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6633 Hillcroft Ave,
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Houston, TX 77081

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Featured Insurance Blog

When should you review your auto insurance coverage

With almost 700,000 miles of roads, Texas is the most drivable state in the union. Before you hit the road, you need to make sure you comply with the laws of the state of Texas. At AAIGOT Insurance Agency Inc in Houston, TX, we make sure all of our customers have the auto insurance they need. With more than 35 years of experience, we have the expertise you expect from your independent insurance professional.

Renewal

Most auto insurance policies renew either yearly or bi-yearly. When you receive your renewal, it includes a declaration page. This page gives you a snapshot of your policy. It tells you who is listed on the policy, the vehicles, the amount, and the type of coverage you have. It is the perfect opportunity to get all your policy information at a glance. If your premium seems high, look at the figures and see what may be causing the high rate. 

Adding a vehicle

When you add a vehicle to your policy, it makes good sense to take a good look at your coverage. Consider which vehicle is primary and make sure that is how it is listed. It can make a difference which car is given the top spot. You need to discuss the number of miles each vehicle will be driven in any given year. 

Adding or removing a driver

When you have a young driver who has just gotten a license and will be coming onto your policy, you need to think about ways to make sure this is as inexpensive as possible. Ask your agent for discounts you may be eligible for. 

If it is time for a change or you want to get a free quote, give our office a call or stop by. AAIGOT Insurance Agency Inc in Houston, TX is your locally owned independent agency. 

4 Things Covered by Home Insurance

Given the amount of investment you have put in your Houston, TX home, you wouldn’t want to go without home insurance from AAIGOT Insurance Agency Inc. But before purchasing home insurance, you may want to find out what it covers. Below are 4 things covered by homeowners insurance.

Liability protection

Assume your dog bites a neighbor, or perhaps someone slips in your swimming pool and injures their neck or back. In either case, you will be faced with medical expenses and possible legal suits for alleged negligence. However, the liability coverage in your home insurance pays for medical costs and lawsuits that you would otherwise have paid from your pocket.

And that’s not all. Home insurance pays for damages caused to third parties. For instance, damage to your neighbor’s wall or fire spreading from your home to the nearby homes.

Structure protection

Fire, windstorms, and hails can cause significant damage to your home. When the unthinkable happens, home insurance can save the day by covering repairs or rebuilding your home up to your policy limit. Other structures on your property like the garage, porch, shed, and the fence is also covered in case of damage.

Contents coverage

Home insurance isn’t about liability and structures only. It extends to cover equipment inside your home. Whether damage or loss of your assets is by fire, storms, or theft, home insurance pays for the replacement.

Additional living expenses (ALE)

Suppose fire or a storm damages your home. This unfortunate event may force you to seek temporal shelter in a hotel. In the process, you will incur meals and accommodation expenses that you hadn’t budgeted for. Thankfully, the ALE coverage in your home insurance pays for expenses incurred above your normal spending.

Are you looking for home insurance protection? Don’t hesitate to contact AAIGOT Insurance Agency Inc. of Houston, TX. We will help protect you and your home at an unbeatable price.

 

Commercial insurance will protect your business.

If you own a business in Houston, TX, you have an obligation to your employees and customers to protect it. The Texas state law requires businesses to carry general liability insurance coverage, and if you own or rent vehicles that use a public road, you also need commercial auto insurance. Additionally, for complete peace of mind, AAIGOT Insurance Agency Inc recommends commercial property coverage. Although not a legal requirement, property coverage provides for those unforeseen incidents like vandalism, fire, or theft.

General Liability Insurance

General Liability Insurance protects business owners from third-party liability claims. If your customer’s property is damaged, or they are injured on your premises, or they fall ill after eating your products, the insurance policy will help you pay resulting liability claims. The policy extends to the actions of visitors and sub-contractors. It also covers injury-on-duty claims.

Commercial Auto Insurance

Commercial auto insurance provides coverage similar to personal car insurance. It protects you against accidental damage in a collision. If your driver has an accident on a public road, the policy will cover the driver’s injuries, physical and property damages of the other parties involved, collisions with an uninsured/underinsured vehicle, and even towing or loan vehicle costs.

