History Of Flood Insurance

InsureUS Cypress, TX, offers flood insurance policies, to Texas residents. While Texas does not require homeowners to purchase flood insurance, the State has a history of catastrophic floods. 

History of Flood Insurance

There is a U.S. Constitutional basis for government control over protecting America’s waterways.  In 1824, the U.S. Supreme Court, in Gibbons v. Ogden, ruled that the commerce clause, Article I, Section 8, permitted the federal government to construct and finance river improvements.  Congress then appropriated funds and authorized the Corps of Engineers to remove navigation obstructions from the Ohio and Mississippi Rivers.   Twenty-five years later The Swamp Land Acts became law which transferred swamp and overflows land to state government control.  One project required that the states use money from land sales to build levees and drainage channels on the lower Mississippi River without the use of federal funds.  

Congress continued its efforts in controlling flooding throughout the nineteenth century and the early twentieth century.  In 1913 the flood in the Ohio River Valley killed  415 people, causing about $200 million in property loss.   The public became alarmed, and Congress took more aggressive action authorizing a Committee on Flood Control in 1916 and the 1917 Flood Control Act. 

FEMA

The framework for flood insurance was built for today’s legal basis for flood control and flood insurance. On April 1, 1979, President Jimmy Carter issued an Executive Order, ordering the creation of FEMA, the Federal Emergency Management Agency. FEMA is within the Department of Homeland Security.

NIFP/PRIVATE FLOOD INSURANCE

FEMA flood insurance aid was delivered through the National Flood Insurance Program (NIFP. On March 16, 212 non-Federal flood insurance was allowed to be underwritten by lending institutions to support private flood insurance.

The agents at InsureUS Cypress, TX want to speak to you before the next flood in your area.  Please contact us before the next Hurricane! 

When is RV Insurance Required?

If you are looking to take a long road trip or go camping, one great investment to make would be to buy an RV. When you have an RV, you will be able to ride in comfort and style. While an RV is a recreational vehicle, it is also an asset that comes with a lot of responsibility. For those that are in the Cypress, TX area, one important decision to make is to choose a good RV insurance policy. There are several situations in which having RV insurance is required.

You Drive It

One situation when you will need to have RV insurance is when you drive it on the open road. Similar to any other vehicle, those that are driving an RV will need to have minimum levels of liability coverage. This type of insurance will protect the other driver if you are at fault in an accident. 

You Have a Loan Outstanding

Another situation in which having RV insurance is a necessity is when you have a loan outstanding. Buy a new or used RV is a very big purchase that will normally require you to take out a loan. If you do have to take out a loan to purchase your RV, the lender will want to ensure that their collateral is properly protected. To do this, they will normally require that you have RV insurance in place as long as the loan is outstanding.

If you are in need of RV insurance in the Cypress, TX area, you should reach out to InsureUS as soon as possible. The team at InsureUS can help anyone to better understand their RV insurance needs. You can then pick the policy that is right for your situation. 

How Much Does Boat Insurance Cover?

Your boat is a symbol of success. How horrendous would it be for the thing that represents much of your hard work and diligence to be destroyed? The future may be unknown, but you can work to protect yourself from the total financial loss today. Read on to learn about boat insurance!

What does boat insurance cover?

Boat insurance pays for damages accrued in the event of an accident or another form of disaster. You typically need to pay more for a plan that pays when a natural disaster ruins your vessel. It may also be necessary to pay more if you want a boat indemnity plan that covers more in terms of policy limits.

What about sinking?

Surprisingly enough, some boat insurance plans do not pay for instances where your vessel is destroyed by sinking. It is important to speak with a specialist at InsureUs to ensure that you have the best plan for your watercraft in Cypress, TX.

Is boat insurance just for boats?

You typically think of boat assurance as something solely for boats. You can purchase an indemnity plan to cover other things that operate on the water. Some consumers seek coverage for expensive jet skis. It is better to seek an assurance plan today rather than suffer from a total loss tomorrow.

Does home insurance cover anything?

Your home insurance plan may pay for damages suffered in the instance of your vessel being damaged or destroyed while on your property. A home assurance plan does not, however, pay if your boat is damaged or ruined while attached to a dock. You would need to purchase a boat indemnity plan in Cypress, TX to have that type of coverage.

You have worked hard for your things. Let an expert at InsureUs help you find the indemnity policy that works best for your situation. Call today for a quote!

Why It May Be a Good Time to Update Your Home Insurance

Many times, people get home insurance when they first move into a home and forget about it. However, it may be a good time to update your insurance, especially as we get into the winter months in Cypress, TX. It’s important to review your policy when you make changes to your home and your lifestyle, and if you aren’t making a lot of changes, at least review it once a year. If it’s been a while since you reviewed and have made these changes, take out your policy and contact an agent at InsureUS to make sure you are adequately covered.

