Custom Insurance Brokerage
Personal Auto Insurance Facts
Is auto insurance required?
Texas law requires you to have liability coverage. If you still owe money on your car, your lender will require you to have collision and comprehensive coverage.
When you buy an auto policy, your company will send you a proof-of-insurance card. You must show this card when you:
are asked for it by a policy officer; have an accident; register your car or renew your registration; get or renew your driver’s license; and have your car inspected.
Auto insurance is essential today – every family has one or many more vehicles to protect from the hazards faced every day that we drive.
what specific coverage are required by the state to be carried?
Liability - to cover property and injury claims from a covered accident. State minimum is 30/60/25 .
Medical Payments or Personal Injury Protection – to cover those injured in your car.
Uninsured/Underinsured – to cover you and your passengers if an at-fault car doesn’t have insurance.
If your vehicle is financed, you may also be required to carry auto insurance that covers Property Damage to your car – both Collision and Other-Than-Collision coverage.
There are also multiples types of auto insurance in this category:
Antique, Classic & Customized
Personal Property Insurance Facts
Why is home insurance confusing?
Home insurance can be a confusing subject, but it is important to understand some basic home insurance facts. Handling your insurance correctly can save you hundreds in premiums and ensure that your property is well protected. The differences between policies come down to the details. Exactly what type of compensation does the policy provide for your property, and what types of damage does it protect against.
A standard home insurance policy covers the home and your belongings, as well as your liability for any injuries or property damage you, your family members or pets may cause others. It also may provide additional living expenses in case you can't live in the home while it's being repaired after an insured disaster.
Home insurance also covers property owned by a policyholder that may be used away from the home setting – which means not having to carry a separate coverage just for those instances – consider students living away from home while attending school with this type of insurance.
What are some of the different types of home insurance?
Scheduled Personal Property
Not all damage is covered by home insurance. If damage results from your failure to properly maintain the property, the insurance company may deny a claim that results from that poor maintenance.
Standard home insurance policies don't cover floods or earthquakes. You must purchase separate policies to get coverage for those disasters. Your mortgage lender may require you to buy insurance through the National Flood Insurance Program if you live in a flood-prone area.
In some coastal areas, home insurance policies exclude damage from wind. Homeowners would require a separate policy to cover wind damage. Earthquake insurance is available as an option, and is recommended in areas with significant seismic activities.
Home insurance is a personal line of insurance as opposed to business property insurance that covers commercial enterprises.
let us help protect your valuables from disaster with home insurance.
Health Insurance Facts
Can't afford to be sick?
Getting sick can be expensive. Even minor illnesses and injuries can cost thousands of dollars to diagnose and treat. Major illnesses can cost many times that. Health insurance helps you get the care you need and protects you and your family financially if you get sick or injured.
How do I get health insurance?
You can get health insurance: through your job, if your employer offers it; by buying a plan offered by a group like a membership association, union, or church; by buying it from an insurance company or through our brokerage;
by buying it through the federal health insurance marketplace; or through a government program like Medicare or Medicaid.
Insurance you get through your job or an association is called group insurance. You must be a member of the group to get coverage. Most people get health insurance through their job, but not all employers offer it.
Insurance you buy directly from a company or the marketplace is called individual insurance because it’s sold to individuals, not to members of a particular group. For lists of companies and health maintenance organizations (HMOs) that sell individual health insurance in Texas, give us a call to learn more.
Care options and costs: Your primary care doctor is the best option for managing your overall healthcare needs, including your annual exams. But what about emergencies, an after-hours fever, or a flu shot?
Appealing a health care claim that was denied: We explain your options if your health plan won’t cover a service.
Surprise medical billing: Balance billing – or a surprise medical bill – happens when you get a bill from a doctor, hospital, or other health care provider who isn’t part of your health plan’s network. Often, consumers didn’t know they were getting care from out-of-network providers.
Give us a call so we can help you navigate securing proper coverage within your budget.
Personal Umbrella Insurance Facts
What Is Umbrella Liability Insurance?
