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Featured Insurance Blog

Is Home Insurance Mandatory in Texas?

Becoming a house owner brings satisfaction and comfort to anyone’s life. However, this precious asset is susceptible to risks which could strike anytime. Therefore, it’s prudent to search for a formidable tool that will guarantee protection to your home and the contents stored in it. Perils like hail or fire may relegate your family to homelessness and force you to seek accommodation elsewhere.

You can take steps to mitigate such risks. Consult with our agents at AAIGOT Insurance Agency Inc in Houston, TX and get peace of mind daily by allowing you to enjoy living in your house without any stress.

Is home insurance mandatory in Texas?

Home insurance is not mandatory in Texas, but if you finance your house through a mortgage, the lender might require you to have it until you clear the outstanding loan. Irrespective of home insurance not being mandatory in the state, it’s prudent as a homeowner to explore other home insurance coverage to ensure protection for both your home and personal property stored in them.

They include:

Additional living expenses: If your lovely home is ravaged by the stated peril in your policy document and becomes uninhabitable, this policy kicks in and caters to accrued expenses when your dwelling is being repaired or rebuilt.

Dwelling coverage: It’s a shield designed to guard your home, comprising the walls, floors, and built-in appliances, as well as detached structures like a gazebo after an impending calamity strikes.

Contents coverage: Getting your policy from AAIGOT Insurance Agency Inc safeguards your possessions such as clothing, electronic gadgets, and furniture after they get robbed or damaged by prevailing disasters.

Get Home Insurance Today

Have you constructed or bought your home recently in Houston, TX? Don’t hesitate to call or visit us at AAIGOT Insurance Agency Inc. in Houston, TX and get more information about home insurance.

Required Auto Insurance in Texas

In Texas as in other states, it is required that all vehicle owners have auto insurance on their vehicles. The state has minimum insurance requirements for various types of coverage that all must be included in your policy. The minimums that are required are relatively in line with those of other states, but it’s a good idea to get more than the minimum amounts of coverage so that you are protected against serious accidents.

When you need auto insurance in the state, call us at AAIGOT Insurance Agency Inc in Houston, TX.

Liability Coverage in Texas

When you drive in Texas, you are required to have two amounts for bodily injury liability and one amount for property damage liability. The bodily injury amounts include one amount for a single injured party in an accident where you are at fault. The other amount is for all of the parties who are injured in the accident. There is also an amount required for property damage, which covers the other party’s damage sustained in the accident. This may be damage to the vehicle or damage to landscaping or to a structure. 

Other Auto Coverage

In Texas, personal injury protection, often called PIP, is also required. This is a small required amount of coverage that is there to pay for your own injuries after an accident. However, you can waive this coverage in writing if you don’t want to keep it. It is not recommended that you do this, as it is important coverage to have after an accident if you are injured. You may also want to get collision coverage. While this is not required, it pays for the damage to your own vehicle.

Get Auto Coverage

When you need auto insurance, call us today at AAIGOT Insurance Agency Inc in Houston, TX.

How Do I Choose The Right Commercial Insurance Policy For My Business?

First, you need to find the best insurance for your business. There are thousands of business insurance companies in the United States, Canada, and around the world that offer policies that can help you choose the right one for your business. You can choose from a variety of different providers, but remember that you should look for companies that have a good credit score and that have experience with your business. AAIGOT Insurance Agency Inc in Houston, TX can offer guidance. 

Commercial Insurance Policy: What You Need To Know

There are different types of commercial insurance, and each of them is different from one another. There are also various levels of premiums that can be paid, depending on the specific risk your business takes. If you’re an online business, you have a number of options, such as online sales, online service, or online advertising. 

If you’re in the retail business, you have a number of options, including traditional product lines and online channels. If you’re in the media, you have a number of options, such as traditional product lines and social media channels. One that suits your business model needs is the best fit. 

Decide which commercial insurance you need. It’s also important to consider the cost of commercial insurance versus individual liability insurance. It might seem like a good idea at first, but you should be aware that your commercial insurance is not a guarantee against every risk your business might face. 

Give Us A Call

There are many different types of commercial insurance, and it is important to research the different types and policies before deciding which one is right for you. Some policies may provide coverage for just certain types of risk, while others may cover a broad range of risks. For inquiries, contact us today at AAIGOT Insurance Agency Inc in Houston, TX.

How to create a home inventory

Creating a home inventory will make your life easier in the event something happens to your home and you need to file an insurance claim. The inventory is a comprehensive list of what items you have in your home. This helps you know what was there and helps us at AAIGOT Insurance Agency Inc in Houston, TX better help you in the event your items become damaged or stolen. 

