Texas Insurance Agency of Fulshear’s commercial insurance brokers are the best in the business. We are an independent insurance company based in Texas, with a combined experience of 40-plus years in the insurance industry. We promise to find the best insurance policy for you in financial and beneficial terms.
The goal of our Fulshear commercial insurance brokers is to provide the best customer service available while also helping you save money. We will find the best way for you to be insured with the most efficient and effective plan. We won’t waste any of your time, our team will push every effort to ensure you are satisfied in the most optimal way. Texas Insurance Agency offers multiple types of insurance, including home, life, auto, flood, and other types of insurance.
We pride ourselves on being experienced and highly knowledgeable in the insurance industry, which is why we offer so many different services. Being insured has many benefits that come with it, aside from it being legally required in most states. Not being insured can come back to bite you, both financially and legally. Insurance is worth buying despite the drawback of purchasing something you hope you’ll never have to use.
Homeowners insurance is one of the most important types of insurance out there. Buying a home is a massive investment, and it will likely affect you for the rest of your life. Regardless of where your home is located, a quality homeowners insurance policy is always a great idea. Texas Insurance Agency of Fulshear’s commercial insurance brokers will help you get coverage for your ho
me that provided the right protection no matter your residential situation. We offer quotes for the following:
- Homeowners Insurance
- Renters Insurance
- Mobile home/manufactured home insurance
- Condo Insurance
Types of Coverage
There are a few different types of home insurance coverage. The different types of coverages offer protection for dwellings, personal property, and more.
Dwelling/Standard Home Policy – Dwelling or Standard Home policy is the most common type of coverage. These policies offer protection for the structure of your home, such as the walls and roof. It is very important that you note that this type of policy will not cover flood damage. Flood insurance is a completely separate type of insurance policy.
Other Structures –
Dwelling/Standard Home policies do not offer protection for sheds and detached garages. For this type of damages, you will need to purchase other structures coverage. This type of policy will cover buildings connected to your house and on your property.
Personal Property or Scheduled Items Coverage – For additional protection on your belongings inside your home, the type of coverage required is Personal Property or Scheduled Items coverage. This will protect furniture, jewelry, stereo, and bicycles among other of your belongings. There are usually limits on home policies, making personal property coverage usually necessary.
Liability Coverage – Liability coverage will protect you in the case that someone seeks damages against you after sustaining an injury in your home or on your property.
Guest Medical Insurance – This policy is designed to help you cover the cost of medical expenses for someone that sustained an injury on your property.
Additional Living Expense Coverage – This type of coverage is for the times where your home is inhabitable because of a covered loss. This usually covers normal living expenses or hotel expenses while you wait for the home to be repaired.
It is always good to be ready as best possible for the unexpected. People die sometimes, and that is just a part of life. No one knows when their day will come but one thing that is certain is how life insurance will make the loss much easier for your loved ones. Our life insurance policy, whether it’s a term or permanent, will ensure those close to you will be taken care of financially. Life insurance provides a lump-sum payment to beneficiaries upon your death. This payment is referred to as a death benefit. In exchange for this payment, you will be asked to pay periodic payments called premiums.
There are many factors that will contribute to your decision on life insurance. Things such as age, gender, medical history and price of the policy will all influence your choice. There are usually two types of life insurance policies.
Types of Policies
Term Life – Term life insurance will guarantee a death benefit payment if the insured dies during the specified term. This type of policy has no other valuer than the dollar amount of the benefit. The premiums for this type of insurance are much lower than comparable permanent life insurance policies. There are several lengths for term life insurances. They can be 10, 20, or 20 years. If the insured lives past the policy’s expiration, there will be no payout. The insured has the option of renewing the policy or converting it to a permanent insurance policy.
Permanent Life – Unlike term policies, permanent life insurance stays in effect throughout your lifetime. The coverage will stay active as long as the monthly premiums are paid accordingly. The policy accumulates a cash value. Depending on the type of policy, premiums may stay level and your benefits do not increase. You can also select available options that provide flexibility. Some policies are more flexible in regard to premiums and face value amounts of your policy. Additionally, depending on the policy, the accumulated value may be accessible for certain instances while you’re still alive.
Everyone should have car insurance, no matter the type of car. Texas Insurance Agency partners up with over 20 different Katy auto insurance providers. We push every effort in getting you the right car and truck coverage at the best rates. Having the right type of policy will help mitigate significant financial risk.
Fulshear Texas Commercial Insurance Brokers
Texas Insurance Agency can help you in finding the best auto insurance coverage for you and your belongings, contact us for more information by calling us at (281) 398-1010 or visiting our site by clicking here. We are by far the best of the Fulshear Commercial Insurance Brokers, to learn more about us click here.
Texas and Fulshear Fun Facts
- Known as The Lone Star State
- First Fulshear church built in 1894
- The official state shell is the lightning whelk
- Learn more here