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13026 Cypress N Houston Rd Suite 101
Cypress, TX 77429

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Commercial insurance FAQs

Many businesses risk being completely overwhelmed by the risks they face. Different companies face different types and levels of risk, but they must be protected from as many of the obvious risks as possible. At InsureUS in Cypress, TX, our team of experienced independent agents can help identify your particular business’s specific needs and make commercial insurance suggestions.

Does my business need workers’ compensation insurance?

Texas does not require private companies to carry workers’ compensation insurance. Just because you don’t have to carry it doesn’t mean it is a good idea not to have it. 

What protection will commercial liability insurance provide?

Commercial liability insurance will protect your business from the ramifications of a lawsuit. It can cover legal expenses and judgment. This can result from being sued by a client, a vendor, or a disgruntled employee. 

Does my business need commercial property insurance even if my building is rented?

Yes, it does. Commercial property insurance covers not only the physical building but also all the things you use to do business. Depending on your type of business, it can be machinery, office equipment, raw materials, inventory, display units, or electronics. 

Does my home-based business need commercial insurance?

If you want to be protected against the many risks that every business faces, you need commercial insurance. Your home insurance will provide only the most essential coverage for your business property. Your home liability insurance will not protect you from liability if customers or clients visit your home. If you use your vehicle for business, you need commercial auto insurance. 

Contact InsureUS in Cypress, TX to discuss your business and the types of commercial insurance that can benefit your business the most. Stop at our office, call us, or reach out through our website. 

Instances Where Home Insurance Wouldn’t ’t Cover Water Damage From Home Appliances

Water damage is one of the many risks most home insurance policies protect against. However, there are terms and conditions associated with insurance policies regarding water damage in your home. Anyone interested in finding reliable insurance policies to protect against water damage related to certain events can contact InsureUS, probably serving the residents in and around the Cypress, TX, area.

Home Insurance Protection

Your home insurance policy will generally cover water damage associated with various events. For example, you may be covered if your home experiences flooding due to a plumbing event. However, if your plumbing is in poor repair, you may not be able to file a claim because it’s a homeowner’s responsibility to keep the home in good repair to be covered. Additionally, if flooding results from a natural disaster, you’ll likely need flood insurance rather than home insurance to get the coverage you need.

If you need to find out which risks are covered by a home insurance policy, you can find out by speaking to one of our knowledgeable insurance agents. We can help answer questions about specific policies and ensure each customer understands the terms and conditions. We aim to help our customers be educated and confident about their policy selections.

Find Out More

If you would like to start shopping for the right insurance policy for your specific needs, let us help. The experts at InsureUS are ready to assist the residents of Cypress, TX, with getting coverage that offers them security. Call or stop by our office today to schedule a consultation or to get answers to questions. Our goal is to provide exceptional support and insurance services to protect against losses and risks against your home and property.

Auto Insurance for Teen Drivers in Cypress, TX

Parents of teen drivers face unique challenges when securing affordable auto insurance. As a trusted insurance provider, InsureUS is here to help you navigate the complexities of insuring young drivers and find the coverage that best fits your needs in Cypress, TX.

Why Are Teen Drivers Considered High-Risk?

Teen drivers are often seen as high-risk by auto insurance companies, leading to higher premiums. The main reason behind this is their lack of experience on the road, which makes them more likely to be involved in accidents. Additionally, teenagers are statistically more prone to risky driving behaviors, such as speeding or using electronic devices while driving. 

Ways to Save on Auto Insurance for Teen Drivers

We understand the financial burden of insuring teen drivers and are committed to helping you find affordable coverage. Here are some strategies to lower auto insurance costs for your young driver:

  1. Encourage Good Grades: Many insurance providers offer good student discounts for teens with a certain GPA. This promotes academic excellence and can lead to significant savings on auto insurance.

  2. Enroll in a Driver’s Education Course: Completing a driver’s education course can provide your teen with valuable driving skills and may result in a discount on their auto insurance policy.

  3. Choose a Safe and Reliable Vehicle: Opting for a vehicle with a high safety rating and modern safety features can help protect your teen on the road and may result in lower insurance premiums.

How InsureUS Can Help

Navigating the auto insurance world for teen drivers can be challenging, but we are here to help. Don’t let the complexities of insuring a teen driver overwhelm you – contact us today to discuss your options and secure reliable auto insurance coverage for your family.

Does renter’s insurance cover your items stored offsite?

In Cypress, TX, people commonly rent a home as often as they own one, so we offer renter’s insurance to protect them at InsureUS. Your renter’s insurance policy from us covers your personal belongings in your home and those you store offsite.

Some Items Need Added Protection

You may want to add a rider to your renter’s policy to cover high-dollar items. Placing something like a mountain bike or road bike in storage during winter puts it out of the way, and while it’s not on your mind, you should know that renter’s insurance has a cap on the reimbursement you can receive for damaged or stolen items. Typically, these policies cover $2,500 of personal belongings. That may not cover your bikes or hobby equipment that you store offsite.

Dangers of Supplementing with a Storage Facility’s Renter’s Policy

Perhaps the storage company you use offers its own renter’s insurance policy. Beware of its limits. Most of these policies limit your coverage to the time your items spend inside the storage unit. That means it doesn’t cover your items while in transit to the unit or from it, even when the items reach the storage facility. These very limited policies differ from the coverage you obtain from InsureUS, which offers comprehensive renter’s policies.

Contact Us to Purchase Renter’s Insurance

Contact InsureUS today to purchase or update your renter’s insurance policy. Our renter’s policies cover your liability and personal belonging, and you can add loss of use coverage. Let us help you protect your Cypress, TX, home because it remains the place you call home whether you rent or own your domicile.

