Renters’ insurance provides protection for personal belongings. It also covers legal costs for liability claims that are placed against an insured individual. Learn how you and your new roommate can acquire the protection you both need. Limits First, you should know that a renters’ insurance policy will have a coverage limit. If you and your roommate decide to share an insurance policy, the coverage limit would need to be split between you. Because doing this would lower your potential claim amount, you should each consider buying your own separate renters’ insurance policy. By ..read more

Many homeowners are often under the impression that their area couldn’t possibly flood. However, floods can occur nearly everywhere, making it crucial for homeowners always to stay prepared. If you own a home, pairing your home insurance with a robust flood insurance policy is necessary to keep your property and assets safe. Get detailed insights on flood insurance from Insurance Over Texas in Houston, TX. The Value of Flood Insurance Alongside Home Insurance Many homeowners are under the erroneous belief that their home insurance policy is sufficient protection against floods, which isn’t the ..read more

Are you planning to purchase a condo unit? Then, you should also think about condo insurance as well. In this blog post, you can find all the information you need regarding condo insurance in 2024 in the state of Texas: The state of Texas does not require condo owners to carry condo insurance.  Even though you do not have to purchase condo insurance, many mortgage lenders still require condo buyers to have it to be approved for a loan. If you are buying a unit for cash and you do not even need a loan, then you do not have to get condo insurance.  Compar ..read more

Navigating the Health Insurance Claim Process Receiving medical services often necessitates submitting an insurance claim form to be compensated for out-of-pocket expenses. The following is a fundamental guide on how to approach this process. For further support in Houston, TX, reach out to our proficient agents at Insurance Over Texas. Understanding Your Insurance Policy The first step is to thoroughly review your insurance paperwork, which stipulates the coverage provided and outlines the cost you are accountable for. The documents also feature important contact information, which can be han ..read more

Unexpected weather events, natural disasters, and the nature of an urban lifestyle mean the likelihood of mishaps and accidents on the road is high for Houston, TX, drivers. An increased likelihood of accidents in an overcrowded city means Houston’s drivers must protect their passengers and autos from the devastating economic effects of accidents and non-collision-related events before venturing out into the heart of our beloved city, uninsured.  Insurance experts at Insurance Over Texas help local drivers understand their best coverage options and choose comprehensive insu ..read more

Recent floods in the city of Houston, TX, and nearby areas have local residents rethinking the importance of protecting their homes and assets from the devastating financial effects of severe flooding.  The flood insurance professionals at Insurance Over Texas in Houston, TX can help you understand the benefits of having flood insurance! Knowledgeable agents can explain how an adequate flood insurance policy can help safeguard your property and personal belongings from financial loss.  Wading Through Coverage Options for Texas Flood Insurance Understanding the risk is the most crucia ..read more

The advantages of health insurance include help paying expenses from accidents and illnesses. It can give you peace of mind and help you safeguard your financial well-being. At Insurance Over Texas, our agents answer your most pressing questions about which policy might work best for you. Start by exploring six significant benefits of purchasing health insurance.  Great Reasons to Buy Health Insurance Many policies cover most or all expenses related to a stay in the ICU, a visit to the emergency room, and healthcare worker fees. The right coverage can give you peace of mind so t ..read more

Our agents at Insurance Over Texas, serving the Houston, TX area, want you to know that auto liability insurance is required in Texas. You must have a minimum amount of liability insurance to legally drive on public streets so that if you cause an accident, any injuries or property damage you cause will be covered by your insurance policy. They also want you to know that there are several other auto insurance coverage options to choose from. Read on for more information. Auto Insurance Coverage Options Comprehensive Auto Insurance This type of coverage pays for damages to your vehicle caused b ..read more

If you own a condo in Houston, TX, you are required to have condo insurance if you have a mortgage. Condo insurance is not only required in Texas but also a wise idea, even if your condo association has insurance. Insurance Over Texas explains why. What Does Condo Insurance Cover? First, it’s important to understand what condo insurance does and does not cover. Your condo association’s policy will usually cover the outside of the building and any common areas, such as the swimming pool or fitness center. However, it will not cover the contents of your individual unit. That’s where your condo i ..read more

When you own a Texas business, there are many different types of commercial insurance that can help you protect that business. There is one type that is required for certain businesses. Others are highly recommended because they can save a business from financial destruction. When you need to get any type of commercial insurance, you can call us at Insurance Over Texas in Houston, TX to find out more.  Commercial Auto Insurance It’s required that you have commercial auto insurance if your business owns a vehicle. Every vehicle must be covered by these policies in order to stay l ..read more