Products
Are you properly covered?
Our agents will review your current policy to see if you are properly insured and will make recommendations that may save you money and from a potential loss. Below are a list of some of our available coverages
and  general insurance terms. 
Ask your agent for more detailed information.

Auto

It's The Law!

As a Texas driver, state law requires that you purchase and maintain auto insurance as an indication of your proof of financial responsibility. In fact, you will not be able to register your vehicle with the state without furnishing proof that your vehicle is currently insured in your name.

Texas Minimum Liability Insurance Limits:
As in other states, there are minimum levels of auto insurance coverage that are mandated by Texas law. A qualifying auto insurance policy must have:
$30,000 in bodily injury coverage per person
$60,000 in bodily injury coverage total per incident
$25,000 in property damage coverage per incident
The amount of coverage that you buy and the deductible figure associated with your policy will strongly affect how much auto insurance will cost.  State law does not require you to purchase additional insurance policies (such as uninsured/underinsured motorist coverage). But Texas is a tort state, which means that someone will be found liable for every accident, as well as the resulting injuries or damages. And if you are victimized in a collision caused by an uninsured driver, then your expenses may not be fully covered unless you have supplementary insurance.

Proof of Auto Insurance:
Once you acquire auto insurance, you will need to carry proof that you are insured whenever you drive in Texas. In most cases, your insurance company will furnish you with an insurance card that contains all pertinent information about your auto insurance policy.
If you are not in possession of proof of insurance at all times while you are driving, you could face fines up to $350.
Furthermore, if you are found guilty of a second offense, your driver's license could be suspended and your fine could reach up to $1000.

Auto Insurance Verification in Texas
Because of the financial burden that uninsured drivers place on the taxpayers of Texas, the state has taken steps to document all drivers who are covered by auto insurance and compile this information into a database.
This program is called TexaSure, and it allows law enforcement offices and other agencies to enter a vehicle's license plate or identification number to determine whether its owner is properly insured. TexaSure prevents uninsured drivers from circumventing proof of responsibility laws by carrying an expired or fraudulent auto insurance card.

Texas Auto Insurance Discounts
If you are concerned about the cost of an auto insurance policy, there are numerous ways to earn discounts on your insurance premiums. Some of these include discounts for:
Maintaining a safe driving record
Avoiding traffic tickets or citations
Completing a state-certified Defensive Driving course
Reducing the number of miles you drive annually
Listing more than one vehicle on the same insurance policy
Acquiring your auto insurance policy from the same carrier who handles other insurance policies that you currently have
Equipping your vehicle with various anti-theft devices
Driving a hybrid vehicle
Earning good grades in school (for drivers enrolled in high school or college)
You should check with your insurance company to see which discounts are offered and how you may qualify for them.
In addition, a few insurance carriers offer a method to reduce your premiums by recording your individual driving habits. This is accomplished by installing a device in your vehicle that records driving-related data over a certain period of time. If the information shows that you are a lower-risk driver, then your premiums will be reduced accordingly.
If you want more information about acquiring auto insurance in Texas, you can visit the Texas' Department of Insurance website.

Comprehensive:
Physical damage for all the things that can happen to your vehicle other than a collision will be covered by comprehensive coverage. Full coverage cannot be possible without comprehensive coverage. Fire, theft, vandalism, storm damage, hitting a deer, windshield coverage, and more are covered by comprehensive.

Collision:
Collision coverage is the coverage that gives you the broadest protection and is always included in full coverage auto insurance. Collision coverage ensures your vehicle will be covered regardless of what causes the damage. Collision covers damage for all accidents and since collision cannot be purchased without comprehensive coverage anything other than an accident will still be covered.

