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6633 Hillcroft Ave,
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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.

When You Should Consider Updating Your Home Insurance Policy

When it comes to home insurance, one of the most common mistakes Houston, TX homeowners make is purchasing an insurance policy, tucking it away, and never giving it another thought. However, over time, situations will change and your coverage needs will change. Because of this, it is imperative to review your policy annually and make changes as necessary. If you fail to do this, you may leave yourself vulnerable and inadequately protected. AAIGOT Insurance Agency Inc wants to share a few situations in which you should consider updating your home insurance policy.

When You’re Remodeling

A number of remodeling projects can impact your insurance coverage. For instance, adding an addition or renovating the kitchen could improve your property value. As such, you will need to increase the amount of protection to ensure you receive enough to rebuild should disaster strike. Some other projects like installing a swimming pool could increase the liability limits of your policy.

When You Make a Large Purchase

One of the great things about home insurance is that it will cover the cost to repair/replace your personal possession if damaged or stolen under a covered event. However, keep in mind your standard home insurance policy will only offer this coverage up to a certain amount. If you require more, you will need to purchase an endorsement. So, make note of all of your high-value assets like artwork and jewelry and determine just how much coverage you need.

When You Install a Security System

As a general rule, you can get a discount on your homeowner’s insurance policy when you have a security system installed in your home. This is because you have taken additional measures to improve the safety and security of your home. So, if you have installed a security system or done anything else that could improve the safety and security of your home, review your coverage to ensure you’re not missing out on anything.

When you have questions about home insurance or would like to sit down with an agent to review or update your policy in Houston, TX, reach out to the team at AAIGOT Insurance Agency Inc.

What auto insurance is required in Texas

With almost 18 million drivers. Texas is only surpassed by California when it comes to the total number of drivers. There are a lot of people on the roads, even with all the wide-open spaces Texas is famous for. At AAIGOT Insurance Agency Inc in Houston, TX, our hallmark is providing top-notch service, quality products, and affordable prices. We have been servicing the Houston area since 1985. 

The truth is, in Texas, you are not required to have auto insurance by the state. What you are required to do is to show that you could pay for any damage you caused in an accident. Most people choose to prove they can pay for the damage by getting auto insurance, but you don’t have to do it that way. 

If you do opt to have auto insurance, it must be 30/60/25. That is $25,000 for property damage, $30,000 for the first person who gets injured, and $60,000 for all injuries in any one accident. 

If you are leasing a vehicle or have an auto loan, you are going to need more than just liability insurance. You are going to have to protect the vehicle as well. This means having collision and comprehensive coverage.   

Collision

Collision insurance pays to have your vehicle repaired or for the payout amount if it is a total loss. It covers accidents where you are at fault, where you are the only driver, or where you are a victim of a hit and run. 

Comprehensive

Comprehensive coverage is a little more complicated. It covers you for theft and vandalism of your vehicle. It also covers a variety of things that you can’t control. It protects you from weather events like hail or strong winds, large animals in the road, and things like potholes. 

Contact AAIGOT Insurance Agency Inc in Houston, TX for quality products and great service. 

Commercial Insurance Add-ons to Consider

If you have a business in Houston, TX, you need commercial insurance that gives you well-rounded protection. And because commercial insurance is broad, you should buy business insurance coverages that make sense for your business.

While most business owners consider the state-required commercial insurance coverages, wise entrepreneurs invest in other coverages to protect their business. Are you wondering what commercial insurance add-ons to consider for your business insurance? AAIGOT Insurance Agency Inc. shares “riders” that are worth every penny for your business.

General liability insurance

While liability coverage isn’t mandatory, you must purchase this coverage for your business because of the ubiquitous nature of liability claims. Your business is at risk of numerous liability claims, ranging from property damage, advertising injury to bodily injury.

Cyber liability insurance

With the rising reliance on technology, hackers aren’t resting on their laurels, too. You must have heard about high-profile cyberattacks. And if you think your business is safe, it isn’t because hackers target small and big businesses. While installing internet security features is superb, invest in cyber liability coverage to help you recover when your IT infrastructure is compromised.

Umbrella insurance

Although your business insurance may have liability coverage, this may not be adequate when faced with significant liability claims. Thankfully, when third-party claims exceed your typical commercial insurance, umbrella insurance becomes the go-to coverage to pick up from where your commercial insurance leaves off.

Flood insurance

Do you know that your typical commercial insurance coverage doesn’t protect you from flood damage? That said, you need flood insurance to protect your business from flood damage. And since floods can strike anywhere and anytime, you must buy flood insurance whether living in a high-risk or low-risk flood area.

Protect your business with commercial insurance today!

Would you like to protect your Houston, TX business with commercial insurance? Please get in touch with AAIGOT Insurance Agency Inc. for a competitive quote.

Stay Protected With Home Insurance

Having a home insurance policy is a must if you own your own home. Every house needs to be covered by this insurance to protect the financial future of the homeowner. If you need this insurance coverage, give us a call now at AAIGOT Insurance Agency Inc in Houston, TX.

Protect Your House

When you buy your house, it is a serious investment that is often the largest purchase that people ever make. When you have an investment of this size, you need to protect it against harm. With a home insurance policy, your house will have protection against a number of calamities and disasters that can cause damage. When this does happen, the home policy will pay for the repairs it needs, up to and including rebuilding the entire house when necessary. 

