Plumbing Issues: Will Home Insurance Pay?

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

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?

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.

Basic Form vs Special Form and What It Means To Your Texas Business

Many Texas businesses only think about their commercial insurance on three occasions. The first time is when they first purchase it. Of course, they also think about it when they get their bill. The third time may be when they have a loss. Many times the first reaction is “I hope I’m covered.” That is a bad time to ask that question.

There is no reason to live in doubt with a commercial insurance review from InsurUS. We are an independent, Texas based insurance broker. Because we are independent we are not tied to selling the loss prevention products of one company. We can review your policy no matter where you purchased it.

Do you know the difference between basic form vs special form coverage? There’s an important distinction. With basic form insurance, each covered peril is specifically laid out in the policy. If it is not listed, you are likely going to be out of luck if you suffer a loss under perils not mentioned. With special form insurance, coverage is inclusive. That means you will be covered under all perils unless they are specifically excluded in the policy. Most Texas businesses prefer special form due to the wider range of coverage it provides.

Don’t go another day not knowing. Contact InsurUS for a commercial insurance review that can bring peace of mind, and perhaps even savings. Our agents work to find you the best coverage at the most competitive pricing. Try us with your personal insurance with a hassle-free, no obligation online quote for your homeowners or auto coverage. We think you’ll like what you discover.

Discover the powerful role an independent insurance agency can play in your coverage and your costs when you contact InsurUS.

3 Ways Agents Will Help With Car Insurance

Cypress, Texas is a city within Harris County that has a population of more than 120,000. It is located within the Houston metropolitan and has a lot to offer residents and tourists alike. The 77429 ZIP code also boasts one of the oldest dance halls in the state, known as Tin Hall. There is also The Berry Center, which is a conference center, auditorium, basketball arena, and football stadium.

Car insurance is an important component to being able to drive legally on the roads of Texas. You will need to find a policy that provides adequate protection and offers the best price on the market.

By working with independent agents, you can get all the help you need.

Learn About Coverage Options

Car insurance in Texas requires that you maintain at least the minimum level of liability insurance. However, you can choose to go above these liability levels and agents can help you determine what will provide good protection. You can also learn about collision, comprehensive, uninsured/underinsured coverage, and more.

Compare the Companies

Not all car insurance companies are the same. Some will provide roadside assistance while others will not. Some companies are also more technologically advanced, offering online access, mobile apps, and auto bill pay. Our agents can tell you the details on all the companies you are considering.

Get Quotes

The only way to get the best rate is to get multiple quotes. This will allow you to see what each of the companies have to offer so you don’t inadvertently go with the most expensive company simply because you didn’t know what else was out there for you in 77429.

Call our agents today and let us get quotes and help you find a policy in Cypress that you can count on day after day.

Does A Learner’s Permit Affect Car Insurance?

Texas has a lot to offer. There’s a good change of seasons throughout the year, a number of events held to include music, food, wine, and more. Residents enjoy the relatively low cost of housing in comparison to other parts of the country. Many tourists also come into the state from around the world to partake in the many attractions.

Driving can be a task. Depending on where you live, there are many cars and therefore a lot of traffic. Car insurance rates are often calculated by your zip code because the insurance companies look at the population as well as the rate of past accidents to set a precedent.

When you add a learners permit to your policy, it is going to be affected. The permit shows that you have a young driver in your household. They have passed the exam to show they know the rules of the road, but they don’t know all of the dynamics to driving. This means they may change lanes slowly, have problems with backing up or parallel parking, and more.

The insurance company is going to assume a risk for having this driver on your policy. The statistics show that young drivers are one of the most common demographics to be involved in an accident. Even if the child with the learner’s permit never gets into an accident and you have a clean record, it’s still a risk.

This risk is going to translate to a higher cost of insurance in Texas. You can combat this price, however, by taking the time to make some rate comparisons from multiple insurance companies.

Our agents can be called at any time to help you with the search for affordable car insurance with a learner’s permit. We can get quotes so you can do your own comparisons.