Author: agentinsure

Texas is known for getting some stormy weather, and because of this, it’s important to make sure that your Cypress, TX area property has the protection it needs. The team at InsureUS is here to help you and your family determine the right coverage to ensure that you have the protection you need.

Flood damage can be awful to deal with, and finding out that your primary homeowner’s policy does not provide adequate protection can make an already stressful situation even worse. The location of your property can also have a significant effect on your flood insurance needs.

Flood Insurance Basics

Flood and water damage can take a toll on your home, and this damage may not be covered by your primary homeowner’s policy. Oftentimes, the coverage availability is determined by the cause of the damage. There can be damage from storms, water main breaks, interior plumbing issues, rainwater, to name a few. It is important that your coverage includes protection for all flood damage, no matter the cause.

The parameters for these policies can be confusing, and it is advisable to sit down with your knowledgeable local agent to review your needs. Everyone’s coverage needs can differ, depending on the location of the property, any requirements set in place by their lender, or their personal comfort level when it comes to insurance protection. Don’t be left with gaps in your insurance coverage! These oversights can result in your own financial liability in the event of flood damage to your home or property. 

Is it time to review your home policy for completeness? If you are in the greater Cypress, TX area and want to learn more about the available flood insurance policies for our area, call or stop by InsureUS today!

Owning an RV is a great choice for many Texas residents, since it has some great RV parks, such as Grand Texas RV Resort and Fredericksburg RV Park, both in the Houston area. However, owning an RV comes with some obligations. When driving or staying in an RV, especially in the Cypress, TX area, you will need to get RV insurance.

While we have touched on when RV insurance is required, you may be wondering how to get RV insurance. Luckily, it is easy to get RV insurance for your recreational vehicle in Cypress, TX. Below are some simple ways to get started and get your insurance quote as soon as possible.

Call an Insurance Agent

By calling an agency such as InsureUS, which serves Cypress, TX, you will be able to connect to a real person right away to speak about your specific needs. When you speak to an agency that has local agents that work and live in your area, it can make the insurance process much smoother for all involved so that you don’t have to worry.

All of InsureUS agents are only a phone call away and are locally owned and operated.

Request a Quote Online

One of the simplest ways to start getting RV insurance for your vehicle is to fill out a form and request an RV quote online.

With an online form, you simply leave your name, contact information, the coverage needed, and whatever comments or questions that you’d like answered. This option is best for people on-the-go who may not have time to make a phone call or want to see their quote in writing.

Get a Quote Now

InsureUS is here for all of your RV insurance needs in Cypress, TX. Call, email, or fill out our form to learn more.

Many renters are under the mistaken notion that their goods are protected by their landlord’s insurance. Truth is your landlord’s insurance protects his building and surrounding property, not your personal goods. To protect your personal goods, talk to an agent from InsureUS in Cypress, TX about renter’s insurance. Renter’s insurance will safeguard your goods against theft and damage from such perils as theft, fire, vandalism, and other holiday disasters. Here’s why it’s a good idea to get a renter’s insurance policy before the holidays.

Disasters

There are so many stories about people returning from holiday travels to discover their home had been ransacked or destroyed by a disaster. Faulty plumbing could cause indoor flooding during your absence, destroying your goods along with the interior of your rental property. An unexpected wildfire could totally consume your rental home, destroying all that you own in the process. Natural disasters are becoming commonplace throughout the country. By being prepared, you can avoid losing all that you own, especially during the holidays.

Theft

Theft is a big problem during the holidays. While you’re gone, your home could be targeted by burglars who are on the lookout for empty properties. If you plan to be gone awhile, take precautions to reduce the risk of theft during your absence. Install an alarm, put in security lights, stop mail delivery and make sure your goods are protected with renter’s insurance coverage. If your valuables are stolen or you’re the victim of vandalism, you can recuperate your losses with replacement cost renter’s insurance coverage.

With renter’s insurance, you can travel with confidence this holiday season knowing your goods are protected against any eventuality. To learn more about renter’s insurance options and costs, call or visit InsureUS today in Cypress, TX.

Cypress, TX is located just twenty-four miles northwest of Houston. Bikers have plenty of open roads to enjoy in this part of Texas. Like all vehicle owners in Texas, motorcycle owners need to carry a mandated amount of liability insurance. The answer to whether you need motorcycle insurance is yes, you do need to have basic coverage but is that enough? The experienced agents at InsureUS are happy to sit down with you and discuss what motorcycle insurance coverage is right for you. 

If you have a loan or a lease on your motorcycle, your lender is going to require that you carry collision and comprehensive insurance to protect their investment in your bike. If however, you own your bike outright, you need to decide whether to carry the additional coverage. If you have an old beat-up motorcycle that you would not miss if it was gone or if you have the money to repair or replace your bike maybe you are fine with just having the basic liability coverage. However, if you have assets, basic may not be enough. 

