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Insurance Over Texas

430 Hwy 6 S. #102
Houston, TX 77079

About Insurance Over Texas

Questions you need to ask before choosing a health insurance policy

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Choosing a health insurance policy is one of the most important decisions you make. Your health literally depends on it. For some people the question foremost on their mind is "how much will this cost" and while the cost is important, so many other things are more important. It is not worth getting a low price policy that in the end will not offer you any coverage. Talking to a trusted independent agency like Insurance Over Texas in Houston, TX makes good sense when something so important is at stake. 

What type of plan is this

Is the plan you are considering a PPO (Prefered Provider Organization) or an HMO (Health Maintenance Organization). With a PPO you get the best deal by getting your health care through their network of caregivers. You don’t need to have a primary care doctor who coordinates your healthcare, you can visit anyone in the network. With an HMO you have a primary care doctor and you need to be referred to a specialist from your primary care physician. 

Are my doctors on the plan?

Most people have a doctor or doctors who they regularly visit and they trust them to provide medical care. You need to check the list of doctors who are in the plan to make sure you won’t lose your favorite. 

Are my prescriptions covered?

Every plan has a formulary that lists the covered drugs and places them into tiers. The tiers determine the cost. First, you need to make sure your drugs are on the list and then what tier are they in. 

At  Insurance Over Texas in Houston, TX, our customer’s insurance needs are our primary concern. We are here to answer any questions you have about your health insurance. Give us a call or stop into our office for the personal care you deserve. 

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How Much Auto Insurance Do I Really Need?

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Few of us would debate the need for auto insurance if we’re currently navigating the streets and highways in a car. It’s an absolute necessity. However, many people may wonder exactly how much insurance coverage is actually a necessity. The answer to this question will vary according to where you live. States have their own requirements when it comes to the minimum auto insurance state residents are required to carry as drivers. However, there are other variables that you’ll need to consider when it comes to accurately answer the question. 

State Minimums

As a driver, how much auto insurance you are required to cover will initially be determined by the state in which you live. Texas residents, like residents in other states, are required to carry specific minimums in auto insurance. Auto liability coverage is a requirement in the amount of $30,000 for bodily injury liability, this is per individual. Liability insurance minims also include coverage of $60,000 per accident. This insurance also includes liability coverage that includes $25,000 for property damage. All Texas drivers must carry these minimums in order to legally drive in the state of Texas.

Other Considerations

The minimum coverage may be adequate for many Texas drivers. It meets the state’s legal requirements to operate a vehicle. However, you may have other obligations that extend beyond the state’s requirements. For example, if you took out an auto loan to finance your car, more than likely the lender will require you to carry comprehensive insurance. Comprehensive or full coverage insurance coverage protects the lender by ensuring that their investment is protected and they can be compensated if something happens to the vehicle before the loan holder has paid off his or her auto loan. Insurance Over Texas of Houston TX takes pride in educating Texas residents about the state’s auto insurance requirements. We are also committed to helping Texas drivers choose coverage limits that will be most beneficial to them and understanding what’s truly necessary and what isn’t. Give us a call. We can’t wait to answer your questions. 

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Ways that commercial insurance protects my business

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Every business no matter how big or how small has vulnerabilities. All companies are in business to make money and many things can stop the flow of cash to your business. Commercial insurance is designed to help lessen the impact of anything that happens and help you to stay viable no matter what. Having a trusted insurance agent like Insurance Over Texas in Houston, TX can guarantee you have the protection you need when you need it. As independent agents, they can offer the finest carrier in the business. 

Structuring a policy that fits your business is important. Not every business needs every type of commercial insurance. Some types however can benefit most business and they are as follows. 

General liability insurance

Liability is an important coverage. No one is exempt when it comes to being sued. Legal actions are expensive and even if there isn’t a judgment against you it can be very costly for the representation you require. Without coverage, you could be forced out of business. 

Workers’ compensation

The state of Texas does not require workers’ compensation insurance. But, not having it opens a business up to legal action which can be much more damaging to your business’s bottom line than having the coverage. It also helps retain employees when they know they have this protection. 

Property Insurance

Property insurance protects the building that houses your business if you own it. Even if you rent, you need property insurance to protect your raw material, your office equipment, inventory, and machinery to operate your business. Your business can’t operate without these things. 

If you are ready to get commercial insurance or want your current policy reviewed at Insurance Over Texas in Houston, TX we are here for you. You can reach us on the phone or at our office and we are happy to give a no-obligation quote. 

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Things You Should Know Before Getting Home Insurance

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Buying a home is an exciting but overwhelming process. Your new house is your most significant investment in life. Therefore, you want to make sure that it is well protected. The best way to do it is to purchase home insurance. However, choosing an insurance plan is not easy – you want to make sure that your coverage is affordable, reliable, and addresses all your needs. Therefore, before you purchase a certain plan, Insurance Over Texas serving Houston, TX has prepared the list of things you should know: 

What policy does cover, and what does not?

