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Featured Insurance Blog

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How to Navigate Home Insurance When Renovating or Expanding Your Home

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Renovating or expanding your home can be an exciting endeavor that provides a more enhanced living space and can significantly increase your property’s value. However, amidst all the excitement, it is essential not to overlook the necessary adjustments required for your insurance coverage. With the increased value and complexity of renovations, your insurance policy may need an upgrade to protect your investment effectively. Here at AAIGOT Insurance Agency Inc., located in Houston, TX, we offer comprehensive home insurance to help safeguard your improved home.

Understanding the Impact of Renovations on Home Insurance

Renovations and expansions, whether major or minor, can alter your home’s value and risk profile. An updated kitchen, a new addition, or even high-end features and finishes can directly increase your insurance needs.

Exploring the Types of Renovation Projects and Their Insurance Implications

Understanding the various types of renovation projects and their impact is crucial to ensuring that your policy is up-to-date and provides adequate coverage.

The most common types of renovation projects include:

Minor Renovations

Minor renovations such as painting improvements or landscape changes usually do not significantly impact your home insurance.

Major Renovations

Major renovation projects, including kitchen, remodels or the addition of new rooms can significantly affect your home’s value and risk level. These more extensive projects often require additional insurance coverage to protect against increased risks.

Structural Changes

Structural alterations to your home, such as foundation updates, adding levels, or similar major updates, invariably necessitate changes in your insurance coverage.

Importance of Updating Your Home Insurance Plan

Before diving into a new home improvement project, it’s prudent to consult your insurance provider. Inform them of your renovation plans and discuss any necessary adjustments to your policy to ensure it reflects the changes in your home’s value and risk.

How AAIGOT Insurance Agency Inc Can Help

We at AAIGOT Insurance Agency Inc. are committed to helping homeowners in Houston, TX, and the surrounding areas safeguard their investments. With our team of insurance experts, you can ensure your home is well-protected. Get started with us today.

Should I get collision and comprehensive auto insurance in Houston?

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When you are in the Houston, TX area, you will find that being a car owner is a good idea. As a vehicle owner, you will have to obtain insurance as well. One option to consider when looking for insurance here is to get collision and comprehensive coverage. There are many factors to consider when determining if you should get collision and comprehensive auto insurance in this area. 

Requirements

When considering collision and comprehensive auto insurance in this area, you need to consider your requirements. For many drivers in this area, this type of coverage is actually required by auto lenders. If you have a loan outstanding, your lender will want to know that their loan collateral is covered and protected. To do this, they will require you to have a certain level and type of coverage and to maintain a reasonable deductible. 

Finances

It is also important to consider your finances when determining if a collision and comprehensive auto insurance plan is adequate. If you have a car you rely on, it is important to know that you can repair or replace it if you incur a loss. When you have a full insurance plan, you can be assured that you have these financial resources through your coverage. 

If you are looking for a new auto insurance plan in the Houston, TX, area, it would be a great idea to call our team at AAIGOT Insurance Agency Inc. Our team of professionals knows how vital coverage is. They will offer guidance on what you need to build your next plan. This can help ensure that you remain appropriately insured at all times. 

How Does Commercial Insurance Work from AAIGOT Insurance Angency Inc.

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The complex terrain of commercial insurance requires a deep understanding of how various policies align with specific business needs and industry standards. At AAIGOT Insurance Agency Inc. in Houston, TX, we are well-versed in commercial insurance and are committed to helping our clients find the right coverage for their unique circumstances. Our team of experienced agents works closely with businesses of all sizes to assess risks, recommend appropriate policies, and provide ongoing support in the event of a claim.

How Does Commercial Insurance Work?

A crucial safeguard for companies of all sizes, commercial insurance offers protection from risks that could otherwise threaten their operations. By paying a premium to an insurance provider, companies can transfer the financial burden of potential losses to the insurer. Depending on the policy purchased, commercial insurance can cover risks such as property damage, liability claims, and business interruption due to unforeseen events.

