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What to Know Before Purchasing Home Insurance

Posted on February 15, 2024February 9, 2024 by agentinsure

You have found the perfect home to raise a family. However, new homeowners have failed to consider the challenges of purchasing a home insurance policy. Let InsureUS in Cypress, TX assist with researching and creating a policy that protects your new home. Their expertise will help to better educate you on the coverage before purchasing home insurance.

What is Home Insurance?

Home insurance protects the home’s interior and exterior contents that could be damaged by fire or a natural disaster. The home’s structure will be covered for repairs if damaged during a storm, fire, or other catastrophes. Also, your personal property will be replaced if stolen or vandalized. Finally, home insurance will pay for a resident or guest’s medical expenses if they’re injured on the property.

Types of Additional Home Coverage

A standard home insurance policy will cover all the necessities. And it is wise to choose additional home coverage that offers more protection against any disaster.

Dwelling coverage is a popular choice among long-time homeowners, as it pays for all damage to detached structures (garage, barn, or shed) on the property caused by torrential flooding and tornados. Most insurance providers require separate coverage for buildings not attached to the home.

Liability coverage protects a homeowner from financial risk after being sued by a guest for injuries sustained in their home or on the property. The coverage provided will pay for all legal expenses associated with defending yourself. And if you are ruled liable for the injuries sustained, liability coverage will cover all medical bills (x-rays, treatment, and extended hospital stay).

If you’re a first-time homeowner, you need to get better educated on the coverage associated with home insurance before purchasing a policy. Call and speak with an associate with InsureUS in Cypress, TX, as they have the experience to answer all your questions about the coverage provided. Call and schedule an appointment today.

Should a Texas car owner get an auto insurance plan?

Posted on January 22, 2024January 22, 2024 by agentinsure

If you live in the Cypress, TX area, you will find that it is the type of community that would require you to own or lease a car. It will be much easier for you to get around the community. Once you start looking for a car, you should also consider your insurance needs. A driver will need to get an auto insurance plan for various reasons.

Cover their Car

A great reason to have an auto insurance plan is to cover your car. If you buy a car, you will make one of the most significant purchases and investments of your lifetime. If you do not have insurance, you could face severe losses if the car is stolen or damaged in any accident. When you are insured with comprehensive coverage, you will have support in these situations.

Reduce Liability Risks

Getting an auto insurance policy to reduce your liability risks is also a good option. Those who are going to buy a car in Texas need to have liability insurance to meet state laws. Further, this coverage will offer support if you are liable for damages in such an accident. This could save a lot of money in challenging situations.

Those looking to build an auto insurance plan in the Cypress, TX, area will want to call our team with InsureUS to start the process. There are always a lot of essential choices to make when you seek coverage here, and our team with InsureUS will give you any guidance you need. Our team with InsureUS always takes a customized approach to evaluating options and ensuring clients are protected.

Should a Texas car owner get an auto insurance plan?

Posted on January 22, 2024January 22, 2024 by agentinsure

Cover their Car

Reduce Liability Risks

Common myths about renters insurance

Posted on December 27, 2023December 27, 2023 by agentinsure

Americans’ most common insurance types are auto, home, and health insurance. Renters insurance does not belong to this category of popular insurance types. Based on the results of a recent study, only about 65% of Americans get renters insurance when they rent an apartment or house. Why is it like this? One of the reasons is the myths about renters insurance. Keep on reading this blog post – we will debunk them in this article:

Myth 1: Renters insurance is expensive

Believe it or not, renters insurance is much cheaper than home insurance. Although every renter pays a different rate for renters insurance, most renters can easily afford it.

Myth 2: Landlords have their own insurance

Yes, a landlord may have insurance covering the building itself. However, your personal stuff is not part of your landlord’s insurance. Since your landlord does not possess your belongings, they won’t want to cover them.

Myth 3: If your roommate already has renters insurance, you do not need to get it

It is quite unlikely that your roommate’s insurance will cover you and your personal belongings. Therefore, if you have a roommate, ask them whether their insurance will protect you.

Myth 4: I will never need renters insurance and will never use it

If you ask any tenant renting a place, they will say they hope they will never need to submit a claim. Unfortunately, things occur when you do not expect them. You will probably prefer to be safe than sorry.

If you are considering renting a place to live, you should also get renters insurance. If you live in Cypress, TX, and need help from a reliable and trustworthy agency, InsureUS is here to help you. At InsureUS, we are ready to answer all your questions and find the perfect policy.