Most standard policies cover damages caused by fire, vandalism, storm, or theft. They also provide liability coverage to a homeowner if he is sued. However, such things as earthquakes, floods, sinkholes, war, and other events are not included in a standard home insurance policy and require additional coverage. Make sure that you discuss all the details with an insurance agency and find out what exactly your home insurance covers. 

"Toys" on your property that may increase the cost of insurance

Certain things are considered high risk because they can cause injuries and damages to the property. The most common are swimming pools and trampolines. If you have them, then most likely, the cost of your home insurance will be higher. It is essential to know and remember this when you are shopping around. 

Valuable items are usually not included in the standard coverage.

If you have valuable items in your house, such as pieces of art, jewelry, or antique, they may not be covered under the basic terms of your content coverage. Most standard insurance plans include the belongings only up to a specified limited amount. 

Getting the right home insurance for your home is crucial because it protects your property, your belongings, and yourself. Insurance Over Texas is an experienced insurance agency with over 30 years of experience that serves clients in Houston, TX, and other surrounding areas. Our highly qualified insurance agents are ready to answer all your questions and find the perfect plan based on your needs and budget. 

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An In-Depth Look At Medicare Supplement Insurance

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Insurance Over Texas assists people in the Houston, TX area by offering them a variety of insurance policies. We help our clients find unique policies that address their individual needs. We are committed to building meaningful relationships with all of our clients.

Medicare Supplement Insurance

Insurance Over Texas is aware that many people visit the doctor’s office every couple of weeks. If you make frequent doctor visits, you are likely aware that your regular Medicare insurance will not cover everything. That’s why you should consider Medicare supplement insurance. Medicare supplement insurance will fill in those uncovered areas that your regular Medicare policy doesn’t provide. In the event of an emergency, Medicare supplemental insurance will ensure that you are covered.

In order to qualify for Medicare supplemental insurance, you must have Medicare Part A and Part B. Also, be aware that Medicare supplemental insurance differs from Medicare advantage policies. If you are seeking treatment outside of the United States, your Medicare supplement insurance will cover your travel and hospital stay. If you are a senior, you can also use Medicare supplement insurance to cover your stay in a skilled nursing care facility. You can also visit any doctor who accepts Medicare patients without having to get a referral.

There are several different types of Medicare supplemental insurance policies that you can choose from. The plans are labeled A-N. Each of the letters contains a unique coverage set. Also, be aware that your policy is renewable. Insurance Over Texas will help you analyze each plan to find the one that suits your needs.

Insurance Over Texas Will Work With You

We will discuss the differences in each Medicare supplement insurance policy so that you can directly find out which type of coverage you need. Stop by our office in Houston, TX  today!

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Investing in Renters Insurance

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Renters insurance is a valuable tool. Not only does it have a low-cost premium, but it also provides a significant amount of coverage for you. It’s common for renters to assume that the apartment owner’s insurance coverage will protect their possessions. This isn’t true, though. Some landlords require renters insurance. Even if it isn’t mandatory, it’s a good idea to have coverage. Our agents at Insurance Over Texas work with apartment dwellers throughout the Houston, TX area. They can explain the coverage options that are available and answer any questions. We want you to have the coverage that best fits your life. 

The primary function of renters insurance is to protect everything in your apartment. This includes furniture, electronics, jewelry, and clothing. The apartment owner has insurance to cover the building. That policy does not protect anything inside a renter’s apartment. Coverage from renter’s insurance goes beyond that, though. If a disaster damages the building, it can provide funds for your hotel and meal expenses until you can return to your apartment. It will also cover your items if they are stolen or damaged when you are away from home. If your laptop is stolen while you are at a local café, it will still be insured by your policy. Some renter’s insurance policies also offer personal liability insurance. This financially protects you if someone is injured in your apartment due to your negligence. 

At Insurance Over Texas, our agents understand the needs of renters in the Houston, TX area. We will take the time to get to know you and your situation so that we can recommend the best policy options for you. Renters insurance is a smart investment in protecting the things that make your apartment your home. Contact us today to explore how renters insurance can work for you!

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How much flood insurance do you need in Texas?

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Your home in Houston, TX is subject to natural disasters. The state of Texas holds six out of twelve world records when it comes to rainfall rates. It is only a matter of time until your home experiences flooding that leads to damage. The agents at Insurance Over Texas can thoroughly explain how flood insurance works in the Lone Star State. Use this guide to determine how much insurance you may need.

Is flood insurance required?

The city of Houston participates in the National Flood Insurance Program (NFIP), which provides an affordable option for homeowners in need of coverage. Those living in high-risk flood zones are required to purchase flood insurance under the NFIP if they have mortgages owned by the federal government. Those living outside of high-risk zones should also consider buying a plan.

How much flood insurance can you get? 

The NFIP offers a maximum of $250,000 worth of home insurance coverage to buyers. There are other ways to insure your home if its value exceeds such a limit. The amount of flood insurance you may need, though, depends on several factors.

How much flood insurance do you need in Houston, TX?

The value of your home is the first factor that you should consider when determining how much flood insurance to buy. You should also consider your personal possessions. Those with valuable items should consider more insurance coverage as it may be difficult to replace items lost in the flood with $250,000.