Will motorcycle insurance pay for the repair of my bike if it’s damaged in an accident?

Like car insurance, motorcycle insurance can create peace of mind for motorcycle owners. It’s required in every state except Florida, meaning riders must carry it to drive in most states legally. However, like car insurance, riders are only required to carry liability coverage to drive their motorcycles legally. Our Cypress, TX team at InsureUS is committed to helping motorcycle owners get the coverage they need.

What kind of insurance is legally required to drive a motorcycle in Texas?

It would be best if you carried liability insurance to drive your motorcycle in Texas. However, liability insurance will only cover damage or injury to others, their property, or their cars or motorcycles if you’re found at fault for an accident. Plus, although the state may not require you to carry full coverage motorcycle insurance, your lender will if you are leasing or financing your motorcycle. 

Will motorcycle insurance pay for the repair of my bike if it’s damaged in an accident?

Maybe. Motorcycle insurance will only pay for the repair of your bike if you have collision coverage. Suppose you only have the state’s required liability coverage. In that case, you only have coverage for the repair of another person’s bike, car, or property or to cover medical injuries if you’re found at fault for an accident. However, collision coverage will pay for or cover the repair of your bike if it’s damaged in an accident. Other non-accident situations that damage your bike will be covered by comprehensive coverage, not collision coverage. Comprehensive coverage will pay for damage caused by floods, theft, and vandalism. If you have questions regarding different types of motorcycle insurance coverage, call us. We’d be happy to help you explore your options. 


How much flood insurance do I need?

Purchasing flood insurance is a smart move if you live in an area prone to flooding. But how much flood insurance do you need? This is a critical question for families and businesses in the Cypress, TX area to ask themselves. We at the InsureUS agency are always glad to help answer any questions.

The answer depends on the value of your home and its contents. If you own a home worth $200,000 and its contents are valued at $50,000, you need around $250,000 in flood insurance coverage. This amount would cover the cost of repairing or rebuilding your home and replacing any damaged property inside it.

It’s important to understand that flood insurance doesn’t cover landscaping damage or mold removal. So while $250,000 may seem like a lot of coverage, it may not be enough if there’s extensive damage due to flooding.

When buying flood insurance, ensure enough coverage for your home and its contents so that everything is adequately protected in the event of a flood. Additionally, consider getting additional coverage for expensive items such as jewelry or artwork with high replacement costs that can easily be damaged by flooding. It is important to remember that most homeowners’ policies do not cover floods. If you do not have flood insurance, and a flood hits your home, you may not be covered.

If you have any additional questions about flood insurance, your homeowner’s insurance policy, or any other type of insurance product, give us at InsureUS a call today. We are proud to serve the Cypress, TX area.

RV Winterization Tips for Texas

If you are storing your RV for the winter, there are a few steps you should take to ensure that the RV does not withstand damage due to freezing temps. At InsureUS, we aim to help clients protect their vehicles and other assets in Cypress, TX, and the surrounding areas. Keep reading to learn more about winterizing your RV. 

Why Winterize

To avoid freezing and busting pipes, you should winterize your RV for winter storage. Winterization should be done when temperatures drop into the 40s and 30s. January and February are typically the coldest months.

Drain Your Tanks and Plumbing

The first step to winterizing your RV will be to drain your tanks and plumbing thoroughly. Be sure to empty black and gray tanks at the appropriate dumping stations. When draining the hot water heater, be sure to turn the heater off and allow the water to cool to avoid injuries. 

Run Antifreeze

Once drained, you will want to pump antifreeze through the system. You can bypass the hot water heater on this step. Be sure to consult your RV owner’s manual on the proper steps to take to pump antifreeze through the system. 

You will know the system is fully pumped when antifreeze comes through the faucets and the toilets as well. 

Other Steps

Although winterizing the plumbing is probably the most crucial step, there are also other things you should consider. 

Give your RV a good cleaning before it goes into storage. There’s nothing worse than opening up the RV in the spring to discover something gross that was left behind. 

Remove all personal belongings as well to safeguard them from theft. Keeping your belongings out of view from windows can also deter possible thieves.

If you want to learn about RV insurance, please contact us at InsureUS, serving Cypress, TX, and the surrounding areas.

What does renters insurance cover?

Renters’ insurance is a crucial safety net for anyone who rents their home, whether it’s a house, apartment, condo, or other types of rental property. This kind of insurance protects you from any damage to your property that might result from a fire, theft, vandalism, or another type of accident.

But what exactly does renters insurance cover? Let’s take a look at some of the most common types of coverage included in this type of policy:

  1. Personal property coverage. If your personal belongings are damaged or stolen due to an accident covered by your renter’s insurance policy, this coverage will help pay for the cost of replacing them. For example, if your laptop is stolen, your policy will help cover the cost of buying a new one.
  2. Liability coverage. If someone is injured due to something you do or don’t do and sues you for damages, this type of coverage can help cover any related legal fees. For example, suppose a guest slips and falls on your kitchen floor because it was wet from washing dishes and decides to sue you for medical bills. In that case, liability coverage can help pay the costs associated with that lawsuit.
  3. Loss of use coverage. This type of coverage helps pay for any additional living expenses you incur as the result of an accident covered by your renter’s insurance policy—like temporary housing or meals at restaurants. At the same time, your rental unit is being repaired.

If you have any questions about renters insurance and whether or not it might be a good fit for you, call InsureUS today. We proudly serve the Cypress, TX area.

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. 

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