One key aspect of commercial insurance is its customizability. Businesses can tailor their coverage to suit specific needs and industry requirements. This flexibility enables companies to address their unique risks effectively while ensuring that they are neither over-insured nor under-insured. Additionally, working with experienced insurance agents or brokers can help businesses navigate the intricacies of commercial insurance policies and make informed decisions about their coverage options. A comprehensive understanding of how commercial insurance works empowers businesses to protect themselves against potential financial setbacks, enabling them to focus on their core activities without fretting over uncertain events.

Contact AAIGOT Insurance Agency Inc. in Houston, TX for Commercial Insurance

At AAIGOT Insurance Agency Inc., we understand the importance of commercial insurance. We specialize in all types of coverage to meet your needs. Contact us today to schedule an appointment with an agent and learn more about commercial insurance.

Safeguard Your Home Against Houston’s Natural Disasters with Home Insurance

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Houston, TX is a bustling metropolis well-known for its vibrant culture, booming economy, and good quality of life. This family-friendly city is not immune to the devastating effects of nature and its tumultuous storms, including severe thunderstorms spawned by hurricanes, tropical storms, tornados, and extreme heat. 

The guide below from AAIGOT Insurance Agency Inc. offers a few common-sense tips to safeguard your Houston home from nature’s fury. 

Safeguard Your Home Against Natural Disasters with Home Insurance 

Houston’s unique geographical location aligns it with a range of devastating storms and natural disasters that can lead to financial losses for homeowners. Disaster-related costs can include home repair, evacuation, flooding, and financial losses from total home destruction due to heavy winds or extensive flooding. 

A comprehensive home insurance policy can shield residents from the catastrophic fallout left behind by natural disasters. Wide-ranging policies can provide homeowners with crucial financial protections, including the following. 

  • Standard Home Insurance Coverage 
  • Windstorm Protection 
  • Hail Coverage
  • Flood Insurance 
  • Structural Damage Coverage 
  • Home Foundation Coverage

The best way to learn which home insurance policy is best for you is to get advice from a licensed and knowledgeable insurance professional who understands the unique needs of local residents. Friendly insurance agents at AAIGOT can offer home insurance advice, help you choose the right insurance policy, and offer general insurance advice for bundled policies, including home, auto, renters, umbrella, and commercial insurance. 

Please don’t wait until it’s too late to secure your most prized possessions and valuables from the devastating effects of natural disasters. Contact an AAIGOT Insurance Agency Inc. insurance agent in Houston, TX, and get a comprehensive home insurance quote today!

Do I Need a Special Auto Insurance Policy for a Ferrari?

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Purchasing a vehicle is an investment that many people look forward to. It can be exciting to test drive multiple cars before deciding on the perfect choice. However, if you’re purchasing a Ferrari, the event is taken to the next level, as this is a truly rewarding and once-in-a-lifetime event. A Ferrari is a dream vehicle for most people, and if you’re lucky enough to purchase one, you definitely want to ensure it’s adequately insured. You might wonder if you need special auto insurance for your new sports car. Here is a brief overview that explains the insurance requirements for such a high-caliber vehicle:

Ferraris are in a Different Class

If you want to ensure the best coverage for your Ferrari, you need to look into specialty insurance. Most people don’t drive their Ferraris daily and are typically only driven for special occasions. Therefore, these high-end vehicles are often considered collectors, so special coverage is required. 

Most Conventional Auto Insurers Won’t Cover High-End Vehicles & Vice Versa

Your typical insurance agency won’t offer coverage for a vehicle like a Ferrari, and specialty insurers usually don’t cover traditional vehicles. So, before you drive your new exotic car off the lot, finding a specialty insurer in advance is a good idea. The insurer will explain their coverage, costs, and more, so you will know exactly what to expect.

Whether you need insurance to cover your primary vehicle that you drive daily or your brand-new Ferrari, and you’re a Houston, TX resident, you should contact us at AAIGOT Insurance Agency Inc. Not only do we provide coverage for vehicles in the Houston, TX area, but we also provide the best customer service, the most knowledgeable agents, and top-quality coverage. Contact us at AAIGOT Insurance Agency Inc today for a quote. 

Reducing Risk: Ways Your Business Can Plan for Disasters

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In the AAIGOT Insurance Agency Inc. blog in July 2023, we discussed how hiring practices and commercial insurance purchases can help reduce your Houston, TX, business risk. In this blog, we’ll cover how writing an emergency response and business continuity plans can also reduce your business risk.