The average homeowner pays about $700 annually for anywhere from $100,000 to $250,000 worth of flood insurance. Your rates will depend on many factors, which are not limited to the location of your home as well as the probability of flooding. Call an agent at Insurance Over Texas today to get started with your customized flood insurance plan.

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What Homeowners Association Usually Cover

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When it comes to living in shared spaces, such as a condominium or even a community, there are usually homeowners association’s rules, fees, and so on. It is different from owning the standard single-family home, and the homeowners’ insurance is different from the homeowners’ insurance for the standard home. So, it is imperative to know what the homeowners’ association (HOA) usually covers.

HOA Insurance Coverage

Part of your HOA dues cover insurance for shared spaces, and thus, it is referred to as liability home insurance for those areas. The following includes what it usually covers:

  • Yard Space
  • Swimming Pools
  • Tennis Courts
  • Playgrounds
  • The Shared Wall of Tenants
  • The Lobby
  • Any Part of the Property Shared by the Tenants (the business center, laundromat, etc.)

The bottom line is that practically any shared Tenants’ areas are usually covered by the homeowners’ HOA insurance. So, while the wall that divides your condo and your next-door neighbor’s condo, for instance, may be covered through the HOA, your personal belongings in your home are not covered by this home insurance. 

Ensuring Accurate Coverage for Your Home

Now that you know what your HOA will typically cover, it’s time to do two things: One is to ensure you find out for sure the details in what your HOA covers in your vicinity. Secondly, it is imperative you work with a top-notch, reliable, professional, and experienced insurance company to ensure your home is adequately covered.

All homeowners’ insurance policies don’t fit the one-size-fits-all rule even if you stay in the same building as another tenant. One reason is due to the differences in each other’s personal belongings. For instance, one of you may have more luxury items than the other, so the one with more luxury items might’ve added more coverage to ensure these items are covered. 

To ensure your home is properly covered, contact Insurance Over Texas in Houston, TX today. Insurance Over Texas has been serving the Houston, TX and surrounding areas for more than 30 years now. We are a family-owned and operated agency that specializes in home and auto insurance. Furthermore, we have a full array of home insurance coverage options to meet every homeowner’s needs. So, go ahead and contact us now!  

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What Events Allow for Changing Your Health Insurance Coverage?

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If you don’t have health insurance through your place of employment, you will have to purchase it on your own. This isn’t as difficult as it sounds, especially with every state offering its own health insurance options. If you prefer, you can also talk to the agents at Insurance Over Texas. Insurance Over Texas serves residents who live in or near the Houston, TX area. While open enrollment only remains in effect from November 1st to December 15 each year, there are specific events that will allow you to alter your policy.

Open Enrollment Deadlines for Health Insurance

No matter where you get your health insurance, it must be purchased during the Open Enrollment period for your state. For the 2019-2020 year, Open Enrollment started on November 1, 2019, and ended on December 15, 2020. Insurance that has been purchased during that time went into effect on January 1, 2020. While the deadline for Open Enrollment has already passed, you can still purchase health insurance if you have a "special circumstance".

What Type of Event Will Allow You to Change Your Coverage?

Life-changing events that allow you to sign up or change your insurance coverage include divorce, marriage, the birth of a child, or the death of a spouse. Another possible circumstance would be the termination of your employment. If any of these events occur, you can apply to have your policy adjusted to account for your new situation.

In Houston, TX, the agents at Insurance Over Texas can help you find the right health insurance policy for you. They can also assist you if you need to alter or change your policy after a life-changing event. Call and speak to an agent as soon as you can!

 

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Does your car insurance increase after an at-fault accident?

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An at-fault car accident in Houston, TX does more than devastate you and the other party involved. The financial effect of the incident can last for more than five years, given the fact that your insurance premium increases after the crash. The agents at Insurance Over Texas can help you understand how your indemnity policy works so that you can better understand the effects of an at-fault incident. 

What happens after an accident?

The first thing you should do after an accident is to assess personal injuries. You should contact emergency services if individuals are hurt.

Another step to take at the scene of an accident is to assess the damages. It may seem cold-hearted to capture video footage and pictures of the wreckage. Such a step, however, can save a lot of time when you file a claim. It is not necessary to film the victims at the incident. You should, however, capture footage of the damaged vehicles and property while also exchanging information with the other party, if at all possible. 

Filing a claim

Your Insurance Over Texas agent can walk you through the process of filing a claim after an accident in Houston, TX. You generally need the information of other parties involved along with any police reports written in reference to the incident. It may also be a good idea to submit your video clips and pictures from the scene so that the agent gets a better idea of what happened and how much is needed to resolve the matter. 

Does the insurance premium increase after an accident?

Your car insurance premium will increase if damages exceed $2,000. It is not uncommon for an insurance company to charge more in monthly premiums for up to five years after an at-fault accident. 

An agent at Insurance Over Texas can help you find the right insurance policy that fully covers you in the instance of an accident. Call today to get started with a quote!

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