Steps for creating a home inventory 

To create your inventory, first, determine how you want to organize the information. Consider using an app that can help you create an inventory for your home in Houston, TX. Check out the one offered by the National Association of Insurance Commissioners (NAIC). It’s free and will help simplify the process of creating your inventory. If you don’t want to use an app, you can make a spreadsheet or document. 

Next, go through your home room by room and make note of what you own, big and small. Don’t forget to look inside drawers and closets. 

It’s also helpful to take pictures of each item. If you know how much each item cost, when you bought it, and where you bought it, that information can be helpful as well. The more information you can add to your inventory, the more likely you will be compensated the right amount for your items. Having a detailed home inventory can also help you get paid faster if you need to make a claim. 

Contact Us Today

As you buy items and add them to your home, remember to add them to your home inventory. If you need help creating an inventory or have questions about home insurance, contact AAIGOT Insurance Agency Inc Houston, TX. We’re happy to help you insure your home and belongings.

How to create a home inventory

Creating a home inventory will make your life easier in the event something happens to your home and you need to file an insurance claim. The inventory is a comprehensive list of what items you have in your home. This helps you know what was there and helps us at AAIGOT Insurance Agency Inc in Houston, TX better help you in the event your items become damaged or stolen. 

Steps for creating a home inventory 

To create your inventory, first, determine how you want to organize the information. Consider using an app that can help you create an inventory for your home in Houston, TX. Check out the one offered by the National Association of Insurance Commissioners (NAIC). It’s free and will help simplify the process of creating your inventory. If you don’t want to use an app, you can make a spreadsheet or document. 

Next, go through your home room by room and make note of what you own, big and small. Don’t forget to look inside drawers and closets. 

It’s also helpful to take pictures of each item. If you know how much each item cost, when you bought it, and where you bought it, that information can be helpful as well. The more information you can add to your inventory, the more likely you will be compensated the right amount for your items. Having a detailed home inventory can also help you get paid faster if you need to make a claim. 

Contact Us Today

As you buy items and add them to your home, remember to add them to your home inventory. If you need help creating an inventory or have questions about home insurance, contact AAIGOT Insurance Agency Inc Houston, TX. We’re happy to help you insure your home and belongings.

Will Auto Insurance Cover My Cracked Windshield?

A cracked windshield is a common problem that many drivers run into at one point or another. Regardless of whether your cracked windshield is a result of an accident or just old glass, for many, it must be repaired in order to pass a state inspection and to see clearly. However, if the crack isn’t severe, your car may pass a state inspection. However, when it comes to repairing a windshield, many drivers may wonder if a cracked windshield is covered by their auto insurance.  

Will Your Auto Insurance Cover a Cracked Windshield?

It depends.  If you only have liability insurance, your cracked windshield won’t be covered. Liability insurance is designed to pay for repairs and damage/injury to someone else’s property, person, or vehicle. However, our team at AAIGOT Insurance Agency Inc can help Houston, TX drivers get coverage that will pay for a cracked windshield. Of course, you’ll have to purchase more than just liability insurance to have coverage for your cracked windshield. Auto liability insurance isn’t designed to pay for your cracked windshield. You will have to invest in more than auto liability insurance to obtain coverage for a cracked windshield. 

Comprehensive Insurance

Liability insurance won’t cover your cracked windshield but comprehensive coverage will. Comprehensive auto insurance is designed to cover damage that isn’t the result of a collision. For example, comprehensive insurance covers hail damage, vandalism, theft, and even damage caused by the impact of hitting an animal. This type of insurance would even provide coverage for damage to your windshield. A cracked windshield could be covered by comprehensive auto insurance.

Contact Us Today

If you’re a Houston, TX driver that has more questions regarding comprehensive coverage, give us a call at AAIGOT Insurance Agency, Inc. We can answer all of your questions. 
 

How To Choose the Right Home Insurance

Most people don’t know where to start when it comes to home insurance. There are so many different types of policies and coverage options available that it can be overwhelming trying to figure out which one is right for you. But don’t worry, AAIGOT Insurance Agency Inc in Houston, TX is here to help. In this post, we’ll give you some tips on choosing the right home insurance policy for your needs. 

How To Choose the Right Home Insurance

One of the first things you need to do is figure out what type of coverage you need. Home insurance policies can cover things like damage to your home, personal belongings, and liability. You’ll need to decide which of these types of coverage is most important to you and get a policy that offers them.

Next, you need to consider how much coverage you need. This will depend on the value of your home and belongings as well as the amount of risk you’re willing to take on. If you have a high-value home, you’ll need more coverage than someone with a lower-value home. And if you’re not comfortable taking on a lot of risk, you’ll want to get more coverage than someone who is okay with a little bit of risk.

