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6633 Hillcroft Ave,
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Houston, TX 77081

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Featured Insurance Blog

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.

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 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 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.

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