Home Remodeling: Major remodeling can increase the value of your home, which would mean that you need more coverage.

Big Ticket Items: If you have big-ticket items, such as artwork, electronics, or jewelry, they may not be covered under your insurance. You want to make sure you have enough insurance to cover those items should anything happen.

You Have Stopped Smoking: Smoking can raise your premiums because the chance of a fire is greater. If you have stopped smoking, you may be able to get a break on insurance premiums.

You Have Retired: Retirement might come with an insurance discount because retirees spend more time at home and can spot the signs of a fire more quickly. Retirees also are less likely to be burglarized and can spend more time maintaining their homes.

You Have Installed an Alarm System: An alarm can make it less likely a thief will break in, which may lower your premium.

You Have a New Pet: It’s not good to keep your pet a secret, even if you are worried that your rates may go up, because you want to make sure you are covered if your dog bites someone on the property.

You Have Added a Swimming Pool: A swimming pool can increase your liability risk, so it’s necessary to make sure that you are covered and maybe add some additional insurance.

Contact InsureUS, serving Cypress, TX, to get a quote on homeowners insurance. 

 

Insuring Your Retail Store

Commercial insurance packages are an essential part of any business’s long-term success plan. Retail stores, however, rely on specific insurance policies to protect them in some key areas. InsureUS is an expert in insurance policies for Texas businesses. How can the right commercial insurance coverage help keep your retail store in the Cypress, TX area profitable?

  • Inventory is the lifeblood of every retail outlet. If you lose a large portion of your product due to theft, accident, or natural disaster, will you be able to replace it all? Opt for a policy that includes inventory insurance coverage to prevent misfortunes from forcing you out of business. Payouts for these policies also cover the cost of supplies and equipment you need to deliver your services or products.
  • What happens if your product is the problem? If a customer is hurt or sickened by a product from your store, you may be held liable for at least part of the damages. Product liability coverage pays for any financial responsibility you incur from a case related to products sold in your store. 
  • When you need to close down for repairs, you don’t have to eat the lost profit potential. Business income coverage pays you when you can’t be open. These payments can be used to pay personal living expenses during enforced closures.
  • Customer injury is a big problem for retail outlets. With medical bills, lawsuits, and possible punitive fees, owners can find themselves dipping into their personal wealth to save their business. A commercial general liability policy helps entrepreneurs pay for court costs and medical care, so random mistakes don’t endanger your livelihood.

More than other business types, retail stores need a strong commercial insurance package to protect their inventory, property, and people. Do you have enough coverage? Contact InsureUS for personalized insurance guidance for your Cypress, TX area business.

How getting married affects car insurance

This blog explores how getting married affects car insurance rates and coverage. In addition to lessening the likelihood of developing dementia or heart disease, getting married can lower your car insurance premiums. Insurance companies love statistics and statistics show that married couples simply have fewer car accidents. No one knows for certain the why behind this. Theories abound. The theories include married people drive less and they’re more stable and less risky. One study conducted in New Zealand drivers who never-married had twice the car accident risk of married drivers. For this reason, getting married usually results in a discount on auto insurance – even for males younger than 25 who normally get stuck with the highest premiums. To maximize your benefits, discuss your plan with your InsureUS representative in Cypress, TX. They can help you determine which method works best for lowering your rates. You could:

  • combine auto insurance policies,
  • add your spouse as a secondary driver,
  • add your spouse’s vehicle to your policy,
  • not add your spouse at all.

That last one may seem confusing, but if your spouse has a poor driving record, for example, a DUI or speeding ticket, adding them negatively affects your policy. Also, don’t combine if one of you recently experienced a gap in insurance coverage. A divorce results in the loss of these discounts.

We’re not saying run out and get married to lower your car insurance but do come talk to us at InsureUS in Cypress, TX a few weeks before or after your wedding. Also, come chat if you don’t already have combined or multi-policy car insurance and already married.

How Much Auto Insurance Do You Need?

Here in Cypress, TX, you need to make sure that you at least have the minimum required auto insurance as dictated by state laws. However, here at InsureUS, we know that this amount is not always the best indicator of determining exactly how much you need in coverage. There are several things to consider when you are getting auto insurance and ways to lower the cost as long as you have the minimum coverage required by law. 