Commercial property insurance

Protect your business against unexpected expenses if something happens to your physical assets. Often, business owners do not budget for those unforeseen costs. If a vandal breaks your store display window or a fire damages most of your stock, replacement of those items may put a strain on your cashflow. It is especially true of new businesses that do not have cash reserves built up yet.

Don’t risk the future of your business, and contact an AAIGOT Insurance Agency Inc. representative in Houston, TX to help you thoroughly protect your business.

Required Auto Insurance in Texas

There are specific laws about how much auto insurance drivers have to carry on their vehicles in Texas. There are several required types of coverage, and these come with mandatory minimums of coverage. If you need auto insurance, call us at AAIGOT Insurance Agency Inc in Houston, TX to find out more. 

Required Coverage

There is a mandatory minimum amount stated for injury liability in Texas, with a specific minimum for each person who is injured in an accident and another number for all of the people injured in an accident. This pays for the medical bills of those injured. There is another type of coverage required for liability, and that is for property damage. This pays for damage done to another vehicle in an accident that you are found to be at fault for. 

Uninsured Drivers

While many states require you to have coverage in an accident with an uninsured motorist or underinsured motorist, Texas does not require it. It is, however, a good idea to get this kind of coverage. This protects you in case of another driver, without insurance, causing an accident with you. This kind of coverage is often recommended because there is little to no recourse available if someone uninsured were to cause an accident without it. 

Collision Coverage

Another type that is highly recommended is collision coverage. This pays for your vehicle if it is damaged in an accident that was caused by you. The property damage coverage is for others’ vehicles- not yours. Only collision coverage pays for yours. 

Get Your Texas Auto Insurance

Don’t go without the required amount of auto insurance. Call us at AAIGOT Insurance Agency Inc. in Houston, TX to talk to an agent about auto coverage and learn how to get a quote.

Why Small Business Owners In Texas Should Research Commercial Liability Coverage

AAIGOT Insurance Agency, Inc. proudly serves the Houston, TX community by offering residents multiple insurance coverage types. We strive to make sure that our clients find policies that will directly meet their individual needs. We have developed successful partnerships with several insurance carriers throughout Texas.

Benefits of Commercial Liability Coverage

If you are a small business owner in the Houston, TX community, commercial insurance will help you secure your business’s future. The policy is especially beneficial if you find yourself involved in a potential dispute. Commercial liability coverage can protect your business in multiple ways.

The policy would cover your business if someone were injured on your property. If you have many customers who come to your store, there is the possibility that an accident may occur and someone falls. This is also true for your employees, as you will be protected if one of your employees gets injured in the workplace. The policy also covers your business if someone is injured due to defective equipment or an equipment malfunction. Commercial liability coverage is an asset that you can rely on during periods of inclement weather when the risk of an accident occurring are much higher.

If you are operating a business in the public relations industry, commercial liability coverage is an asset because your business is protected against multiple risks. While there may be a miscommunication, working in the public relations industry can cause potential slander or copyright infringement allegations. If you are potentially held liable in any of these situations, commercial liability insurance will protect you.

AAIGOT Insurance Agency, Inc. Will Help Your Business Navigate Risks

Contact our office today to learn more information about commercial insurance.

Should I get home insurance in Houston?

Anyone that lives in the Houston, TX area should consider buying a home. If you are a home buyer here, you can benefit greatly from long-term price appreciation and will also enjoy having a consistent and stable place to live. When you are going to buy a property here, you should spend time assessing your insurance needs. There are several reasons that you should get a home insurance policy in this city. 

Insurance Protects Most Valuable Asset

The most important reason someone should get a home insurance policy in this area of Texas is that it will protect their most valuable asset. When you purchase a home, you will be getting an asset that could appreciate and help you build long-term equity. Due to this, you should look for ways to protect it. The best way you can do this is with home insurance, as it will give you coverage to repair or even replace it.

Insurance is Required

It would be best to have home insurance because it will normally be a requirement for you to have. Any mortgage lender usually requires a home insurance policy, and those that are part of an association will have insurance requirements in their bylaws. This coverage can provide someone with the protection that they need to stay in compliance.

Those looking for home insurance in the Houston, TX area should call AAIGOT Insurance Agency Inc. There are a lot of important factors that need to be considered when you are picking a new policy. The team at AAIGOT Insurance Agency Inc. can help you better understand and evaluate all of your options. This will help ensure that you can get into a policy that will offer you the right type and level of coverage. 

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