HOME INSURANCE

Protecting your assets and loved ones is our top priority. Our team will work closely with you to understand your requirements and budget, ensuring that you receive the best possible quote tailored to your needs.

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We are committed to making your insurance experience easy and convenient. Safeguard your future with Insurance Agency.

WHAT YOU GET.

COVERAGE A

DWELLING INSURANCE

Dwelling coverage includes attached structures on the residence premises used principally as a private residence. It helps you pay for the repairs or rebuilding of your home’s physical structure when a covered incident damages it. Typically physical aspects of home-like walls, floors, roof, windows, support beams, and foundation are covered. The wall-to-wall carpeting attached is considered part of the dwelling.

COVERAGE B

SEPARATE STRUCTURES

We cover other structures on the residence premises separated from the dwelling or connected to the dwelling by only a fence, utility line, or similar connection. We do not cover separate structures used in whole or in part for business purposes. We do cover separate structures used solely as a private garage and rented or held for rental to a non-tenant of the dwelling. Wall-to-wall carpeting attached to a structure is considered part of the structure.

COVERAGE C

PERSONAL PROPERTY

We cover personal property owned or used by an insured anywhere in the world.

COVERAGE D

LOSS OF USE

Additional living expenses paid when covered loss makes dwelling uninhabitable. Loss of rents paid when covered loss makes dwelling uninhabitable.

COVERAGE E

PERSONAL LIABILITY

We shall pay all damage up to the policy limit from an occurrence which an insured is legally liable to pay because of bodily injury or property damage covered by this policy. At our expense we shall defend an insured against any covered claim or suit. We may investigate and settle any claim or suit that we consider proper. We shall not defend or make any payments after we have paid the policy limits for the occurrence.

COVERAGE F

GUEST MEDICAL

Guest Medical coverage pays the necessary medical expenses up to the policy limit incurred by a person other than the insured or any resident of the household within three years from the date of an occurrence causing bodily injury.

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HOME INSURANCE

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Llama al: (281)-606-0750

FREQUENTLY ASKED QUESTIONS.

What determines the premium of my primary liability coverage?

This is determined based on years of experience for the driver, a record of MVR ( motor vehicle report of the drivers ), years of experience of a trucking company, parking of the trucks ( out of big city parking ), losses history ( loss run).

Do late payments affect my insurance? If yes, how?

If your payment is late the finance company will charge usually 200$ more.

What if my policy lapsed?

They reinstate it for 30 days.

If I cancel coverage or my policy, how long it take for me to receive a refund?

if you have liability due to filing it will take 35 days and cargo after 7 days.

If I have to file a claim, how long will it impact my insurance?

When you file a claim always affect your premium at the renewal with your current insurance company, and if we do quote with another insurance company they will ask for a loss run (claim history for the last three years).