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Houston, TX 77079

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Frequently asked questions about condo insurance

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Living in a condo has its good points and its bad points. One of those good things is you don’t have to worry about maintaining the lawn. The bad point is that you share some of your walls with your neighbors. One thing that doesn’t have to be a bad thing is condo insurance. Below are answers to some of the most frequently asked questions about condo insurance.

What is condo insurance?

Condo insurance protects you from paying out-of-pocket costs if something happens with your condo. Different types of condo insurance cover different things, such as the inner structure, personal effects, and liability.

Why is condo insurance important?

Condo insurance is important because it protects you from losing thousands of dollars if something goes wrong, like a fire, natural disaster, or someone gets hurt on your property.

What does condo insurance cover?

Some coverage types available for condo insurance are dwelling coverage, loss of use coverage, personal effects coverage, and liability coverage.

How much condo insurance do I need?

It depends on a few different factors. The HOA has its own coverage, but it depends on what they cover as to what you will need coverage for. Some communities require you to have insurance coverage for the shared areas and dwelling coverage.

Does condo insurance cover personal injury?

If you are referring to the injury done to yourself or your family members, then no condo insurance does not cover personal injury. Condo insurance only covers injury to another person outside your household caused by you or another family member.

Contact Insurance Over Texas

If you have more questions, we would be happy to chat. Please stop in or contact us at Insurance Over Texas in Houston, TX.

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Are You Penalized for Not Having Health Insurance?

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Having health insurance is essential to ensure people have access to health care and can address essential services and ongoing care. However, many people are penalized for not selecting health insurance coverage from their employer, private provider, or through the insurance marketplace. Anyone interested in securing health insurance can contact Insurance Over Texas, serving the residents in and around the Houston, TX, area.

Health Insurance Protection 

Anyone needing top-quality health insurance coverage can find a reliable policy through our agency. Our licensed and highly trained health insurance professionals can carefully assess each individual situation and match them with policies that meet those needs.

The right health insurance coverage allows individuals to access basic medical care, preventative care, and emergency services. Everyone should have health insurance coverage throughout the year.

It’s important to note that each person filing a federal tax return must state whether or not they carried insurance coverage for the year. In some situations, individuals may be penalized for not having health insurance coverage. To learn more about health insurance penalties and filing taxes, you can consult our insurance agents, who can provide clarification and information.

Reach Out Today 

If you’re interested in health insurance coverage, our agents are here to help each individual get the insurance they need. Call or stop by Insurance Over Texas, serving Houston, TX. One of our helpful agents will be happy to set up a consultation. Our goal is to offer residents insurance options that help them stay healthy and meet medical care needs. Don’t wait to get health care coverage. Start today and have peace of mind knowing you’re protected.

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Types of Automobile Insurance

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Several insurance products exist for motorists, though some will be mandatory. Drivers are required by law in Houston, TX to obtain liability coverage in the amount of $30,000 for injuries or death per person, $60,000 per wreck, and $25,000 in property damage. 

A basic liability policy will not protect your interests or those of your lender, and you will generally be required to purchase further indemnification when you carry a balance. Your Insurance Over Texas representative can help you select the appropriate insurance. 

Collision coverage extends to situations where your vehicle has suffered impact with another object. This can be a stationary item like a signpost, light pole, or mailbox. When you hit another car, this protection helps pay for repairs to your vehicle.

If your automobile is totaled, you may be entitled to the actual cash value, or ACA, before the wreck. You will be responsible for meeting your deductible before any payments are made. 

Comprehensive indemnification will cover costs associated with natural occurrences, termed acts of God, such as fallen tree branches. Wind storms, ice, or hail can also wreak havoc. 

Other drivers may sometimes not have insurance at all, and uninsured coverage is meant to protect your investment in these scenarios. A completely optional indemnification is similar to underinsured protection, which helps cover costs if another party has insurance but lacks adequate limits. 

