Auto Insurance
Did you know that auto insurers evaluate you as a potential customer by using your driving record and other factors, including the type of vehicle you drive, the area where you live, your claims history, your age, your credit and how you use your car (business, pleasure, or to drive to work). The insurer then places you into the company within its company group that writes policies for the appropriate rate category that matches your risk. The important thing to remember is not to give up if a company turns you down. All companies have a different set of standards for accepting new customers.
Did you know that Texas law requires proof of financial responsibility for anyone who drives an automobile within the state of Texas - whether they own a car or not! If the individual does not own a car then the state offers a Non-Owners policy for these drivers.
Home Insurance
Did you know that insurance companies rate your home based on factors such as the replacement cost of the home, the area where you live, your claims history, construction materials, and local fire protection capabilities.
Did you know that there are different types of homeowners policies and coverages. These policies are called HO
and ISO form types and companies may "custom" their polices to cover or exclude
specific perils so not all polices are the same and will vary from company to
company.
Please remember, that while it's very important to have a knowledgeable agent that's willing to answer your questions and provide you with coverage, the ultimate responsibility of understanding your policy lies with you, the insured.