Business Risk Defined

Investopedia defines business risk as any factor that could lower a business’ profits or cause it to file for bankruptcy. Both internal and external factors qualify as business risks. Although a company cannot avoid all risks, each business can mitigate the threats it faces.

Risk Identification

You can’t protect your business against what you don’t know exists, so the first step in building risk resiliency comes from risk identification. Conduct a risk assessment that identifies all the perils your business faces. Perils businesses face go beyond the physical, such as tornadoes and floods, and extend to factors like embezzlement, fraud, and reputation attacks. The Federal Emergency Management Agency (FEMA) website ready.gov provides businesses with free tools to help with risk identification.

Addressing Risks

Once you uncover the possible perils your business faces, develop response plans. Write an emergency response plan for physical perils that could damage your place of business or employees, such as fire or hurricane. These plans contain emergency scenarios, identify resources available for response, and include protective actions that preserve life and safety, such as an evacuation plan.

The response plans your business develops should also include a business continuity plan. This type of plan ensures that your company can continue operating during a peril or hazard. A business continuity plan addresses more than physical threats. It also includes your business’ responses to hackers, fraud, embezzlement, and other negative situations. Your business continuity plan would instruct employees on quickly transitioning from doing business from the office to operating at an alternative location or from home/sheltering locations.

Training Staff

Researching and writing the plan completes only half of the preparation process. After developing the plan, you train all staff on implementing it. From entry-level interns to CEOs, all employees complete training to know what to do in an emergency.

Testing the Plan Responses

Remember the fire drills of grammar school days? Those wonderful moments of getting out of a monotonous lecture served a valid purpose. Each school tested its emergency evacuation plan, which it made so simple that, quite literally, a small child could follow the instructions and reach safety. Test your emergency response plans and business continuity plans in the same way. Testing plans uncover problems or mistakes in theoretical planning that you amend.

Contact Us Today

Commercial insurance should form the cornerstone of your business risk response, but every business needs a response and business continuity plan. Let AAIGOT Insurance Agency Inc. help you protect your Houston, TX, business against risk. Turn to a business continuity specialist or hazards plan consultant to identify your business risks and create actionable plans to reduce your business risk and protect your staff.

My dog bit my neighbor. Will homeowners insurance pay for medical care for my neighbor?

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Homeowners insurance includes many different forms of coverage. It’s designed to cover different areas of homeownership, from your home’s foundation to liability issues. Many homeowners would agree that homeownership comes with many different responsibilities, and the unexpected should be expected. Our AAIGOT Insurance Agency Inc. team is committed to helping Houston, TX, homeowners understand the various insurance benefits and get the coverage they need. 

What does homeowners insurance cover?

Homeowners insurance covers your home’s interior, exterior, foundation, plumbing, electrical, all the structures on your property, and more. It also provides liability coverage for anyone who is injured on your property and anyone whose property is damaged while at your home. It is comprehensive coverage designed to meet a myriad of different needs. Of course, guidelines detail the terms of coverage. As long as any damage to your home or any circumstance meets the coverage guidelines of your homeowner’s policy, you’re covered for repair or replacement. There are some situations that homeowner’s insurance typically doesn’t cover. For example, damage caused by normal wear and tear or negligence is generally not covered by homeowners’ insurance. Also, homeowners’ insurance doesn’t cover some forms of foundation damage. Your insurance agent can discuss what your homeowner’s policy covers and does not cover. 

My dog bit my neighbor. Will homeowners insurance pay for medical care for my neighbor?

Yes. Your homeowner’s policy will likely cover your neighbor’s dog bite with your liability coverage. This coverage provides medical care for anyone injured on your property. Liability coverage also includes repairing or replacing if you damage someone’s property. Your homeowner’s policy covers many different circumstances as long as these situations meet the coverage guidelines of your policy. If you have questions regarding the benefits of homeowners insurance, call us. We’d be happy to answer your questions. 

Am I Required to Get Auto Insurance?

