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Types of Texas Auto Insurance Coverage:

Property Damage Liability Coverage: pays for the damage you, as the driver, may cause to someone else’s property.

Bodily Injury Liability Coverage: helps to cover the cost of injuries of others involved in an accident that you cause. It can also help cover their lost wages. 

Medical Payments or PIP: pays for the treatment of injuries to you and the passengers of your car. At its broadest, PIP can cover medical payments, lost wages, and even funeral costs, if necessary.

Comprehensive Coverage: reimburses for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, earthquakes, windstorms, hail, flood, vandalism, or contact with animals such as deer.

Uninsured and Underinsured Motorist Coverage: Will reimburse you if you are hit by an uninsured or a hit-and-run driver. Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance.

A standard homeowners insurance policy in Houston typically includes:

• Dwelling Coverage – Protects the structure of your home against covered risks such as fire, wind, hail, theft, and vandalism.

• Personal Property Coverage – Covers belongings like furniture, clothing, and electronics if they’re damaged, destroyed, or stolen.

• Liability Protection – Provides financial protection if someone is injured on your property or if you’re responsible for damage to another person’s property.

• Loss of Use Coverage – Helps cover additional living expenses, like hotel stays and meals, if your home becomes uninhabitable after a covered event.

Running a small business involves a significant investment in time and money. Business owners insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. Unless you are an employer, business insurance is generally not required by law, however, it is common practice to purchase enough insurance to cover your assets.

Regardless of whether you own the family restaurant that everyone knows about or the fine dining institute that caters to creating an experience, restaurants face a myriad of unique challenges and exposures in their industry. Restaurant owners need to protect themselves from loss of income, liability, employees, and more. Having a Restaurant Insurance policy from our agency can help cover all your restaurant insurance and business insurance bases.