The first thing that you want to consider when you are determining how much auto insurance you need for your vehicle is the cost to replace or repair your vehicle. If you have a vehicle that is a new model or even one that is a bit more expensive than your average vehicle, you want to at least have coverage that can replace your vehicle if it were to be totaled or to repair it if you are in an accident. Next, you want to make sure that you can cover the deductible on the coverage. You should think about the deductible amount and make sure that you can pay that at the drop of a hat. If you cannot, you may want to lower the deductible on your coverage. If you can, you may want to increase the deductible for as much as you can pay for out of pocket because this will lower your monthly amount. 

If you are in the market for auto insurance and want to make sure you get the right amount above the minimum requirements, be sure to reach out to us here at InsureUS, serving Cypress, TX. We will make sure that you get the policy that meets your needs and also fits well within your budget and law. 

Can I use my home insurance for my home business?

Especially with how easy and inexpensive it is to have access to equipment like printers and copiers now, many small business owners in Cypress, TX are choosing to operate from home in order to save money. A lot of them assume that the homeowner’s policy will cover whatever happens in the home, but unfortunately a lot of the time this will probably not true. A policy that you obtain through InsureUS or another insurance company will have limitations and exceptions, and most policies have rules about how the property will be used. This makes sense because different kinds of ventures carry different kinds of risks, and insurance is about risk assessment.

If you have a physical office space, you may want to talk about property and liability insurance. Some of the most important things to protect are your equipment and records, and you may have some expensive electronics that allow you to work from home. These may include computers, furniture, and other items specifically for your home office.

Liability insurance is also important. If clients come to your home business in Cypress, TX, they could fall and become injured on your property, or become injured in another way. Also, if you are making a product or providing a professional service, you want to be protected from liability if someone becomes injured using your product or taking your professional advice.

The good news is that you may be able to offset some of the costs by claiming them as business expenses. If you have a home business or are thinking about setting one up, call InsureUS today so we can help protect you,

Full coverage vs. liability auto insurance: Which do you need?

There are some in society who are more than self-reliant and financially stable. Such persons are typically millionaires and can pay out thousands at the drop of a hat if they are involved in an at-fault accident. The rest of humanity, or at least those drivers in the United States, need an auto indemnity plan that covers costs associated with incidents on the road. InsureUs is your number one choice when you need car assurance in Cypress, TX, but what type of plan should you choose?

The Pros and Cons of Liability Insurance

Liability insurance is typically recognized as the bare minimum. The coverage ensures that your portion of financial responsibility is paid out in the instance of an accident. A liability plan does not, however, provide you with much protection. You cannot claim damage to your vehicle if you run down a stop sign. You can, however, expect the insurance agency to pay for costs associated with replacing the sign. Liability insurance comes at an economical rate, which is why many drivers are attracted to the option. Consumers financing cars typically do not have the choice to select liability coverage. 

The Advantages and Disadvantages of Full Coverage

Full coverage insurance is often the number one choice for new car owners in Cypress, TX. This plan usually comes with comprehensive and collision options that pay for everything from damages caused by inclement weather to vandalism. You can rest assured, in most cases, knowing that your car is covered regardless of whether a tree falls on it or a runaway animal cage puts a dent in your driver’s side door. Full coverage is the ideal choice when you want complete peace of mind. 

While there is always the option to go for the cheaper alternative, choosing full coverage is the better option when you want to make sure that you are insured. InsureUS can help you discover the best plan for your financial situation. 

What Are the Benefits of Having a Security or Landscape Lighting System?

Landscape and lighting go hand in hand when you are trying to beautify, as well as protect, your home. In Cypress, TX, the agents of InsureUs are constantly working with their clients to make sure they understand the many ways they can minimize their potential risk and improve their home security.

Landscape Lighting

Landscape designers use ambient lighting to spotlight focal points. In the process of illuminating your landscaping, it also sheds enough light to be able to identify possible intruders that may be lurking around your property. When landscaping is placed directly beneath or adjacent to windows or other entryways, the additional lighting is a deterrent for potential criminals who may be looking for a way into your home. The lighting doesn’t have to be overpowering to be effective and can be set up to turn on and off through the use of a motion sensor.

Increased Security

The type of materials and foliage you include in your landscaping can also make it difficult for intruders to gain access to your home. Trellises, thorny bushes or prickly succulents are ideal if you want an added layer of protection. When coupled with the benefits of ambient lighting, both can be extremely effective at turning away intruders. Landscape designers work to help homeowners create beautiful, landscaped areas that double as protective barriers against both human and animal intruders.

If you live in the Cypress, TX area and are interested in learning about more about ways to increase your home security, call the agents of InsureUS. They can help you to identify different ways that you can use to protect your home and family from financial loss. Call their office today to schedule an insurance evaluation.