When you’re looking for expert property casualty insurers North Houston, TX, look no further than Texas Insurance Agency. We’re the leading independent insurance provider serving the North Houston area. Discover the difference and see what we can do for you.
The Best Choice For Property Casualty Insurers North Houston, TX
Make sure you have the coverage you need by contacting property casualty insurers North Houston, TX.
You want an adequate business insurance policy when you’re in charge of a company. It should protect your building and the equipment you use. A fire due to faulty wiring, water damage from leaking pipes, or a break-in could cause damage that results in productivity disruption.
Likewise, you want that same protection when you own a home or rent an apartment. Anything could happen, and you’ll want to be sure all of your bases are covered. You don’t want to be caught in a position where you’re on the hook for any loss or damage.
Texas Insurance Agency has the expertise you want in property casualty insurers North Houston, TX. While it may have a fancy name, the insurance that falls into that category is all very common. We’re here to answer your questions and explore your options to tailor a comprehensive plan that suits your needs.
Types Of Property And Casualty Insurance
Property and Casualty Insurance is also called P&C Insurance. It’s an umbrella term for insurance that covers a structure, property, and belongings. In the event of vandalism or theft, it will cover the losses resulting from it.
Property insurance will help to cover the stuff you own, like a home or car. Casualty insurance includes liability coverage. You’ll be covered if you’re legally responsible for an accident that leads to injury or damage to a person’s belongings.
These insurances are usually bundled together into one policy, such as:
Homeowners’ Insurance
Homeowners’ Insurance is one of the many types of property insurance. It’s not a legal requirement in Texas; however, if you have a mortgage, it may be required by your lender.
Homeowners’ insurance will cover losses or damages that may occur to a residence. It also covers any furnishings and other assets in the home. It can also provide liability coverage for accidents that may occur in the home or on the property.
While every homeowner’s policy is different, they will all typically cover the following damages to a property:
- Interior Damage
- Exterior Damage
- Loss or damage of any personal property
- Injuries that occur on the property
Each policy will also have its own liability limit. This will determine the amount of coverage provided if there is an incident.
Car Insurance
Auto insurance is required by law in Texas. Make sure your policy has you covered!
Auto Insurance is another example of property insurance. It’s not only required by law; it’s coverage that can make a considerable difference in the event of an accident.
The right auto insurance policy can provide any of the following coverages:
- Liability coverage if you have a fender bender. This can pay for injury or property damage to someone’s vehicle.
- Collision coverage can help pay to repair your vehicle if it accrues any damage caused by you.
- Any damages caused by anything other than an accident can be covered with comprehensive auto insurance.
- Uninsured motorist coverage will provide coverage if you get into an accident with someone that doesn’t have their own auto insurance.
- Medical bills can be covered under a medical payments policy if you’re injured in an accident.
Renters’ Insurance
You may think you don’t have to worry about having a property insured because you don’t own it. Unfortunately, rented property like an apartment is just as, if not more, susceptible to break-ins and other potential hazards. We need housing lawyers to settle disputes between landlords and tenants. It should be no surprise we also need insurance to protect ourselves.
With that in mind, Renters’ Insurance can protect you and your belongings. It offers peace of mind knowing you have that protection.
A standard renters’ insurance policy will cover perils, which are unexpected events. They’ll include the following coverages:
- Personal property: covers the cost of damage or loss from events such as fire, smoke, vandalism, or theft.
- Liability helps cover the costs associated with lawsuits or damages, such as a guest suing over an injury.
- Additional Living Expenses: If your rented property is deemed “unlivable,” this will cover any unexpected costs. This can occur if the building burns down or there is substantial water damage, for example.
Landlord insurance is also available for anyone that rents property. Also referred to as rental property or investment property insurance, this can come at a higher cost. However, this insurance offers coverage for property damage, liability, and loss of income, which means protection and peace of mind.
Power Sports Insurance
Protect your joy rides with Motorcycle and Boat Insurance policies.
If you set sail on a boat or cruise on a motorcycle, you will want to be safe and insured. As we’ve learned, boats don’t have to be on the water to run the risk of damage thanks to a storm. And motorcycle accidents are never far from reality.
Power sports insurance is another broad category that can provide individual policies for Motorcycle Insurance and Boat Insurance.
Motorcycle insurance will provide coverage for:
- Liability
- Collision
- Comprehensive motorcycle insurance
And, just like auto insurance, there’s additional coverage available that can protect a motorcyclist if an uninsured driver hits them. It’s also important to maintain insurance coverage for your motorcycle year-round. Even when stored away for the season, the possibility of an accident is always present.
Boat insurance isn’t required by law in Texas, but it’s important to have and maintain year-round coverage. You’ll want to ensure optimal insurance protects your property, crew, and you. These policies provide coverage for:
- Property – if your boat gets damaged from an accident.
- Liability – covers medical costs of someone injured; repairs or replaces any damages from an accident you’re responsible for.
- Repair cost – some policies will cover these costs.
- Uninsured watercraft – similar to auto insurance coverage, this will cover you if you’re hit by an uninsured boat.
- Watercraft medical payments – covers medical costs for you or anyone injured in a boating accident.
Not all boats will require the same type of coverage. Policies will be tailored to fit the needs of your specific boat.
Your Source For The Personal Property Coverage You Need
With years of experience in the insurance industry, Texas Insurance Agency has grown to become the leading independent agency. Texans can count on us. Our agents have the knowledge and expertise to find the right coverage for you at the most affordable rates. If you’re tired of the big companies, experience a company that works for you.
Our offices are open from 8 AM to 5 PM, Monday-Friday, with weekend visits available by appointment only.
We proudly serve the North Houston area and have locations available in Katy, Pearland, Tanglewood, and The Woodlands. Wherever you’re located in Houston, we’re never far.
We also offer FREE insurance quotes, so you know you’re getting the best deals without the headaches or hassle.
Call the offices of Texas Insurance Agency today when you’re ready to discover the difference! We’re your source for property casualty insurers North Houston, TX.
Fun Facts About North Houston, TX:
- North Houston is home to the Sam Houston Race Park.
- North Houston’s George Bush Intercontinental Airport is the second largest United Airlines hub.
- North Houston is part of one of the most populous counties in Texas.