Umbrella liability insurance is additional liability coverage that anyone can purchase to cover them in case other liability insurance falls short or does not apply. It provides benefits when your underlining liability policy has reached its limits, yet claims against the insured are higher than such limits.
Life continues to get more complex; as it does, so does the chance of being held liable for another person’s injury. Honest accidents happen every day in Texas; however, with rising medical costs, lawsuit numbers have increased as well. As a result, umbrella personal insurance has become an important supplement to other insurance coverage. Although not everyone may need umbrella coverage, for those who do, a policy provided by an experienced personal umbrella insurance provider could make the difference between having enough liability coverage and facing a lawsuit.
What Does Umbrella Liability Insurance Cover?
An umbrella liability policy is a personal insurance that covers for liability after other applicable and primary policies are exhausted. Umbrella policies also provide added coverage for legal defense and may cover some lawsuits and claims that other policies would deny. Because it provides expanded coverage, umbrella insurance should provide coverage for things that other liability insurance covers in addition to other more specific, personal life activities. Umbrella policies do have exclusions; if necessary, those should be covered under a rider.
Who Needs Umbrella Liability Insurance?
Considering how easy it is to face a lawsuit today, personal insurance that includes umbrella coverage is highly recommended for anyone with a greater liability risk, with assets to protect, who is expecting an inheritance, or otherwise has a substantial income or the potential to earn one. For a small fee each year, individuals gain protection that could prevent the loss of valuable assets should they be found liable for someone else’s injury.
Umbrella insurance can be purchased as a standalone policy or as a rider on other insurance policies. In either case, it is important to note that this additional coverage is only available to those who are already covered by higher liability limits on their auto, home, and other insurance policies. At this point, additional coverage can usually be purchased in one million dollar increments. It is important to note that applicants can be turned down for this umbrella insurance based on previous claims, a poor driving record, a home residence that is in poor condition, and other reasons that suggest that an applicant is a poor risk.
Many times people may worry that they do not have enough liability insurance for the perils that life can bring. For those concerned that their personal insurance may not be sufficient, adding umbrella liability insurance can help.
Give us a call to learn more about this type of insurance coverage. We are here to help.
Term/Whole Life/Universal Life/Annuity Insurance Facts
How close do you know your life policy?
Life & disability insurance is a package of insurance that is designed to offer peace of mind to a policyholder that loved ones will not be financially burdened in the case of either a disabling/terminal illness, injury or the death of the covered person.
What are some of the factors that are used to determine premium cost for life & disability insurance?
Past medical conditions
No one wants to think about leaving their family behind with debts and expenses left to cover. Getting life insurance means protecting your loved ones in the event the unthinkable happens. It also gives you a peace of mind knowing that a Life Insurance policy will provide assistance covering any medical bills or expenses you may leave behind.
What are the different kinds of life insurance?
Temporary Insurance – Term insurance that is written for a specific period of time.
Permanent Insurance – Insurance that remains active until the policy matures and cannot be cancelled so long the premiums are paid as scheduled.
We work with multiple insurance companies to provide you with the right coverage option within your budget.
Why Should you consider annuity insurance?
Annuity can be a great instrument to secure future immediate or future scheduled income for you, family or for commercial needs. It can provide safer interest bearing benefits that help grow your funds better than a traditional savings bank account can do.
We have fixed annuity options that can help maximize your retirement portfolio. Our available options also have a host of additional benefits that is worth exploring.
Why should you let us help you with this important part of safeguarding you & your family’s future?
We customize each policy to make sure that you & your family is well protected. We have many affordable plans to choose from.
We offer packaged policies to save you money. We have experienced insurance professionals to help you select the right coverage and continually service & manage your account.
Commercial Auto Insurance Facts
Whether your business owns vehicles, rents them on occasion, or employees use personal cars for business purposes, your company needs business auto insurance specifically to cover the business use of vehicles.
Business auto insurance is needed to cover automobiles owned by a company of every type as well as the business use of personal auto.
