Texas Insurance Tips
The best tip we can give is to encourage you to compare multiple insurance quotes from top carriers to find the best rates and coverages. Click here to get a quote now and start saving money.
Houston Texas Auto Insurance Overview and Requirements
Since Houston is a densely populated city, every person owns a car, be it for luxury, work or domestic purposes. With the number of vehicles on the road soaring, the accident rate is also high. There are many types of coverages available to protect you financially and legally if any incident occurs. If you have caused a fatal accident or injure someone, the other party may be able to sue you and, if successful, claim a large amount of financial compensation. An instance where you break any traffic rule and are stopped by a cop, you are required to show your proof of insurance. You also have to provide proof of insurance each year when your state inspection is due. Failure to do so will result in a citation and fines of several hundred dollars. However, if you get insurance quickly, you may be able to have the judge dismiss the charge if you can show proof that you have purchased an auto insurance policy.
It is impossible to predict when and where accidents will occur. The only protection you have from the unforeseen dangers on the road is an auto insurance policy that provides you the full coverages you need. Taking a defensive driving course, and installing safety devices in your car will not only reduce your car insurance premium rates but will also protect you and your family when disaster strikes. With auto insurance comes a number of benefits, such as providing you with a rental car when your car breaks down, paying your tow charges, covering the costs of repairs after an accident if the other party fails to have sufficient insurance coverage, and many more.
Texas law states that a person may not operate a motor vehicle in this state unless financial responsibility is established for that vehicle. Most people do this by buying automobile liability insurance. The law currently requires minimum liability coverage of $30,000 per injured person, $60,000 for everyone injured in an accident, and $25,000 for property damage (30/60/25).
Texas Home Insurance Overview and Requirements
A home is usually the biggest asset you will own. With home insurance, you protect your possessions from destruction or damage due to natural disasters such as fires, storms, theft, and heavy snowfall. It is possible to shield your dwelling with a comprehensive home insurance policy. It helps in repairs for your house and also provides you with a temporary shelter when your house is being rebuilt or renovated.
Home insurance has many coverages, not only to protect the structure of your house but also to safeguard your valuables such as jewelry, fur, gold coins, computers, and electronics. No matter if you own a home, live in a condo, or rent, you need to purchase homeowners insurance to protect your belongings. However there are certain factors not covered under most policies. These include earthquakes, floods, and hurricanes. Make sure you obtain additional coverages if your house is prone to such incidents. There are many factors which affect the rates and premiums such as age of your house, location, materials used for construction, distance from a fire station, water resources, and many more. With Osullivan you can obtain an insurance quote and see rates from top carriers to secure your dwelling.