Understand your texas insurance options

Understand The Policy

When you start shopping around for Texas home or automobile insurance coverage, you may think that it is necessary to take out as much insurance as possible to cover as many incidents as you can This is not necessarily the case. You should carefully consider which options are best for you personally. Some of these options for Texas home and auto insurance coverage are:

  • Medical coverage in case someone is injured in your home. Some Texas insurance companies make this an option, and it can save you money on your premiums. However, you should be aware that if an injury to someone else occurs at your home, they can file a lawsuit or other claim asking you to pay medical and other expenses. For this reason alone, many Texas residents go ahead and include at least a small amount of medical coverage.
  • Coverage on unattached buildings (sheds, garages, barns, etc). Some insurance companies include these in the homeowner policy; others do not, and you can decide if you want to have coverage on those buildings. If your house still has a mortgage, you may not have options; the mortgage company may require you to have the most complete coverage possible.
  • For Texas auto insurance: Full coverage or liability only: depending on the age of your car, and whether or not it is paid off, you can sometimes choose to just take out liability insurance. This pays only for damages to other vehicles or property as well as other expenses that happened as a result of an accident; it does not pay for repairs to your car or medical expenses for you. If your car is not paid off, you may have to take out full coverage.

How Do I Shop For The Best Deal For Insurance In Texas?

Pull The Right CartThere are several resources Texas residents can use to shop for the best deals for home and/or automobile insurance. These include calling agencies on the phone, visiting different agencies, or doing online insurance.

Here are two tips to shop for the best Texas insurance deals:

You give yourself plenty of time.

If you’re doing your shopping online, you may want to set aside an hour or so to visit different websites and provide the information needed to give you a home or auto insurance quote. Once the information starts coming in, you may want to designate another time period to study it all at once, rather than clicking on each e-mail reply as it comes.

If you feel rushed, you may make mistakes when entering information for quotes, and you’re not as likely to make the best decision on which homeowners or auto insurance policy to choose. If you schedule the time to fill out the quote requests and study the replies, you’re less likely to make errors that could mean getting incorrect information or paying too much money.

 

You gather all your information first, before you even start searching or calling.

For homeowners insurance, this can include where you live, the type of police and fire protection you have, how old your home is and what it is built of. For auto insurance, this can include the makes and models of vehicles to be insured—it’s not a bad idea to jot down the VIN either, and information on all drivers (age, sex, marital status, age at time first licensed, number of accidents/violations, etc.).