Coverage carried are just like personal auto insurance: liability, property damage, medical payments/personal injury protection, and uninsured motorist. The difference is that business use is often excluded under a personal auto policy – which is why most companies carry business auto insurance.
What are the reasons you should let us handle your business auto insurance policy?
We know your business auto needs – rented, leased, or owned – we can have you properly covered. You will be glad to know that your employees are protected whenever driving for work-related reasons. Help to eliminate a financial burden if a loss occurs to a covered business auto. Claim resource advocacy when you need it.
Business vehicles aren’t immune to accidents on the road – so be sure your business is covered to safeguard yourself, your employees, and your vehicles from auto accidents. We can offer affordable business auto insurance to keep your company on the road to success – call us at 469-459-1660 today!
Commercial Property Insurance Facts
As a business owner, whether your business is a small blooming business or an established average-sized business, you can be a target for a number of risks and hazards. Your company needs to find comprehensive coverage with a Business Owners Policy(BOP) of Insurance to handle such risks.
What are the different coverage that would be included under a Business Owners Policy?
Property and liability coverage, Business auto coverage, Retirement plans, and
Group health and life plans.
Whatever the size of your business, you need business owners insurance to protect your company, its assets, and its employees. We specialize in designing plans that will fit your needs while working with your budget.
What can a specially-designed BOP from us do for your company and you?
We know the responsibilities of owning a business – let us simplify the insurance part of it for you.
Enjoy peace of mind when you are covered with a Business Owners Policy Insurance from Custom Insurance Brokerage.
Call us at 469-459-1660 and speak with one of our experienced agents!
Commercial Umbrella Insurance Facts
As a business owner, you don’t have time to worry about finding the right coverage for your company, your employees, and your overall best interest. One way to prevent worries about whether your business is completely protected is with a commercial umbrella.
Commercial umbrella insurance extends to cover losses that are in excess of any primary insurance as well as to cover some losses that are excluded or denied under the ordinary primary coverage.
Our insurance professionals have the answers to your questions and can tailor a policy to suit your commercial insurance needs. When your general liability policy does not cover all everything, let us put an umbrella of protection over you and your business with commercial umbrella insurance.
Why should you choose us to design your commercial umbrella insurance for you?
We know the insurance business and can help you properly insure your company.
We will check all your policies to be sure that your business is properly covered.
We know that your business is your livelihood – don’t leave it under-insured!
Employee Group Health Insurance Facts
Group health insurance is an often expected part of employment – this is the means by which employees insure themselves and their families to pay for covered medical expenses. For an employer, it is a benefit that is offered to eligible employees and for which all or part of the premium cost is covered by the employer.
Purchasing group health insurance can seem overwhelming to an employer, especially when looking at all of the various options – and costs – that exist in the group health insurance market. When you are looking to purchase group health insurance, look no further than contacting us to guide you through the selection process.
Why should you ask us to help you find a group health insurance plan?
We can help you find the right coverage for you and your employees.
We can make the plan fit your budget – whether small business, corporate, or in-between.
We can help guide you through the upcoming changes in healthcare regulation.
Let us take the headache out of finding group health insurance for your business. Call us today at 460-459-1660 !
Employee Group Life/Key Man Life/ Business Asset Life Insurance Facts
Just as important as Health Insurance that is offered to employees, Group Life Insurance is also an important benefit for your employees.
What exactly is the difference between group life insurance and individual life insurance?
It is a benefit to employees, part of an overall benefits package. It fills some life insurance needs – but not all of them.
Coverage usually limited to 2 or 3 times employee’s annual salary, exact amount cannot be chosen.
Think of group life insurance as a form of term life insurance to which an employer and sometimes an employee contributes and is paid out only when the employee dies. We help employers select the best policy to meet life insurance needs.
How does this help you as an employer?
It lets your employees know that you care about them. It provides you and your employees with coverage for the unexpected. It can be a plan that is affordable to both employer and employee.
We can prepare commercial life insurance plans or packaged policies to save you money. Whatever your needs may be, we can find a group life insurance policy to fit your situation. Call us at 469-459-1660 today!