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Featured Insurance Blog

What Are the Four Major Categories of Coverage in Homeowners Insurance?

Are you looking for comprehensive coverage for your home? The right home insurance can cover your home, belongings, and other structures. It also covers liability for injuries and property damage to visitors for covered events and accidents in your house. To learn more about homeowners insurance, keep reading and make an appointment with the helpful agents at AAIGOT Insurance Agency Inc in Houston, TX.

Home Insurance: 4 Major Categories 

1. Dwelling Protection

Dwelling protection covers the structure of your house, including the walls, roof, and foundation. This includes the deck, garage, and other structures attached to the home. 

2. Other Structures Protection

This insurance covers damages to your shed, fence, detached garage, and other structures not attached to the main property. It’s typically capped at a percentage of your total insurance, as determined in your policy.

3. Personal Property Protection

Someone breaks into your house and steals your computers and TV. A fireplace fire damages your new living room set. What can you do? With personal property protection, you simply call your insurance company to file a claim. Find out how to determine how much personal property protection you need when you meet with your insurance agent. Some items, such as jewelry, may exceed the value of your regular coverage, so discuss additional protection with your representative.

4. Liability Protection

When you have guests over, you aren’t thinking about accidents that result in liability. Fortunately, with personal property protection, you don’t have to. If someone trips over a crack in the driveway or falls due to a broken porch step, you could end up footing the bill. Bodily injury coverage may pay for legal expenses and medical bills if the courts find you’re at fault. Typically, it also covers property damage for guests and visitors for covered events. However, it’s important to thoroughly understand what your policy pays for. 

Reach Out To Us

Contact AAIGOT Insurance Agency Inc to learn more about the homeowners’ policies available in Houston, TX.

How to prepare your car for winter weather

Winter weather can be rough on your car, but with a few simple steps, you can make sure your vehicle will last through the cold season here in the Houston, TX area. Here are some tips from us at AAIGOT Insurance Agency Inc to help prepare your car for winter weather.

How to prepare your car for winter:

1. Clean and service the exterior of your car:

Snow and ice can be damaging to the paint, so you’ll want to make sure it’s in top condition before winter arrives. Give it a good wash and wax job, and inspect for any signs of damage from hail or other hazards. 

2. Check tire pressure and tread depth:

As temperatures drop, tires can lose air pressure quickly. Make sure to check the pressure regularly throughout winter, as well as look for signs of wear and tear that may require replacing soon. 

3. Top off fluids:

You should always keep an eye on the oil level in your car, but it’s especially important during colder months. Make sure that all fluid levels are topped up, including antifreeze, brake fluid, power steering fluid, and transmission fluid. 

4. Change wiper blades:

Visibility is key to staying safe on the roads in winter so old or damaged wipers do not give you a clear view of what lies ahead on the road surface! Replace them now before they start smearing snow and ice across the windshield instead of clearing it away. 

Give Us A Call

With these simple steps, you’ll have peace of mind knowing that your car is ready for whatever winter throws at it! For more tips, or to discuss your auto insurance and find one that is right for you, call us at AAIGOT Insurance Agency Inc today. We proudly serve the Houston, TX area.

Tips to prepare your business for a storm

With winter officially upon us here in the Houston, TX area and the potential for severe weather events looming, it’s important that all businesses take steps to ensure they are adequately prepared for a storm. Here are some tips from us at AAIGOT Insurance Agency Inc to help you get your business ready.

Preparing Your Business For A Storm

1. Make sure all outdoor furniture and equipment are secured or stored away in a safe location. This includes patio furniture, planters, grills, and any other items that could be damaged by high winds or heavy rains. 

2. Check your roof and windows for any signs of damage or wear that might make them vulnerable in a storm. If you find anything suspicious, contact a professional right away to have it repaired before conditions worsen. 

3. Trim trees around your business premises to reduce the risk of falling branches during high winds or storms. 

4. Check that your backyard drains and gutters are clear of debris so water can flow freely during heavy rains and floods. 

5. Consider investing in an emergency generator so you can keep operations running even if there is a loss of power due to a storm. 

6. Stock up on supplies like flashlights, batteries, nonperishable food items, and bottled water in case you need to shelter in place due to bad weather conditions outside. 

Get Commercial Insurance For Your Business 

By taking these proactive steps now, you can give yourself peace of mind knowing that your business is as prepared as possible for whatever Mother Nature throws its way this winter season! Make sure to get insurance coverage to maximize protection. For more winter weather tips, call us at AAIGOT Insurance Agency Inc today. We proudly serve the Houston, TX area.