Medical Coverage / Personal Injury Protection: 
Many policies come available with the option to purchase Medical coverage or PIP.
It is important to check the language in your policy.
PIP could cover the following:
Injuries to You
Injuries to Your Passengers
Injuries to You as a Passenger In Another Car
Loss of Income
Service Replacement of Someone Injured in a Covered Car Accident
Rehabilitation Costs
Funeral Costs

Rental Car Coverage:
If you are ever in a car accident and don't have access to a back-up car, a rental car is a necessity. An optional coverage on your car insurance is car rental coverage or it is sometimes referred to as increased transportation limits. The coverage helps cover the expense of renting a car. The coverage is displayed using two numbers.  (amount per day/total amount covered)
For example, if you have car rental selected on your policy it may be listed as 30/900 or 50/1500. The first number represents the amount available to pay out daily and the second number represents the total amount paid over 30 days. If your car rental coverage is 30/900 and your car rental costs $35 a day, you will be responsible for $5 a day.
Rental Coverage Only Applies After a Covered Loss
Car insurance coverage that pays for renting a car is only useable if you have a covered loss. Your car must be undrivable due to a loss in order for the coverage to pay out. It does not cover mechanical maintenance repairs or if you are going on vacation and need a rental car.

Towing or Roadside Assistance:
Millions of vehicles are towed in the US each year. Nearly every car owner has needed at least one tow in their lifetime. Towing fees can be costly if you do not have roadside assistance or an emergency fund. Many people do not realize tow services include more than transporting a vehicle from one place to another. The fees charged by tow companies can vary depending on your circumstances, where you live, and the tow company. Roadside Assistance programs cover assistance in case you breakdown and need towing or you lock your keys out of your car or your car battery dies or you run out of gas. Ask your agent for more details.

OEM Endorsement:
If you have never had an auto insurance claim, you may not be aware insurance companies do not use parts straight from the car manufacturer. Aftermarket parts and used parts are used to repair vehicles. Upon request, some insurance carriers offer an additional coverage to get OEM parts, do not plan on it being included with full coverage.

Full Glass Coverage:
Glass damage is automatically covered when you choose full coverage insurance because it would fall under comprehensive coverage. However, if you opt for a high deductible on comprehensive it could wipe out your glass coverage. Full glass coverage you pay a higher premium to get no deductible or at least a lower deductible for glass claims only. Check into full glass coverage if you go with a deductible on comprehensive coverage.

Vanishing Deductible:
If the insurance carrier you select offers vanishing deductibles, be aware the coverage usually does not automatically come with a full coverage policy. It is typically offered for an additional cost which would need to be added to your policy before a loss occurs.
Be careful when it comes to using the phrase full coverage auto insurance. Since it can be taken to mean different things, you really need to be specific when selecting coverage.

Uninsured Motorist / Underinsured Motorist:
This coverage covers you in case you are involved in an accident and it is the other party's fault and they are uninsured or underinsured, the deductible is normally lower than a standard comprehensive or collision deductible.

Gap Insurance:
Gap insurance covers the difference (the gap) between what your vehicle is worth and how much you owe on the car. Gap insurance comes into play if your car is stolen or totaled (damaged to the point that repair would cost more than the car is worth) before the car is paid off.
How gap insurance works:
Let's say you buy a new car for $20,000. You put $500 down and your payments are $350 per month.
Six months after buying your car, it is involved in an accident and totaled. 
The insurance company determines that your six-month-old car is now worth only $15,000. They will pay you that amount (less your collision deductible if the accident is your fault). You've made six monthly payments plus your down payment, for a total of $2,600; you still owe $17,400 on the car. In a case like this, gap insurance would pay the $900 difference between what collision insurance covers ($15,000) and what you owe on the car ($17,400). If you did not have gap insurance, the extra $2,400 would come out of your pocket. (Note however, that if your insurance company determines that your deductible applies, paying the deductible is your responsibility -- gap insurance won't cover it.)
Gap insurance and leasing
In the case of a lease, even though you aren't buying the car outright, you are responsible for the cost of the car if it is stolen or totaled.
Because lease payments tend to be significantly lower than purchase payments the difference between what you have paid and the value of the car can be a substantial amount of money. Therefore gap insurance is much more critical for a lease. In fact, many lease contracts require gap insurance.
Gap insurance and financed purchases
For buyers, gap insurance only makes sense if you expect to be "upside down" on the car (a situation in which you owe more than it is worth).
If you made a low down payment, if you bought a car that depreciates rapidly, if you have a high interest rate or if you rolled over other costs into your new car payments (such as money you still owed on car you traded in), gap insurance makes sense. Most buyers, particularly those who made a healthy down payment, will always be right-side-up on the car, and therefore don't need gap insurance.
Who should buy gap insurance:
People who are leasing a car or who expect to owe more than the car is worth for a significant amount of time should definitely buy gap insurance.