Custom Motorcycle Insurance: Coverage for Unique Bikes

Posted on November 25, 2023November 25, 2023 by agentinsure

Custom motorcycles in and around the Cypress, TX area reflect individuality and personal style, often crafted with precision and care. Owners of these unique machines invest time and resources into creating a ride that stands apart. Custom motorcycle insurance becomes crucial, offering coverage tailored to the specific needs and risks associated with these distinctive rides to protect these unique bikes.

Understanding the Unique Risks of Custom Motorcycles

Custom motorcycles come with their risks and considerations that differ from standard bikes. Anything that could cause damage to the bike would call for upfront payments or reimbursements in claims. Insurance coverage must account for:

Increased Value: Customizations often elevate the motorcycle’s value, requiring coverage that reflects the true worth of the bike.
Specialized Parts and Accessories: Custom bikes feature unique components that may not be covered adequately by standard motorcycle insurance.
Custom Paint and Finishes: Protecting custom paint jobs and finishes is a priority, as repairing or replicating these can be costly.

Coverage for Increased Bike Value

Custom motorcycle insurance addresses the enhanced value of these bikes by providing the following:

Agreed Value Coverage: Sets a predetermined value for the motorcycle, ensuring owners receive the agreed-upon amount in case of a covered loss.
Custom Parts and Equipment Coverage: Extends coverage to specialized components and accessories that a standard policy may not cover.

Protection for Custom Paint and Finishes

Preserving the aesthetics of custom motorcycles is crucial, and insurance coverage includes:

Coverage for Cosmetic Damage: Protects against damage to custom paint, chrome, or other finishes caused by covered events.
Repair or Replacement Coverage: Addresses the cost of repairing or replicating custom elements damaged in covered incidents.

InsureUS Can Help You

At InsureUS, we can help answer questions concerning motorcycle insurance. We serve the Cypress, TX area. Contact us today.

Flood Insurance for Before, During, and After the Flood

Posted on October 25, 2023October 25, 2023 by agentinsure

Few of us ever plan on dealing with a flooded home, but many homeowners do prepare for such unexpected and unwanted events. That is also where InsureUS can help. If you live in or around Cypress, TX, and are looking for flood insurance for your home or property, look no further than InsureUS.

According to recent reports, recovering from the damages of a Class 4 flood can cost as much as $100,000. The good news is that with a safety net like flood insurance, homeowners can avoid the exorbitant cost of flood restoration.

Help Before, During, and After the Flood

Homeowners who work with experienced and professional insurance agencies get the benefit of knowing they are covered in the event of a flood. Flood insurance can also help with many expenses related to flood damage during and after the flood.

To provide the protection you, your family, and your home deserve before, during, and after the flood, working with an agent you can depend on is essential. That is also why so many people and homeowners across the Cypress, TX, area turn to insurance providers like InsureUS.

Are you prepared for the unforeseen and costly disaster of flooding? Does your current flood insurance policy offer the coverage and protection your family needs for the worst-case scenario? At InsureUS, we can help homeowners with the insurance plans and policies they need for peace of mind and protection before, during, and after the food.

For All Your Flood Insurance Needs

Thank you for being so interested in InsureUS, where we provide flood insurance services for homes across the Cypress, TX region. Contact us to learn more and to protect your home with flood insurance you can count on today.

Be Ready for Travel with Adequate RV Insurance in Cypress, TX

Posted on September 26, 2023September 26, 2023 by agentinsure

Texas is a superb state for RV traveling, and many residents consider their recreational vehicle to be a permanent residence. However, when on the road or parked in an RV spot, there can be complications due to storms or traffic-related incidents. With that in mind, our InsureUS agents talk about the coverage you’ll want to have in place, whether you’re parked in Cypress, TX, or heading out for an adventure.

RV Insurance Requirements in Texas

If your RV can be driven via a motor, you must have at least liability coverage, just like automobiles in the state must have. This helps pay for property damage and any injuries that may result should you be at fault for an accident when operating your RV.

Basic Texas RV Requirements

In Texas, recreational vehicles with motors have the same coverage requirements as traditional vehicles. So, your Texas RV insurance policy must meet or exceed specific minimum coverage amounts.

Bodily injury Liability per person
Bodily Injury Liability per incident
Property Damage Liability per incident

Because RVs are heavier and larger than most motor vehicles, they pose a greater risk of being involved in accidents and causing excessive damages and injuries. For this reason, many Texas RV owners opt to enroll for coverage higher than the state minimums.