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Auto Insurance and How It Protects You on the Road

Auto insurance is a requisite to operate a vehicle and operates as a blanket of protection for drivers. Many specifics of this requirement depend on various factors, and every car owner, irrespective of the vehicle they drive, essentially needs a car insurance policy. As your trusted insurance agents at AAIGOT Insurance Agency Inc., strategically located in Houston, TX, we offer bespoke advice on the optimal auto insurance product for you. We’re always at your disposal to clarify your queries, and our aim is to drive informed decisions.

Is Auto Insurance an Absolute Must?

Unmistakably, auto insurance is a critical requirement for every driver. When making your first car purchase, it’s compulsory to present proof of insurance before you whisk away the vehicle off the dealership premises. Every state has specific mandates about the extent of required insurance. Most states necessitate liability-only insurance, a variant of auto insurance that exclusively provides coverage for repairs to the other vehicle when you’re at fault during an accident.

If you plan on securing a car loan, your lender might require you to opt for comprehensive auto insurance. This type of coverage is more all-encompassing, catering also to your vehicle’s repairs in the event of an accident, irrespective of who is culpable.

What Type of Auto Insurance Is Best For You?

For every motorist on the road, the question isn’t about having car insurance—the question is which type is suitable. If your lender stipulates comprehensive auto insurance, that decision is premeditated. But, if you’re hesitating about the optimal type of auto insurance for your needs, feel free to reach out to your advisors at AAIGOT Insurance Agency Inc., serving Houston, TX. We’re here to answer your inquiries and to steer you toward the most fitting insurance policy.

Commercial Insurance Coverage For A Warehouse Setting

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Owning and operating a warehouse in Houston, TX requires that you carry adequate insurance coverage. Review some guidelines that will familiarize yourself with the coverage you need. Reach out to an agent who represents AAIGOT Insurance Agency Inc. for guidance regarding your insurance policy.

Inventory

Your inventory is essential in keeping your business afloat. If you purchase many materials that are needed to manufacture goods, they should be insured. The finished products that are sold through your business should also be insured.

Transport Essentials

If you use your fleet vehicles to transport goods, you need to make sure that each of your vehicles is equipped with insurance coverage. Coverage will protect against theft, damage to goods, damage to your vehicles, and damage to another person’s vehicle or property. The route that your vehicles travel could affect the type of insurance coverage that you need.

Onsite Accidents

Accidents can occur on the premises where your warehouse is located. You should purchase workers’ compensation insurance. This type of insurance will pay for injuries that occur at your place of business.

The size of your business will affect the type of insurance you need. The type of work that is done within your warehouse will also influence the amount of coverage that is essential.

Security

Adding security aids to your building can reduce the likelihood of needing to file an insurance claim. Commercial-grade lighting, alarms, and surveillance equipment will protect your place of business in Houston, TX. These items will also protect you and your workforce.

We Are Here To Help

 AAIGOT Insurance Agency Inc. will outline the commercial insurance plans that you can select from. Reach out to us today!

Is Work From Home Covered by Home Insurance?

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In recent years, there has been an increase in Texas employees working from home. Whether an employer allows remote work or you are operating your own business from home, it’s essential to know if work from home is covered by home insurance. For individual circumstances, it’s best to contact your agent at AAIGOT Insurance Agency Inc. serving Houston, TX. But in general, here is what you need to know.

Work From Home is Different Than a Home Business

There’s an important distinction between working from home and a home business. Work from home implies you’re employed by an outside company, while a home business implies you’re working for yourself. In a work-from-home situation, your work devices, such as laptops, printers, phones, etc., may be owned by the company and covered by the company’s insurance. With a home business, your work devices and equipment would be owned by you, and you would be responsible for coverage.

Home Insurance May Not Cover Business Equipment

Each case is different, but in general, business equipment and electronic devices would be best covered by separate business insurance. This would help to ensure that purely business-related losses, such as data loss may be covered by your insurance. Otherwise, there’s a chance that you could face an unrecoverable loss.

Consult With Your Insurance Representative at AAIGOT Insurance Agency Inc

If you’re in a work-from-home situation, you should definitely consult with your insurance representative to confirm what work-related items are covered and what isn’t. You should also confer with your employer to see if they offer coverage for company devices you use at home.

For all your home insurance needs, contact AAIGOT Insurance Agency Inc., serving the needs of residents of Houston, TX, and surrounding areas.

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