Commercial Auto

Liability:
We offer limits up to $2 million- plus, we transmit state and federal filings promptly to get you in business fast.

Physical Damage:
This coverage is for the damage to the vehicle and has a Comrehensive and Collision Deductible.

Non-Trucking Liability:
When truckers are under permanent lease to a motor carrier that provides their Primary Liability coverage, Non-Trucking liability provides liability coverage while they use their truck from most non-business, personal use such as moving the truck while off the clock and not carrying any cargo.

Motor Truck Cargo:
This coverages helps truckers cover the value of the cargo they haul as well as additional costs, such as debris removal, earned freight charges and more with separate limits and no additional deductible.

Motor Trucking General Liability:
Helps truckes meet contractual requirement with GL-which pays for damages caused by them when they are not behind the wheel.

Rental with Downtime:
Helps truckers get a temporary rental if their vehicle's down due to covered cause of loss; if a replacement can't be found, it pays them up to the daily maximum limit to help them cover expenses-even if they can't work.

Motor Truck Cargo Refrigeration Breakdown
Provides truckers with legal liability protection for a loss due to accidental breakdown of refrigeration or heating units.

We can also write the following Physical Damage coverages with or without Liability coverage:
*Permanently Attached Equipment:
Provides additional coverage for equipment, such as loaders and tarping systems, when included in the stated amount.
*Comprehensive Only:
Makes it easy for customers to continue limited coverage while storing a vehicle during the off-season.
*Trailer Interchange:
Provides Physical Damage coverage to any non-owned trailer a trucker is using-0 normally required when hauling a trailer under a Trailer Interchange Agreement.

Acceptable Vehicles for our Commercial Auto Program:
* Tractor Trailer combinations
* Dump Trucks
* Log Haulers
* Roll-offs
* Garbage Trucks
* Service Vehicles and more

General Liability

Business liability insurance coverage is something most business simply must have, so it is essential that you understand what it does and doesn't cover.

Here are some general liability insurance coverage rules of thumb.
To be sure about your specific business needs, be sure to consult with your insurance agent.

What’s typically protected by Business General Liability:
This coverage safeguards against many known and unknown risks. Commercial liability insurance coverage protects you, your business and your employees from claims involving bodily injury or property damage, up to the limits of your policy.
Policies shield you from the expense of out-of-court settlements, litigation and judgments awarded by courts.

Lawsuits, investigations and settlements
If damages are filed against you or you’re sued, general liability insurance covers the insurance company’s investigation and attorney expenses, any judgment or settlement, medical expenses in case of injury and bonds if they must be subsequently posted.
Injury damages
Claims can arise from bodily injury or property damages resulting from accidents on your premises or from your products, your operations or advertising for your business.
Miscellaneous
Liability insurance can also cover things you may not have thought about, such as advertising injury in the event your company’s marketing violates someone’s copyright.

Commercial General Liability Programs include:
Adult Day Care
Alarm Installers
Amusement Rides
Apartments
Bar/Tavern
Building Demolition
Catering
Churches
Clubs - Civic, Service or Social
Commercial Property Owners
Condominium and Homeowners' Association
Convenience Stores
Counseling Centers
Day Care Facilities
Flea Markets
General Contractors
Halfway Houses
Home Health Care
Hunting Clubs
Lessor's Risk
Liquor Liability
Manufacturers
Mercantile Classes
Mobile Home Parks
Motels/Hotels
Offices
Outfitters & Guides
Pawn Shops
Refuse, Garbage Collection
Rental Dwelling Program
Restaurants/Delis
Security and Patrol Agents
Shopping Centers
Special Events
Swim & Racquet Clubs
Truckers
Welders


Equipment

Equipment Insurance can be written on a stand alone policy for:
Tractors
Backhoes
Trailers
Lawn Mowers
Miscellaneous Tools

Homeowners

Home Insurance:
Home Insurance protects an insured from financial loss caused by disasters. A homeowner’s policy usually combines the following six coverages in one single policy: dwelling, other structures, personal property, personal liability, loss of use, medical payments to others. Flood damage due to rising water, however, is not covered by the home insurance. The insured must purchase a separate policy for flood insurance, which is provided by the National Flood Insurance Program through several participating insurance companies.

