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Auto insurance is, in many ways, a contract between a car owner and an insurance agency that states the insurer will help assist financially in the case of an accident to help alleviate significant damage costs. The amount the insurance agency provides depends on the type of policy the car owner has. The benefit of auto insurance is that the driver can feel safe knowing that they’ll have financial assistance in the unfortunate case of an accident.

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

In Texas, motorcycle owners must carry some form of motorcycle insurance to prove financial responsibility for potential accidents they might cause. Motorcycle insurance is necessary to limit out-of-pocket costs following a covered accident, so it’s essential to carry more than the minimum insurance mandates.

Although policies might vary in some ways, the following are two common life insurance policy choices:

Term plans last a set number of years. Coverage will issue payment if you die during the term.
Whole-life policies remain active indefinitely, as long as you pay your premiums. Many offer cash accumulation and interest benefits.

To learn more about policy options, be sure to reach out to our agency today to figure out which option might be the best one for you and your loved ones.