Insurance Over Texas Can Help you with Auto Insurance.

We individualize your insurance package and listen to your needs when discussing your situation. We invite you to contact us today for more information about insurance around Houston, TX. 

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Does Flood Insurance Cover Outdoor Property?

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If you have ever experienced flooding, you know how devastating it can be, especially if you live in Houston, TX. Over the years, Houston has seen a steep increase in flooding, making the city the unofficial Rainfall Flooding Capital of the United States. Relentless torrential rain can make its way into the forecast anytime, particularly during hurricane season. In a matter of minutes, your property can end up completely underwater. This can cause significant damage to everything on your property, destroying everything in its path. But before this happens, you need to make sure that you know what items could be covered and replaced by insurance in this scenario.

Did you know that your flood insurance may not cover your outdoor possessions? Many policies do not protect outdoor items such as patio furniture and any destruction to swimming pools. Trees, bushes, plants, and other foliage are also not covered. Walkways, fences, and patios are also typically not included in the policy. That means you have no choice but to pay out-of-pocket for any damages. This does not mean that flood insurance is not imperative, however. You will need to reach out to a professional for more information.

If you are currently living in or near the unofficial Rainfall Capital of the US, you need to insure your property and protect it as much as possible. Insurance Over Texas in Houston, TX will help you purchase your new flood insurance policy without confusion or inadequate coverage. Call Insurance Over Texas today or stop by the office if you are nearby. Obtaining flood insurance is not something that should be delayed. Make sure you are prepared before the storm begins.

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Is condo insurance required in Texas?

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If you own a condo in Houston, TX, you are required to have condo insurance if you have a mortgage. Condo insurance is not only required in Texas but also a wise idea, even if your condo association has insurance. Insurance Over Texas explains why.

What Does Condo Insurance Cover?

First, it’s important to understand what condo insurance does and does not cover. Your condo association’s policy will usually cover the outside of the building and any common areas, such as the swimming pool or fitness center. However, it will not cover the contents of your individual unit. That’s where your condo insurance comes in.

Condo insurance covers the things in your unit that are important to you, such as your furniture, clothing, electronics, and other personal belongings. It also provides liability coverage if someone is injured in your unit and decides to sue you. In short, condo insurance gives you peace of mind knowing that you and your belongings are protected in the event of an accident or disaster.

As anyone who lives here knows, we are no strangers to severe weather. Houston, TX has seen everything from tropical storms and hurricanes to flooding and severe thunderstorms. And while your condominium association’s policy may cover damage to the building itself, it likely won’t cover damage to your personal belongings—that’s where your condo insurance comes in.

Condo insurance protects your belongings and provides liability coverage in case someone is injured while in your unit. It can also help with temporary housing costs if your unit is uninhabitable due to weather damage. So don’t wait until it’s too late—talk to Insurance Over Texas today about getting the coverage you need to protect yourself from financial losses due to accidents or disasters.

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Health insurance FAQs

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Picking your health insurance every year is one of the most important decisions you make. It affects the type of health care you will get for the following year. It can be a very long year if you make a terrible choice. You have to choose something you can afford to provide the coverage you need. At Insurance Over Texas in Houston, TX, we have been providing quality service for more than 30 years. We work for our customers and are not beholding to any one insurance carrier. 

What is managed care? 

Managed care is the most common type of health insurance currently offered. There are three major types; HMO, PPO, and POS. When making your health insurance choice, it is essential to understand the difference between them. Some are more restrictive than others, and the costs are also different. You may need a primary care physician to manage your care. 

What is a network?

The network is the medical provider your insurance carrier has contracted to provide services. The prices are agreed upon in the contract. This includes doctors, hospitals, pharmacies, and other medical professionals who may provide you with services. With some managed care organizations, you must receive your service within the network, or services are not covered. 

Should I opt for a high-deductible policy?

