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.

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.