How to Save Money on Home Insurance:
Review policy for not over-insuring replacement cost on dwelling and personal property
Raise the wind deductible or all-other-perils deductible or both
Ask for discounts/credits you qualify for such as home/auto discount, local or monitored burglar/fire alarm, smoke alarm, fire sprinkler system, senior citizen, no claims for a number of years
 
Dwelling Coverage:
Dwelling pays for damage or destruction to the dwelling on the “residence premises” listed on the declarations page and also to the structures attached to the dwelling. Residence premises includes one-, two-, three-, or four-family dwelling. The land at the residence premises is specially excluded from property coverage since land is not susceptible to most of the perils that cause damage to the building and other property, and the value of the land should not be included when determining the amount of insurance to purchase.
 
Other Structures:
Other Structures applies to other structures on the residence premises that are not attached to the dwelling and are separated from the dwelling “by clear space”. Examples of other structures include storage sheds, detached garages, fences, and swimming pools. The standard limit for Other Structures is 10% of the Dwelling limit.
 
Personal Property:
Personal Property pays for theft, damage, or destruction of the policyholder’s personal property which includes items that the policyholder owns or uses. The standard limit for Personal Property is a % of the Dwelling limit and can be increased for an additional premium. It is a good idea to do an inventory of everything in your home by keeping receipts, taking pictures or video taping since this can be used as proof to replace damaged or stolen items covered by the policy.
 
Loss of Use:
Loss of Use pays for additional living expenses (temporary housing, food, and other essential expenses) if the residence premises where the insured resides are damaged so badly that they are “not fit to live in” during repairs.
 
Personal Liability:
Personal Liability protects an insured against financial loss if he/she is sued and found legally responsible for someone else’s bodily injury or property damage. The liability limit automatically provides $25,000 in coverage but can be purchased up to $1 million for an extra premium.
 
Medical Payments to Others:
Medical Payments to Others provides coverage for necessary medical expenses incurred by others (not an insured) within three years of an injury.
 
Deductible:
Deductibles are the amount an insured must pay out of his/her own pocket before the insurance company will pay on a claim.
There are seperate deductibles for Wind & Hail and All Other Perils.

Texas FAIR (Fair Access to Insurance Requirements) Plan:
Texas FAIR (Fair Access to Insurance Requirements) Plan is the state-run program that provides basic property insurance coverage on buildings, dwellings, and their contents for property owners who are unable to obtain coverage in the standard insurance market. 

Texas Windstorm Insurance Association
Texas Windstorm Insurance Association is the state-regulated insurance pool that provides Wind Coverage.  Wind Policies are sold seperately to a standard home insurance policy if you are in a county touching the Gulf of Mexico and covers only losses due to Wind Perils. Wind coverage is normally excluded on a standard home insurance policy in Tier 1 which is the 1st County Touching the Gulf of Mexico in Texas. Examples of Couties that apply are Jefferson, Chambers, Galveston, Brazoria, Matagorda, Calhoun, Aransas, San Patricio, Nueces, Kleberg, Kenedy, Willancy, Cameron.


Flood

The National Flood Insurance Program aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners and by encouraging communities to adopt and enforce floodplain management regulations. These efforts help mitigate the effects of flooding on new and improved structures. Overall, the program reduces the socio-economic impact of disasters by promoting the purchase and retention of general risk insurance, but also of flood insurance, specifically.

Examples of Preferred Risk Coverage Premiums with deductibles of $1250/$1250 in a Non-Flood Zone:

Dwelling/Contents       Premium:
$100,000 / $40,000       $349.00
$125,000 / $50,000       $366.00
$150,000 / $60,000       $389.00
$200,000 / $80,000       $425.00
$250,000 / $100,000     $450.00

Renters

The HO4 Policy or Renters Policy Covers Personal Property inside the Dwelling, not the actual Dwelling.
This policy is for renters who rent a home or apartment.  It includes personal property coverage up to your specified amount and could also include personal liability and medical payments to others.