Protect Your Belongings

Just like the house itself, your belongings can be damaged and need to be repaired or replaced. When this happens, your home policy can pay toward getting repairs and/or getting items replaced. This is an important protection that can come in handy after a wide range of incidents. When you look around, you may not think that your belongings are worth much, but when added together, they most certainly are. All of the items in the house can rival the value of the house itself. 

Protect Your Space

If your house is damaged and is in need of certain repairs, it may be declared uninhabitable the way it is. No one wants to live in an uninhabitable space, and with your home insurance policy, you won’t have to. You can be moved into another space that is in better condition until the repairs to the house are completed. 

Your Home Insurance

If you don’t yet have home insurance, contact us now at AAIGOT Insurance Agency Inc in Houston, TX.

Required Auto Insurance in Texas

Every driver in Texas needs to have a car insurance policy. They are also required to always have proof of their coverage when they are driving a vehicle. If you need auto insurance in Texas, give us a call at AAIGOT Insurance Agency Inc in Houston, TX to find out more. 

Bodily Injury Liability

In this state, you must have coverage that allows for two different amounts of bodily injury liability. This includes one amount that is for one person injured in an accident that you are at fault for. The second number is the amount that covers everyone who became injured. These two amounts are average amounts nationally. They may cover smaller medical bills, but in the event of a serious accident with a lot of injuries, chances are that this coverage would not be enough. It’s recommended to raise this amount so that you are covered even if there are many injuries. 

Property Damage Liability

The other required type of coverage is for the property damage that you cause to another vehicle. There is a property damage liability amount that is required for auto coverage in the state. This amount is about average for state liability coverage laws. Many people do raise this amount, however, to make sure that they have enough coverage.

Other Coverage 

With the liability-only requirements of the state, you would have no coverage for your own property damage or your own injuries. Many people add extra coverage to their policy such as collision coverage and comprehensive coverage. These can help you in cases where you are at fault and have your own property damage that needs to be paid for. 

Get Your Auto Coverage

To find out more about auto policies and what they cover, call us today at AAIGOT Insurance Agency Inc in Houston, TX.

Commercial Insurance Protects Startups From Financial Loss

Startups in Houston, TX need to find high-quality commercial insurance policies to minimize their risk of severe financial loss. Unfortunately, at AAIGOT Insurance Agency Inc, we’ve seen far too many promising companies fail to get a policy that met their needs and end up closing down as a result. That’s why we strive to create the kind of policies that work for your needs as a business operation.

How Commercial Insurance Protects Startups 

Commercial insurance is designed to meet the needs of businesses by providing many unique coverage options. Startups can even find new business insurance designed to meet companies’ individual needs like theirs. Find an excellent policy that:

  • Protects you from potential asset loss if your business is affected by a disaster 
  • Provides cash if you temporarily close down due to unforeseen circumstances 
  • Creates liability protection to keep you safe from lawsuit problems 
  • Minimizes the dangers of running low on cash early in your operation 
  • Helps cover employee injuries and much more 

The exact coverage option for Texas businesses varies based on what kind of company you operate. For example, a delivery business may need vehicle policies to cover their rides. However, these vehicle-based insurance options may not be necessary for companies without business cars or trucks.

Find a Policy That Makes Sense for You 

If you’re a startup and you want commercial insurance that will keep you safe from serious problems, please don’t hesitate to contact us at AAIGOT Insurance Agency Inc right away to learn more. We serve the Houston, TX, area and many other cities throughout the state. And we provide high-quality insurance that is competitive with other companies to ensure that you are satisfied with your coverage.

Texas Home Insurance: Different Kinds of Storm Insurance You’ll Need

Hurricanes and storms cost Texans and Americans across the nation billions every single year. When you live in Texas, you will need storm insurance that is in addition to your existing home insurance. Although not every kind of storm insurance is required by the state, you will find that home insurance even with flood insurance could create gaps in your protection if your home is damaged by a storm. 

At AAIGOT Insurance Agency Inc. we want Houston, TX residents to feel protected financially with their home insurance and storm insurance coverage.

Hurricane Insurance

Hurricane insurance is a kind of insurance that is in addition to your existing home insurance. In Texas, you will be required to pay a hurricane deductible in the event of a storm.

You can add hurricane insurance to your existing home insurance, or you may add named storm insurance to your home insurance.

Named Storm Insurance

Named storm insurance in Texas applies to any storm with a name. This could be a hurricane, a tropical storm, or any storm that is designated with a name or number by a federal agency.

Your standard home insurance and even hurricane insurance isn’t going to cover damage caused by a flood or a storm surge. A named insurance policy or rider could help.

Windstorm Insurance

Wind insurance is for damage caused by a storm that involves gusty wind events. This could mean a hurricane, but could also include any storm event where wind damage is caused. A high wind is enough, but you may also see damage from cyclones or tornado level winds. This covers property damage and contents of the home in many cases.

Flood Insurance

Flood insurance is not mandatory in Texas, but it’s a good idea. This insurance is purchased in addition to your home insurance. This will cover any flooding that is caused by storm, or by flood.

Get a Quote

At AAIGOT Insurance Agency Inc., we want Houston, TX residents to feel secure financially in the event of any storm. Call us today for a quote or to update your existing home insurance.

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.

 

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