially issued them.
We have access to get quotes from many different companies.
Since we are independent we work for you, not a particular company.
We are here to answer questions, conduct reviews, and even assist in the event of a claim.

We invite you to try us for a comparative quote right online. Visit our website, answer a few questions and we’ll get you a homeowners or auto quote. For a business insurance review and quote, please contact our office.

Before our weather “springs” any nasty surprises on us, contact InsurUS. We are here to serve you!

Will Home Insurance Cover Car Damage?

Posted on September 1, 2015May 26, 2015 by agentinsure

West University Place is found within Harris County, Texas. It’s a relatively small city of 15,000 people, though it is located within the Sugar Land-Houston metropolitan area. The city focuses on many different events throughout the year and offers a significant amount of parks and recreation to keep people outdoors and active.

As a homeowner, you want to make sure you have a home insurance policy that you can rely on in West University Place. There may be various things that happen on your property and you want to know that it’s all covered.

If something or someone hits your car while it’s on your property, what happens? Car insurance may not pay due to the coverage you have or because of what actually happened. This means you then have to turn to your home insurance policy because it happened on your property.

Some of the things that could happen include:

– A branch falling on your car

– A contractor backing into your car

– A flood damaging your car

– A drunk driver hitting your car

– Much more

There’s no way to know what could happen and therefore you need a policy that’s going to protect you from most of it in Texas. It’s possible for home insurance to cover a significant amount of car damage that could occur. You have to make sure the insurance company has the correct information on your car and that you look to see if the coverage levels are adequate based upon the value of your car.

Finding a home insurance policy doesn’t have to be complicated or time consuming. Call and talk to one of our knowledgeable agents today and let us find you a policy. We will start by getting quotes from different companies.