With a high-deductible health insurance policy, you will need to pay the deductible before medical services are paid for. This means many out-of-pocket expenses, but the monthly premium will be lower. You can start an HSA (health savings account) to save money before taxes to help pay for the services that your insurance doesn’t pay for. 

Contact Insurance Over Texas in Houston, TX when you are ready to discuss your health insurance.

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Four Consequences of Driving Without Auto Insurance

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Driving is a privilege, not a right. To operate a vehicle on public roads, drivers must purchase auto insurance. While the cost of insurance may seem unnecessary, it’s a vital investment.

Without insurance, drivers face several severe consequences if they are involved in an accident. From financial burdens to legal penalties, the risks of driving without insurance far outweigh the cost of a policy. For anyone still on the fence about whether or not to purchase coverage, consider the following four consequences:

1. License Suspension

A license suspension is one of the most common consequences of driving without insurance. In most states, motorists must provide proof of insurance when registering their vehicle. If caught driving without insurance, your license will be suspended until you provide proof of financial responsibility. Sometimes, you may also be required to attend a driver improvement course, pay a reinstatement fee, or file an SR-22 form with your state’s DMV.

Losing your license can have a significant impact on your life. You may struggle to make ends meet if you rely on your vehicle to get to work or school. A suspended license can also lead to higher insurance rates, making getting back on the road even more challenging. 

2. Fines and Penalties

If caught driving without auto insurance, you will be subject to fines and penalties. The fine amount will vary from one state to another, but it is typically a few hundred dollars. The fine is often much higher than the cost of purchasing a policy, so there is no reason to take the risk. In addition to the fine, you may also be required to attend traffic school or have your license suspended.

3. Your Vehicle May be Impounded

If caught driving without auto insurance, your vehicle may be impounded. This means the police will take your car and you will have to pay to get it back. In some cases, you may also have to pay a fine.

Having your vehicle impounded can be a significant inconvenience, and it can also be costly. If you can’t afford to pay the impound fee, you may have to sell your car or borrow money from friends or family. Either way, it’s crucial to ensure that you are always adequately insured. Otherwise, you could end up paying a lot of money in fees and fines.

4. Jail Time

Driving without auto insurance is a huge gamble. If caught, you could be looking at serious penalties, including jail time. That’s right—if you can’t show proof of insurance and you’re involved in an accident, you could end up behind bars. Not only that but you could also be hit with some hefty fines. So, if you don’t have auto insurance, think twice before getting behind the wheel. It’s just not worth the risk.

Ensure You Get Auto Insurance Now!

Auto insurance is a vital form of financial responsibility for all drivers. If caught driving without it, you could face several severe consequences. From license suspension to jail time, the risks far outweigh the cost of a policy.

If you need help finding affordable auto insurance in Houston, TX, contact Insurance Over Texas today. We can help you find the coverage you need. Give us a call today at 281-752-6704 to get started.

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Protect Your Texas Business With the Right Commercial Insurance Policies

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Being a business owner comes with risk. But you can prepare for some risks with commercial insurance. Here in Houston, TX, there are a few critical commercial insurance policies every business should have.

Commercial Property Insurance

Property insurance is a must. This policy protects your business’s physical property from damage or destruction. It can cover your business’s building and any equipment or inventory inside.

If your business is in an area prone to hurricanes or flooding, ensure your property insurance policy includes coverage for those types of disasters.

Commercial Auto Coverage

Similar to insurance for a personal vehicle, commercial auto insurance covers vehicles used for business purposes. This includes company cars, trucks, vans, and other vehicles.

You need commercial auto insurance if your business uses vehicles to transport goods or customers. This policy can cover repairs or replacement if your car is damaged in an accident. It can also provide liability coverage if your business is sued over an accident.

Liability Insurance

Liability insurance protects your business from claims of bodily injury or property damage caused by your business operations. If a customer slips and falls in your store, or if one of your products damages someone’s property, liability insurance can help cover the costs of any legal claims.