Customized Insurance For RVs In Texas

We can create a policy that meets the minimum requirements and much more here at InsureUS in Cypress, TX. We can design a policy customized to your RV type and how you use it. Some additional coverage options include:

Uninsured Motorist Insurance
Personal Injury Protection
Personal Liability Coverage
Contents Coverage
Vacation Liability Insurance
Towing and Roadside Assistance

Get RV Insurance You Can Count On

Here at InsureUS, we want every Cypress, TX area client to have the coverage they need. Contact us today to get a consultation.

Why All Boaters Need Boat Insurance

Posted on August 24, 2023August 24, 2023 by agentinsure

If you own a boat, you can face many risks both on and off the water. It would be best to have boat insurance to help protect yourself against those risks. It isn’t required in Texas to have boat insurance, but some bodies of water require it. It’s also the smart choice when you want to protect yourself financially. If you own a boat and need a boat policy, call us at InsureUS in Cypress, TX to get started.

Liability Coverage for Boats

When you’re out on the water, accidents can happen. Many people don’t think much about boating accidents. However, they can be costly. If you’re at fault for a boating accident, you would be responsible for all the resulting bills from the other party. This can include property damage as well as medical bills. These can be extremely expensive. Without insurance, you could be out thousands of dollars in medical and repair bills or even more. It’s essential to have at least liability coverage for your boat for as long as you own it.

Other Boat Coverage

When you own a boat, you may want to get other types of coverage for even better protection. You can get collision and comprehensive coverage Along with your liability coverage. Collision coverage is protection for the damage that happens to your property in an accident. Many people get personal property coverage if they have the equipment and many personal items on the boat. Comprehensive coverage protects the boat against damage and other problems when it isn’t out on the water.

Get Your Boat Insurance

If you don’t have boat insurance, now is the time to get it. Give us a call today at InsureUS in Cypress, TX.

Commercial insurance FAQs

Posted on July 24, 2023July 24, 2023 by agentinsure

Many businesses risk being completely overwhelmed by the risks they face. Different companies face different types and levels of risk, but they must be protected from as many of the obvious risks as possible. At InsureUS in Cypress, TX, our team of experienced independent agents can help identify your particular business’s specific needs and make commercial insurance suggestions.

Does my business need workers’ compensation insurance?

Texas does not require private companies to carry workers’ compensation insurance. Just because you don’t have to carry it doesn’t mean it is a good idea not to have it.

What protection will commercial liability insurance provide?

Commercial liability insurance will protect your business from the ramifications of a lawsuit. It can cover legal expenses and judgment. This can result from being sued by a client, a vendor, or a disgruntled employee.

Does my business need commercial property insurance even if my building is rented?

Yes, it does. Commercial property insurance covers not only the physical building but also all the things you use to do business. Depending on your type of business, it can be machinery, office equipment, raw materials, inventory, display units, or electronics.

Does my home-based business need commercial insurance?

If you want to be protected against the many risks that every business faces, you need commercial insurance. Your home insurance will provide only the most essential coverage for your business property. Your home liability insurance will not protect you from liability if customers or clients visit your home. If you use your vehicle for business, you need commercial auto insurance.

Contact InsureUS in Cypress, TX to discuss your business and the types of commercial insurance that can benefit your business the most. Stop at our office, call us, or reach out through our website.

Instances Where Home Insurance Wouldn’t ’t Cover Water Damage From Home Appliances

Posted on June 19, 2023June 19, 2023 by agentinsure

Water damage is one of the many risks most home insurance policies protect against. However, there are terms and conditions associated with insurance policies regarding water damage in your home. Anyone interested in finding reliable insurance policies to protect against water damage related to certain events can contact InsureUS, probably serving the residents in and around the Cypress, TX, area.

Home Insurance Protection

Your home insurance policy will generally cover water damage associated with various events. For example, you may be covered if your home experiences flooding due to a plumbing event. However, if your plumbing is in poor repair, you may not be able to file a claim because it’s a homeowner’s responsibility to keep the home in good repair to be covered. Additionally, if flooding results from a natural disaster, you’ll likely need flood insurance rather than home insurance to get the coverage you need.

If you need to find out which risks are covered by a home insurance policy, you can find out by speaking to one of our knowledgeable insurance agents. We can help answer questions about specific policies and ensure each customer understands the terms and conditions. We aim to help our customers be educated and confident about their policy selections.

Find Out More

If you would like to start shopping for the right insurance policy for your specific needs, let us help. The experts at InsureUS are ready to assist the residents of Cypress, TX, with getting coverage that offers them security. Call or stop by our office today to schedule a consultation or to get answers to questions. Our goal is to provide exceptional support and insurance services to protect against losses and risks against your home and property.