Condos

Condo insurance generally helps protect your unit against a number of perils, such as fire, theft or vandalism.
A typical condo policy offers protection in three areas:
Building Property Protection — This type of coverage typically helps protect the walls of your condo unit and its interior, which could include items such as built-in bookcases and fixtures.
Personal Property Coverage — From your electronics and appliances to clothes and books, there are plenty of personal items in your condo that you may want insured in the event of loss. Because personal property is typically not covered by an association's master policy, condo owners usually must purchase individual policies that include this type of coverage.
Personal Liability Coverage — If someone is accidentally injured while visiting your condo, this coverage can help protect you in the event that you're named in a lawsuit, according to the III. It may also help cover your guest's medical bills. Keep in mind that limits are usually associated with condo liability coverage, which means the policy will likely provide coverage up to a certain amount.
Condo owners can typically choose from different levels of personal property coverage, according to the III. They include:
Actual cash value, which is a form of protection designed to help you replace your belongings after depreciation is factored in.
Replacement cost coverage, which may help you replace belongings without taking depreciation into consideration.

Rental or
Vacant Property

If you have an investment property that you rent to a tenant, you may be interested in a Texas Dwelling Policy.
There are different policy forms including the TDP1, TDP2 and TDP3.  This policy covers the dwelling of the property and usually excludes contents unless you want to add it, some might consider adding contents if the contents in the rental property is furnished. A tenant is then responsible for covering their personal property with a Renters Policy.

If you have an investment property for sale or a vacant property, you would chose to insure this dwelling with a Vacant Property Policy or a Builders Risk if the property is under construction.  Having the correct policy will insure that you are covered at the time of a loss.

RV Insurance

RV Insurance covers a variety of vehicles that include all types of recreational vehicles, trailers and fifth wheels. It offers the standard auto insurance items such as personal and property liability coverage to complement its RV insurance plans. Emergency roadside assistance and other support services are available in the US and Canada.  

Coverages available:
Bodily injury and property damage liability
Uninsured or underinsured motorists
Medical payments
Comprehensive and collision options
Market value
Agreed value
Total loss replacement cost
Full-timer’s package
Personal liability – for bodily injury and property damage for incidents you are held liable.
Medical payment to others – up to $50,000 for medical expenses of others who are involved in an accident on the property occupied by the RV used as a permanent or primary residence.
Loss assessment – up to $5,000 for certain assessments while he owns or is a tenant of a property.
Storage shed content – up to $5,000 for contents locate in a shed owned, leased or rented by the insured at the time of loss.

Boat Insurance

Boat insurance that protects your freedom too.
We want you on the water actually enjoying your boat.
That’s why we make it as easy as possible to get insurance and stay protected almost anywhere you boat.

With our boat insurance policy, you’re automatically covered on all lakes and rivers in the U.S. and Canada plus ocean waters within 75 miles of the coast.

Boat liability insurance is simply a mixture of boat insurance with liability insurance. It provides the benefits of boat insurance with the benefits of liability insurance. What this means is that when your boat is liable for damages to another boat or person your insurance will cover the costs.

Motorcycles


Motorcycle insurance provides financial protection in the event of a motorcycle accident, loss, theft or damage.
Motorcycle insurance includes liability coverage in case you are responsible for another person’s injuries or property damage.

We offer a variety of coverage options in addition to the required liability coverage.  If you own a motorcycle, consider purchasing collision, comprehensive, uninsured/underinsured motorist, and roadside assistance coverage.

Liability (Bodily Injury and Property Damage): If you’re found to be at fault in an accident that results in injury to others or damage to their property, this will cover the costs, including any lawsuits filed afterward.

Comprehensive: Covers damage to your bike from non-accident-related incidents, such as theft, fire, vandalism, or severe weather. Optional in all states.

Collision: Covers the cost of repairs if your bike is damaged in an accident. Optional in all states.

Guest Passenger Liability: Covers the cost of injuries and property damage to anyone riding on the back of your bike during an accident.

Medical Expenses (First Party Coverage): Covers your medical expenses if you're injured in an accident. While your health insurance should also kick in, this coverage can go toward co-pays or your deductible.

Uninsured/Underinsured Motorist: Covers any losses in an accident where the other driver is at fault, but they don’t have insurance, or don’t have enough insurance to cover your costs.