Home Insurance And Medical Liability

Homeowner’s insurance coverage is a lifeline for anyone who owns a home. When you have homeowner’s insurance, you’re protected against your belongings and your house costing you everything in a fire or a burglary. When you think of homeowner’s insurance, you think of that.

But homeowner’s insurance also protects you from liability. If a guest in your home gets injured, you could be facing a lawsuit and significant settlements or judgments against you, especially if lost wages come into the picture. At the same time, there are certain waivers of responsibility that are important to know. AAIGOT Insurance Agency Inc serving Houston, TX can help you with questions about your home insurance.

What Does Home Insurance Cover

Medically speaking, home insurance covers liability for accidents on and around your property. If you have a guest in your home who chokes and needs medical attention, if they decide to sue you after they recover, you may be able to use your liability coverage to ensure that your responsibility is covered, avoiding damage to your finances.

Limitations

There are certain situations that homeowner’s insurance won’t cover in medical liability. First, homeowner’s insurance only covers liability. It’s not a substitute for health insurance – so make sure you have that covered as well. It also doesn’t cover injuries or damage resulting from drug use, another good reason to ensure that you and all your guests are drug-free. With this handful of rules and limitations, you should be covered in most cases.

Next Steps With Us

Take your next steps by protecting your home and all the people in it, whether they’re family members or guests. Call, click, or stop by AAIGOT Insurance Agency Inc serving Houston, TX for a free, no-obligation quote on a new homeowner’s insurance policy today.

The Importance of Safe Driving Habits: What You Need to Know

According to the Association For Safe International Road Travel, over 45,000 traffic accident fatalities occur annually in the United States. We at AAIGOT Insurance Agency Inc know this number could be much lower if more people drove safely. While many people around Houston, TX take driving for granted, it is a skill that needs to be continuously practiced to avoid accidents.

Below are some essential factors you need to know:

The Dangers Of Distracted Driving

Distracted driving is a significant issue on today’s roads. Anything that takes your attention away from driving can be a distraction and increase the chance of a motor vehicle crash.

According to 2020 NHTSA statistics, a significant percentage of accidents occur when drivers are distracted. This is why it is so important to avoid all distractions while driving. If you need to complete a task, pull over and stop moving. Store or silence your cell phone, and ask passengers for help if necessary. By being aware of the dangers of distracted driving and avoiding it, you can help make the roads safer for everyone.

The Importance Of Wearing A Seatbelt

Seat belts are one of the most critical safety features in a vehicle. Wearing a seat belt can significantly reduce the risk of death or severe injury in a car crash. Seat belts keep occupants securely in their seats during a collision, preventing them from being ejected from the vehicle. Airbags are also crucial for occupant safety, but they cannot work alone. Seat belts and airbags work together to provide the best possible protection in a crash.

The Risks Of Speeding

The risks of speeding are well-documented and can have serious consequences. Speeding increases the chance and severity of accidents and can lead to costly speeding tickets and increased insurance rates. In addition, speeding can cause wear and tear on your vehicle and increase fuel costs.

Get Auto Insurance Today

AAIGOT Insurance Agency Inc in Houston, TX offers auto insurance. We have a wide range of options, and our experienced staff is always on hand to help you find the right policy for your needs. Contact us today to get started.

Does my hobby ranch need commercial insurance?

There’s nothing like owning a bit of land a few miles outside Houston, TX. Whether you’re raising a few animals or just enjoying the peace of small-town living, a hobby ranch can be a great way to relax and unwind. AAIGOT Insurance Agency Inc wants to make sure you have the insurance coverage you need.

Commercial Insurance for Your Ranch Property

Even if you’re not running a business on your ranch, you still need to protect your property with commercial insurance. That’s because standard homeowner’s insurance policies come with some pretty big exclusions regarding rural property, such as livestock and outbuildings. So, if you want to be sure your property is fully protected, commercial insurance is the way to go.

What Does Commercial Insurance Cover?

Commercial insurance for your ranch can cover various things, including the main dwelling, any outbuildings, livestock, and even personal liability. That way, if there’s ever an accident on your property or someone is injured, you won’t have to worry about being held financially responsible.

Finding the Right Commercial Insurance Policy

Not all commercial insurance policies are created equal, so it’s important that you take the time to find one that meets the specific needs of your ranch. Working with one of our agents can be a great way to make sure you’re getting the coverage you need at a price that fits your budget.

Contact AAIGOT Insurance Agency Inc Today

If you own a hobby ranch near Houston, TX, commercial insurance is a must to protect your property from any potential risks. From protecting your dwelling and outbuildings to covering your livestock and personal liability, commercial insurance can give you peace of mind knowing that your property is fully protected.

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.

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