You’ll also need to consider additional riders or endorsements that can be added to your policy. These can cover things like jewelry, art, or collectibles. If you have any of these items, you’ll want to ensure they’re covered in your policy.

Finally, you need to think about the deductibles. This is the money you have to pay out of pocket before your insurance policy kicks in. The higher the deductible, the lower your premium will be. But you need to make sure you can afford the deductible if something happens.

Once you’ve considered all of these factors, you’ll be well on your way to choosing the right home insurance policy for your needs. If you have any questions or need help getting started, AAIGOT Insurance Agency Inc in Houston, TX is here to help. Give us a call, and we’ll be happy to help you get the coverage you need.

 

Texas commercial insurance ABCs

AAIGOT Insurance Agency Inc is here to help the Houston, TX metro business owners with their commercial insurance needs. Owning a business in Texas takes a lot of hard work and dedication. Working with our firm helps make the entire insurance process a lot less stressful!

Learn more about commercial insurance today

When you own a business, you know how difficult it can be to maintain a successful operation. Because success is so hard-fought, it only makes sense to protect it! 

With the right commercial insurance policy, you can rest assured that your business has the coverage it needs. Whether your primary concern is inventory, business interruption, or protecting your commercial fleet, a commercial insurance policy is likely available that will meet your specific needs.

Ensure that you review your policy regularly because as your business grows and changes, so will your insurance needs. It is advisable to review your policy at least once a year and make any necessary changes to fill any gaps in coverage. With the right insurance policy, you can focus on your core business. 

A qualified and experienced agent specializing in commercial insurance is a great resource for getting and maintaining the coverage that will protect your company now and well into the future.

Give us a call today!

If you are a business owner in the greater Houston, TX area, you can rely on the team at AAIGOT Insurance Agency Inc for all of your commercial insurance needs. Call our office today to schedule a consultation. We look forward to working with you!

Auto insurance add-ons you may want to add to your policy

When you drive a car, it is your responsibility to make sure that you can pay for any damage to other people and their vehicles in the event you cause an accident. Texas does not require that you carry insurance. However, you are still responsible for any damage you cause. You must show proof you can pay for the damages. Having auto insurance makes it easier to prove that you can indeed pay. At AAIGOT Insurance Agency Inc in Houston, TX, we will make sure you get the auto insurance that is right for you. 

Roadside assistance

What could be worse than having your car stop working and being forced to sit alongside the road? If you have roadside assistance coverage, you will be able to call and have your car taken to a service station or if it is something simple like a flat tire or a dead battery, you can be back on the road once assistance has arrived to help. This will also help when you have an accident to get your vehicle to the body shop. 

Gap Coverage

When you drive your new car off the lot, it immediately loses value. If you have an accident within a short time after purchasing your vehicle, the value that the insurance company gives for the vehicle may not match what you owe to your auto lender. You would end up with no car and still owing money if you didn’t have gap coverage. 

Glass Coverage

If you don’t have comprehensive coverage on your vehicle, you can still opt for glass coverage. This will pay to repair or replace your windshield if it is damaged. It is inexpensive and worthwhile coverage. 

Contact AAIGOT Insurance Agency Inc in Houston, TX to discuss your auto insurance with one of our experienced team members.

Commercial Insurance Basics To Remember

AAIGOT Insurance Agency Inc serves the Houston, TX community. For over 25 years, we have helped local residents find coverage. We work closely with multiple carriers throughout the state. We help our clients find the policies they need to protect their assets. Our policies provide flexibility and adapt to life’s changes. We look forward to helping you find the coverage you need.

Commercial Insurance Basics To Remember

The Houston, TX marketplace is competitive. As a business owner, you are constantly looking for ways to stand out from the competition. As you brainstorm your next strategy, consider the benefits of commercial insurance. Commercial insurance is designed to protect your business in emergency situations. You are covered if something happens to your equipment or inventory. This gives you peace of mind if an accidental fire occurs or your business is the victim of a break in.

Liability insurance is important. Liability insurance covers your business if one of your customers is injured while visiting your store. You are also covered if a customer decides to pursue legal action against your business based on allegations that your products caused them harm. Liability coverage acts as a safety net against potential legal issues.  

Commercial insurance also covers any damage to your property. Texas is vulnerable to severe weather at any moment. If a hurricane or tornado moves through the area and damages your property, you can add interruption coverage. Business interruption coverage allows your business to continue functioning until the necessary repairs are made to your property.

Worker’s compensation is another significant part of your policy. Worker’s compensation covers any medical treatment for your employees if they are injured in the workplace.

AAIGOT Insurance Agency Inc Will Help You Protect Your Investment

Visit our website to learn more information about commercial insurance.

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