Let’s face it, most motorcycle owners love their bike and they treat it like their baby. Your baby needs protection and if it is damaged you are going to want to fix it. If you can afford to do that out of pocket then you don’t need collision or comprehensive coverage. But if it would put a dent in your savings to make the repairs then carrying additional insurance is important. Be sure to talk to your agent about any customizations that you have made to your bike that increased the value. 

Motorcycle insurance is something that bikers in Cypress, TX need to seriously consider. The team at InsureUS is here to answer your questions and to make sure that your bike is as protected as it can be. Stop by too see us or give us a call to discuss the coverage that you need. 

Cypress, TX has seen its share of flooding in recent times, and there is always a possibility there could be another natural disaster in the area. Unfortunately for homeowners who did not have flood insurance during the last flooding, this is not something that is covered in a standard homeowner’s policy.

Before you decide to purchase flood insurance, you need to understand the risk in your area and what kind of protection exists. At InsureUS, we can help you assess your future risks look through your options.

Do you live in a flood zone?

If you live in a designated flood zone, you will need to purchase flood insurance to even get a mortgage. Even if you aren’t close to a body of water, there could be other problems like drainage issues that make your area a flood zone.

Replacement cost or actual cash value?

When choosing a policy, you will need to decide how much insurance you need. That will be based on the value of your home and possessions, but you can also choose a policy that will rebuild your home as it was instead of just offering you the current market value.

Don’t wait

If you do experience flooding, your policy already needs to be in place. There is a 30-day period after you purchase flood insurance before it goes into effect.

Whether you own or rent your home in Cypress, TX, your standard homeowners or renters insurance will not protect you in case of flooding. You will need to have a policy that specifically covers your home during a flood. If you are interested in purchasing flood insurance, or if you just have any questions about it, please feel free to call InsureUS today.

If you live in Cypress, TX and have already just retired or retirement is right around the corner, you may be struggling with deciding where you want to retire. The quick and easy solution is to consider retiring to an RV. Spending your retirement in an RV means you go visit all those places you promised yourself you would visit after retiring, you can visit the grandkids anytime and you park your home near a beach during the winter. If you have been thinking about retiring to an RV, but aren’t sure if it’s good choice, InsureUs has put together a few of the benefits that come with RV living.

Save Money

One of the best benefits of retiring to an RV is that you will save money. There are campgrounds throughout the United States that offer special discounts to seniors and for those who choose to park in the campground during the off-season. You will no longer need to pay a high mortgage or expensive rent, you’ll need to ensure the RV, but you can drop your homeowner’s insurance and most campgrounds offer free WiFi and activities, so you’ll save money on bills as well as entertainment.

Downsizing

Retiring to an RV means you can significantly reduce the amount of stuff you have. Living in a traditional home means you typically have much more stuff than you really need, for instance, do you really need six skillets? Living in an RV means you can eliminate the clutter in your home and your life. It may take a minute to get used to living with only what you need, but in time, your life will be much happier. The less clutter there is your life, the freer you will feel, which means you will have the desire to get out, be adventurous and enjoy your retirement.

Make New Friends

All that traveling means you will be interacting with more people and if you tend to park in a campground that is senior-oriented, you will be amazed at how many people you meet that enjoy the same things as you. Many campgrounds offer a “get together” for their residents as well, which means you’ll have even more opportunities to develop lasting friendships with people.

These are only a few of the benefits that come with RV retiring. If you aren’t sure if it’s the best lifestyle for you, consider renting an RV for a few weeks to give it a try.

Residents of Cypress, TX that are interested in learning more about insuring their RV should contact InsureUs.

Cypress, TX – The Home Base Of InsureUS 

We do like things big here in Texas but one thing that can stay slight is the amount of time spent worrying about insurance.  When you are out on the water you just want to relax you don’t want to think about what’s covered by your insurance and what isn’t. If you’re fortunate enough to own more than one boat,  you can insure more than one boat at the same time. 

Though many homeowners insurance policies cover minimal damage to your boat, you want to have more extensive coverage. 

If you have one boat docked and you’re using another boat there is a layup provision provided in the state of Texas which will suspend the insurance coverage when the boat is not in use. Speaking with an agent is the best idea as they will know the nuances of what is covered and what isn’t as well as what is beneficial and what is not.  

 There are various stipulations for boat insurance if the boat is used in ocean water. Again, speaking with your agent will clarify things for you and the more detailed you could be about how you’re going to use your boat the better. In this way, your agent will be able to craft a policy that will cover you and your needs. 

Located in Cypress, TX 77429, you can come in today and speak with us about all your insurance needs. If you’d rather call, our telephone number is 281-640-8888. The agents at InsureUS want you to feel secure in your insurance agency choice. Just let us know how we can make this experience more beneficial to you and more customer-friendly today.