Product liability insurance is a type of liability insurance that explicitly covers claims arising from defective products. If you manufacture or sell products, this is essential coverage to have. Speak with an Insurance Over Texas representative to see how much coverage you need.

Workers’ Compensation Insurance

If you have employees, you are required by law to carry workers’ compensation insurance. This policy covers medical expenses and lost wages for injured employees who become ill because of their job.

Not all commercial insurance policies are required by law. But they can still be important for protecting your business. Talk to your insurance agent at Insurance Over Texas about the right coverage for your Houston, TX business.

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5 Questions to Ask Your Home Insurance Agent Before Buying a Policy

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Home insurance is one of those things that you hope you never have to use, but it’s essential to have in case the worst does happen. When selecting a home insurance policy, it’s essential to work with an experienced agent who can help you navigate the various options and find the coverage that best fits your needs. Here are five questions to ask your home insurance agent before buying a policy.

1. What Type of Coverage Do I Need?

There are various home insurance policy types available, and the kind of coverage you need will depend on factors such as the value of your home, the likelihood of certain risks occurring, and your budget. Your home insurance agent can help you assess your needs and choose the right policy type for your situation.

2. What Perils Are Covered?

Most home insurance policies cover common risks such as fire, wind damage, and theft. However, coverage for other risks, such as floods or earthquakes, may need to be purchased separately. Be sure to ask your agent which perils are covered by your policy.

3. How Much Coverage Do I Need?

The coverage you need will depend on the value of your home and personal belongings. Your agent can help you determine an appropriate amount of coverage for your situation.

4. What Exclusions Are There?

Every home insurance policy has exclusions, which are risks not covered by the policy. Be sure to ask your agent about any exclusions that apply to your policy, so you know what risks you’ll need to protect yourself.

5. How Much Does the Policy Cost?

The cost of a home insurance policy will vary depending on the coverage you need and the type of policy you choose. Be sure to ask your agent for a quote so you can compare rates and find the most affordable policy for your needs.

Get Home Insurance in Houston, TX

Asking these five questions will help you select the right home insurance policy for your needs. Insurance Over Texas offers a variety of home insurance policies to fit any budget. Contact us today for a free quote.

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Can you add Medicare supplemental plans after signup?

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You may or may not have known about the recent massive changes to Medicare supplemental insurance. Medicare has become a bit more complex than its traditional four parts, and Insurance Over Texas wants to help Houston, TX residents better understand the added complexities. The government still provides you with Part A for free, but you now have nine supplemental choices instead of three and a seven-month period in which to choose from them.

When is the seven-month period?

For three months before your 65th birthday, the month of your 65th birthday, and the three months after your 65th birthday, you get to peruse Medicare plans. You automatically get Part A, hospitalization coverage, when you turn 65 as long as you register for it. Part A comes gratis from the US government.

You can easily add to Part A during the seven months surrounding your 65th birthday. You can choose from Parts B, C, D, F, G, K, L, M, and N. Ignore the missing letters. It’s a government thing.

At a minimum, most individuals choose Part B, medical insurance, to add to their free A.

Some people add Part C, which you can choose to contain prescription drug coverage or not.

You can also add Part D to A, which includes prescription drug coverage.

What about the other parts?

Choosing F, G, K, L, M, and N provides you with a Medigap plan combining various levels of Parts A, B, C, and D. Some states offer specialized Medigap plans.

If you think you want a Medigap plan, you’ll have a six-month shopping period. Unless you experience a special qualifying issue or have a guaranteed issue, you can’t change your Medigap after choosing it.

You can compare two Medigap plans side-by-side, although you will need to pay the premium for both in that comparison month.

As you near your 65th birthday, contact Insurance Over Texas serving the Houston, TX metropolitan area. We’ll help you choose and add the supplemental plans that make the most sense for you to supplement your Medicare coverage.

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